InvestAcc Group

What InvestAcc Group does

InvestAcc Group is a London-headquartered specialist pension administration business listed on the London Stock Exchange under the ticker INAC. The group operates SIPP (Self-Invested Personal Pension) and SSAS (Small Self-Administered Scheme) products, serving individual savers and small-business scheme sponsors through a UK-wide network of 340+ Independent Financial Advisers. Its core customer base comprised 18,329 active schemes holding £9.8bn in assets under administration at year-end 2025, with a 96% retention rate reflecting the long-tail, sticky nature of pension wrapper relationships.

The business was assembled through a buy-and-build strategy initiated in 2024. The company acquired InvestAcc Holdings in October 2024 for £41.5m, founding the operating platform, and added AJ Bell Platinum in November 2025 for up to £25m to extend into the high-net-worth segment. Acquired books are being consolidated onto the Delta Platinum Pro platform, which serves as the unifying technology stack for administration, custody coordination, and adviser reporting. Revenue is generated through administration fees, platform charges, and transaction-related fees on assets under administration, with pricing structured across tiered product lines including the core SIPP/SSAS range and the Platinum offering.

For FY25, the group reported revenue of £15.0m (up 43% from a £10.5m FY24 pro forma), trading EBITDA of £6.9m (up 62.2%), and Group EBITDA of £4.3m, equating to a 28.7% margin. Funding for the strategy has come from a £30m equity raise (July 2024) and a £25m debt facility from Kartesia (April 2025), explicitly earmarked for further acquisitions in the fragmented UK specialist pension market.

Name

InvestAcc Group

Legal name

InvestAcc Group Limited

Website

https://investaccgroup.com

Company type

Public

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

InvestAcc Group is a UK specialist pension administrator operating SIPP and SSAS products for individual savers and small-business schemes, distributing through 340+ IFAs and administering £9.8bn across 18,329 active schemes.

Ownership category

akta.pro rank

Product category

Pension Administration

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Pension Planning (401(k)/IRA) (FSAEAAAD)

akta.pro secondary industry

Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ)

Keywords

• Pension administration
• SIPP administration
• SSAS administration
• Self-invested pensions
• Pension scheme management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Pension Administration Fees: Annual charges are fixed annual charges for managing SIPPs and SSASs, subject to inflation increases. Annual charges are higher for complex SIPPs reflecting additional servicing costs. SIPP products are billed annually in advance; SSAS products are billed annually in arrears.
2. Transaction Fees: Transaction fees include establishment charges, fees for commercial property transactions, and drawdown related services. Revenue is recognised at a point in time when services are delivered.
3. Treasury Interest Income: Interest income from banks holding client monies on interest sharing arrangements. The Group receives a share of interest on monies deposited with banks relating to client pension arrangements, recognised on a monthly basis as it accrues.
4. Financial Advice Revenue: Revenue from provision of financial advice to clients through Vesta Wealth, a chartered financial planner offering holistic advice. Income earned from advisor charges when clients pass cooling off period.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

InvestAcc Group provides specialist pension administration services, primarily Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSASs), through its subsidiaries InvestAcc Pension Administration, InvestAcc Platinum, and Vesta Wealth. The Group administers over 18,000 pension schemes with £9.8 billion of assets under administration, offering flexible investment options including commercial property, land purchases, and drawdown facilities. Revenue is generated through annual administration fees, transaction fees, treasury interest income, and financial advice commissions.

Product overview

InvestAcc Group operates as a specialist pension administration holding company with three core operating subsidiaries offering complementary pension and wealth management services. The primary business is InvestAcc Pension Administration, which provides SIPP and SSAS administration through the Minerva SIPP flagship product and the simpler SIPP Lite option. The Group's product portfolio was significantly expanded through acquisitions, adding InvestAcc Platinum (formerly AJ Bell Platinum) with its high-net-worth client base and enhanced commercial property capabilities, and Vesta Wealth for financial planning and discretionary portfolio management services. All SIPP customers are now consolidated onto the Delta Platinum Pro technology platform, while the Treasury Function provides cash management across the Group.

