A modern platform for
pensions and investments.
Built around your clients.
Invinitive is a fully digital, execution-only investment platform regulated by the FCA. We provide advisers with the tools, products and support to manage their clients' UK and international investment portfolios clearly, efficiently and at genuinely competitive cost.
FCA Regulated
Authorised and regulated
Execution-Only
No advice, full transparency
Live Trading
Real-time market access
Multi-Currency
Payments in 7 currencies
Introduction
A platform built on a clear premise
Invinitive was founded with a straightforward objective: to build a modern, transparent investment platform for the expat and international pension market — a space that had seen almost no meaningful innovation for more than two decades.
We are authorised and regulated by the Financial Conduct Authority. We operate on a strictly execution-only basis. We do not provide financial advice, and we do not assess suitability. Our role is to provide the infrastructure, products and service that allow you — the adviser — to manage your clients' investments effectively.
Since our public launch in April 2024, we have been growing steadily. Our focus remains on getting the fundamentals right: clear pricing, fast administration, reliable technology and responsive support.
FCA Authorised
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority.
International Focus
Built primarily to serve UK and non-resident clients and the advisers who look after them.
Execution-Only
We provide the platform and the products. We do not advise, and we do not assess suitability.
Digital-First
Every process is designed to be handled digitally — without paper, delay or unnecessary friction.
Market Context
The legacy market has not kept up
The international pension and investment market has operated largely unchanged for a long time. That is what Invinitive was built to address.
A small and static provider market
Fewer than ten major UK pension providers have operated in the international space for nearly 25 years. Very few new products have come to market in that time, and competition has been limited.
Costs that have not kept pace
With limited competition, providers have had little commercial pressure to remain cost-competitive. Charges on international pension and investment products have remained high relative to the UK domestic market.
Processes built for a different era
From initial onboarding through to transferring out, paper-based processes remain standard across most legacy providers. It can take weeks for clients to access their own money.
Service standards that fall short
Advisers and clients frequently report slow email response times, difficult-to-reach support teams, and time-consuming back-and-forth for straightforward requests.
Our Journey
How we got here
From conception to a live, regulated platform — a straightforward timeline of how Invinitive came to be.
2020
Conception
Research, development and early conceptualisation of the Invinitive proposition.
2021
FCA Application
Full application compiled and submitted to the FCA with support from our compliance team.
2022
FCA Approval
FCA authorisation granted in May 2022 following a thorough review process.
2022–23
Platform Build
Client money accounts secured and the Invinitive platform built and tested.
2023
Soft Launch
Soft launch to a small group to test platform functionality and service processes.
2024
Public Launch
Official launch to the public in April 2024 — direct clients and their advisers.
The Adviser Proposition
Why advisers work with us
A summary of what sets Invinitive apart from the legacy providers that have dominated this market for too long.
Designed around speed
Same-day email responses where possible, same-day benefit payments where cleared cash is available, and live trade execution. Administration at Invinitive is built to be fast.
Genuinely digital
Clients trigger requests and processes entirely online. No paper forms, no wet signatures, no postal delays. The platform is designed to handle the full client lifecycle digitally.
Transparent costs
Our fees are fixed, published and straightforward. There are no hidden charges, no commissions and no ambiguity. You can model costs for your clients with confidence.
Built for international clients
Accounts, payments and trading are available across multiple currencies. Our products are accessible to both UK-resident and non-resident clients, reflecting the reality of the adviser market we serve.
A working partnership
We treat our adviser relationships as an important part of how we operate. Clear communication, consistent service and honest feedback are part of how we work day to day.
Execution-only, clearly
We do not advise. We do not assess suitability. Our platform provides the infrastructure for advisers and self-directed clients to manage their own investment decisions.
Product Range
Our products
Regulated investment products designed for UK-resident and internationally-based clients managed by professional financial advisers.
SIPP
Invinitive SIPP
A UK-regulated Self-Invested Personal Pension available to both UK-resident and non-resident clients. Our core product, designed to offer straightforward access to a wide range of investments within a pension wrapper.
- Available to UK and non-resident clients
- Live trading within the pension wrapper
- Benefit payments in multiple currencies
- Pension consolidation and transfer service
- Fully digital onboarding and administration
GIA
General Investment Account
A straightforward, fully digital general investment account for UK-based and internationally-based clients. Competitively priced with access to a broad investment universe and the same live trading capability as the SIPP.
- No annual wrapper fee
- Access to equities, ETFs and funds
- Multi-currency capability
- Live trading as standard
- Simple, digital-first account management
ISA
Stocks & Shares ISA and Junior ISA
Available to eligible UK-resident and international clients. A tax-efficient wrapper to manage and grow ISA and Junior ISA holdings, with the same platform experience and service standards applied across all account types.