Differentiator

Problem solved

Functional benefit

Products and services

• InvestAcc Pension Administration Multi-award-winning provider of Self-Invested Personal Pension (SIPP) and Small Self-Administered Scheme (SSAS) administration services supporting over 18,000 customers with £9 billion of assets under administration.
• Minerva SIPP Flagship full SIPP scheme allowing investment in any permitted standard asset, providing comprehensive pension administration with access to commercial property, land purchases, and diverse investment options.
• SIPP Lite Lower-cost, simpler SIPP product allowing investment in a single investment such as a discretionary fund manager portfolio plus a bank account.
• SSAS (Small Self-Administered Schemes) Pension schemes allowing employers and trustees greater control over investments, typically used by business owners to consolidate pension funds and invest in company assets.
• InvestAcc Platinum High-net-worth focused SIPP and SSAS administration brand acquired from AJ Bell in November 2025, serving clients with average SIPP account sizes of approximately £670,000. Offers access to commercial property services, borrowing from connected parties under commercial terms, and cash management platforms.
• Vesta Wealth Chartered financial planners and investment managers offering whole-of-market independent financial advice and tailored investment solutions, including a range of risk-targeted discretionary managed model portfolios on both passive and active basis.

Quantifiable outcome

• 96% customer retention rate demonstrating long-term customer relationships
• +5 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• AJ BellcoreStrategic or Co-development Partner · 3 November 2025Acquisition of AJ Bell's Platinum SIPP and SSAS business, adding 3,412 schemes, £3.3bn AuA, and 46 employees. Transaction completed on 3 November 2025 for maximum consideration of £25m. Platinum clients and advisers continue working with existing administration teams under new InvestAcc Platinum brand.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• James Hay Partnership: Specialist SIPP, SSAS and platform provider for UK advisers and individual investors, now part of Nucleus Financial Group. Overlaps directly with InvestAcc on SSAS administration, modular SIPP products and IFA-led distribution.
• AJ Bell: UK investment platform with a sizeable SIPP offering and the seller of the Platinum business InvestAcc acquired. Overlaps with InvestAcc on SIPP administration and IFA distribution, making it a direct competitor for new scheme flow and a counterparty in the consolidator landscape.
• Curtis Banks Group: UK SIPP and SSAS specialist administrator serving individuals, business owners and trustees, with comparable administration-led model and IFA distribution. Acquired by Arthur J. Gallagher in 2021, it is the closest pure-play comparable for InvestAcc's core SIPP/SSAS franchise.
• Barnett Waddingham: UK actuarial, investment and pensions administration consultancy with substantial SSAS and corporate scheme administration capability. Comparable to InvestAcc on the SSAS administration side and on serving IFA-introduced corporate schemes.
• XPS Pensions Group: UK pensions consulting and administration provider offering actuarial, advisory and pension administration services to trustees and sponsors. Comparable as a specialist pensions administration business scaling through a mix of organic and acquired books.

Broad incumbents

• Hargreaves Lansdown: Largest UK retail investment platform with a flagship SIPP and broad fund/shares dealing proposition. Competes with InvestAcc at the higher end of the retail SIPP market and serves a much larger but less specialist customer base.
• Legal & General: Major UK life insurer and asset manager with retail and workplace pension offerings. Represents the scale incumbent against which InvestAcc positions itself as a specialist alternative for advisers seeking flexibility and commercial property access.
• Aviva: UK life and pensions incumbent offering workplace pensions, individual pensions and platform services. A broader-scale competitor across the same UK retirement value chain that InvestAcc targets through IFA distribution.
• Standard Life (Phoenix Group): Phoenix-owned UK life and pensions provider offering workplace pensions, SIPP-like wrappers and platform services. A broad incumbent competing for the same pool of UK pension savers and adviser relationships.

Emerging players

• PensionBee: Direct-to-consumer UK pension consolidation and management provider with a tech-led, single-product proposition. Compares to InvestAcc as a UK pensions challenger, although it operates in a different distribution lane (D2C vs IFA) and at much larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/investacc-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about InvestAcc Group