- Stocks & Shares ISA
- Junior ISA available
- Consolidated view across all account types
- Same platform, same service standard
- Competitive annual platform fee
Pricing
Straightforward fees
All charges are published, fixed and straightforward. We do not introduce new fees without advance notice. What you see is what your clients pay.
Annual SIPP fee
Applicable on accounts above £50,000. No fee on smaller accounts.
Annual platform fee
Capped at £400 per annum regardless of portfolio size.
Dealing fee
Flat fee per trade on all UK and US stocks and ETFs, Funds and FX. EU markets and other international markets add 5bps.
Everything else
No set-up fees, no crystallisation charges, no spreads, no custody fees, no commissions.
Annual platform fee
Capped at £400 per annum regardless of portfolio size.
Dealing fee
Flat fee per trade on all UK and US stocks and ETFs, Funds and FX. EU markets and other international markets add 5bps.
Everything else
No set-up fees, no spreads, no custody charges, no commissions.
No surprises
All fees are fixed and published. We do not add ad hoc charges, and we do not earn commissions. Charges are reviewed periodically and any changes will be communicated in advance.
Cost Comparison
How our fees compare
An illustration of total platform cost as a percentage of assets under management at different portfolio levels.
| Provider | £25k | £50k | £100k | £200k | £300k | £500k | £1m | £3m |
|---|---|---|---|---|---|---|---|---|
| ★ Invinitive | 0.25% | 0.55% | 0.40% | 0.28% | 0.18% | 0.11% | 0.06% | 0.02% |
| Novia | 1.20% | 0.77% | 0.56% | 0.45% | 0.41% | 0.38% | 0.34% | 0.22% |
| IFGL / Novia | 2.74% | 1.54% | 0.94% | 0.64% | 0.54% | 0.46% | 0.40% | 0.36% |
| IFGL / RL360 | 4.77% | 2.39% | 1.19% | 0.60% | 0.40% | 0.24% | 0.12% | 0.04% |
| iPensions SIPP | 1.15% | 0.75% | 0.55% | 0.45% | 0.42% | 0.39% | 0.37% | 0.36% |
| My Expat SIPP | 1.70% | 1.20% | 0.78% | 0.56% | 0.49% | 0.44% | 0.39% | 0.26% |
| Morningstar | 1.13% | 0.74% | 0.55% | 0.45% | 0.40% | 0.35% | 0.28% | 0.13% |
| AJ Bell Investcentre | 1.00% | 0.60% | 0.44% | 0.32% | 0.29% | 0.26% | 0.23% | 0.21% |
Pricing as of January 2026. Comparison is based on published platform fees at the time of research. Platform costs only — dealing fees and any ad hoc charges are excluded. Figures are for illustration purposes and may have changed. Always confirm current charges directly with each provider.
Investment Universe
What your clients can invest in
A broad, straightforward investment universe — with genuinely competitive multi-currency capability built in.
Equities
Direct market access to the LSE, NYSE and other major exchanges — live trading with real-time pricing on UK, US and European listed shares.
ETFs
Direct market access to exchange-traded funds across the LSE, NYSE and major European venues — across regions, sectors and strategies.
Funds & investment trusts
Mutual funds and investment trusts from major managers, available across all wrappers.
Cash funds
Money market and cash funds for holding shorter-term value within a portfolio.
Multi-Currency
Institutional FX.
Competitive with Wise.
We provide foreign exchange at institutional spreads from 0.0025 — genuinely competitive with specialist providers like Wise. Your clients are not paying retail FX mark-ups inside their pension or investment account.
Institutional FX spreads from 0.0025
Hold physical currency in up to 7 currencies
Pay benefits and withdrawals abroad in the client's chosen currency
No retail FX mark-ups on conversions
Hold & pay in
Clients can hold balances, trade and receive benefit payments or platform withdrawals in their chosen currency — paid directly to bank accounts abroad in their name.
Service Standards
How we aim to operate
Every part of how Invinitive runs — from platform design to internal processes — is set up to reduce waiting time and unnecessary administration for advisers and their clients.
The standards below reflect how we aim to handle day-to-day requests. They are service targets, not guarantees, but they reflect the level of responsiveness we are committed to maintaining.
Five-star rated on Google
Verified reviews from Invinitive clients.
Email response
We aim to acknowledge and respond to all adviser and client emails on the same business day where possible, and in any event within 24 hours.
Live chat and messaging
Advisers and clients can reach us directly through live chat. It is there for straightforward queries and day-to-day communication.
Benefit payments
Where cleared cash is available on account, we process benefit payments on the same business day. Payments can be made in seven currencies to bank accounts globally.
Live trading
Trades are placed in real time across supported markets. There is no delayed execution, no manual dealing process and no batch-trade model.
Pension transfers
We handle the administrative process for pension transfers and chase the ceding provider on your behalf. A full Letter of Authority service is available.
Multi-currency
Client accounts, investment holdings and payments can be managed across multiple currencies. FX processing is handled at competitive rates.
Coming Soon
Live trading.
In your pocket.
The Invinitive app will bring the full capability of the platform to mobile. Advisers and clients will be able to view portfolios, monitor positions and place live trades from their phone — with the same real-time market access available on the desktop platform.
The app will be available on iOS and Android. It is being built to the same standards as the core platform — clean, fast and straightforward to use.
Live trading across supported markets
Full portfolio and account view
Benefit payment requests on the go
Secure login with multi-factor authentication
Available on iOS and Android
Available soon
App Store
Available soon
Google Play
Live Trading
See the trading interface
A quick look at the Invinitive trading screen — real-time prices, live order execution and a clean, straightforward interface.
DFM & MPS
Discretionary and model portfolio support
For discretionary fund managers and advisers operating model portfolio services, the Invinitive platform provides the infrastructure to manage multiple clients' investments within a single view.
We work alongside you and the advisers who use your proposition. The goal is straightforward: to help your clients reach their investment objectives without unnecessary administration getting in the way.
Portfolios can be built from thousands of assets across equities, ETFs and funds. Rebalancing is handled line by line, giving you precise control over which positions are adjusted and avoiding unnecessary micro-trading.
Consolidated view
An aggregated view across all portfolios and adviser firms, with credits, withdrawals and MI data available by source. No client data is shared between firms.
Line-by-line rebalancing
Rebalance portfolios with full granular control, selecting specific assets and avoiding automatic micro-trading across the full portfolio.
Full control over onboarding
Invite and onboard advisory firms directly from your account. Once onboarded, client cash is directed into designated model portfolios. You retain control from that point.
Platform Technology
Built on solid foundations
The Invinitive platform is built on a modern, robust technology stack designed to deliver reliable performance, strong security and a straightforward user experience.
Cloud infrastructure
Built on Amazon AWS, providing reliability, scalability and the capacity to handle high transaction volumes.
API-driven architecture
Microservices and REST-based architecture enabling straightforward integrations and rapid deployment of new functionality.
Security standards
Encryption at rest and in transit, multi-factor authentication and industry-standard access controls to protect client data.
Responsive across devices
The platform works across desktop, tablet and mobile, providing a consistent experience for advisers and clients.
Live market data
Real-time pricing and execution across supported markets, with no batch processing or end-of-day dealing.
Full audit trail
All activity on the platform is logged and auditable, supporting your compliance and record-keeping requirements.
Leadership
Our board
Experienced people who have built Invinitive from scratch, with a shared focus on doing things properly and running a well-governed business.
Alan Macdonald
Chief Executive Officer
30 years of financial services experience across pensions, private banking and international investment management.
Altin Meleqi
Chairman
Previously ran a successful US-regulated investment firm with a substantial client base. Brings deep commercial and governance experience.
Alma Topollaj
Chief Financial Officer
An accomplished career in personal banking and treasury across international markets, responsible for financial oversight and reporting.
Caroline Ironmonger
Chief Compliance Officer
Over 29 years of compliance and operations experience across investment banking and financial services, including senior roles at Credit Suisse and UBS.
Client Feedback
What clients say
Verified on Google Reviews
"
The Invinitive SIPP has provided me with faster administration, a more cost-effective solution than my previous provider and access to a wider range of investment assets. From the moment I set up my account, the improvement in efficiency was noticeable. I am happy to recommend Invinitive Financial UK Ltd.
Verified review
"
Professional, responsive and genuinely helpful. Navigating UK pensions as someone living abroad is complicated, and Invinitive handled it well. The fees are clear, the service is reliable and I have already referred them to a number of people in similar situations.
Verified review
"
Alan and the team provided my wife and I with an excellent service from start to finish. The attention to detail was impressive, and I would not hesitate to recommend Invinitive to anyone looking for a well-run investment platform.
Verified review
Get in touch
Speak to the team
If you would like to understand more about the Invinitive proposition, discuss how it might work for your clients, or arrange a demonstration of the platform, we are straightforward to reach.
Head Office
128 City Road, London, EC1V 2NX
Phone
+44 800 048 8485 | +1 239 580 7717
info@invinitive.co.uk
Website
www.invinitive.co.uk
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority. Execution-only. We do not provide financial advice or assess suitability. This page is for financial advisers only and does not constitute a personal recommendation. Investments can fall as well as rise in value.
Arrange a call or demonstration
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