IUI vs IVF vs donor eggs: which is right for you?

The three main treatment routes (IUI, IVF and donor egg IVF) differ in success rates, cost and physical demands. The right starting point depends on the age and ovarian reserve of whoever provides the eggs, on whether the sperm is a partner's or a donor's, and, for two women, on whether one of you will carry an embryo made from the other's eggs (reciprocal IVF). This guide sets out the options in plain terms.

Guide · 6 min read · Reviewed 13 September 2026

In this guide
  1. IUI (intrauterine insemination)
  2. IVF
  3. Donor egg IVF
  4. Making the decision
  5. Sources

IUI (intrauterine insemination)

IUI places prepared sperm, from a partner or a donor, directly into the uterus at the point of ovulation, in a natural cycle or after mild hormonal stimulation. It is the least invasive and least expensive option.

Success rates are lower than IVF: the HFEA says IUI success rates are around a third of IVF's. For people using donor insemination who have not conceived after six cycles, NICE says clinics should offer six cycles of unstimulated donor IUI before considering IVF, where there is no known cause of infertility (NG257, recommendation 1.37.2). NICE also prefers donor IUI to intracervical insemination because it improves pregnancy rates. Your clinic may advise differently based on your tests.

IUI is a common starting point for people using donor sperm who have no known tube or egg-quality issues and want to begin with a lower financial and physical commitment.

Cost: the HFEA puts one cycle of IUI at around a quarter of the price of an IVF cycle. As an example, London Women's Clinic lists natural-cycle IUI at £1,050 (September 2026), excluding medication, monitoring bloods and the HFEA fee. Donor sperm is charged on top. Several cycles may be needed, so compare the cumulative cost with one IVF cycle.

IVF

IVF is the most common route whether you use a partner's sperm or donor sperm. Ovaries are stimulated with hormonal injections to produce several eggs; the eggs are fertilised in the laboratory; embryos are assessed and one is transferred to the uterus, with any remaining good-quality embryos frozen. In reciprocal IVF, one partner goes through stimulation and egg collection and the other has the embryo transfer.

Success is measured per embryo transferred, not per cycle started, and falls with the age of whoever provides the eggs. The national figures by age are in our HFEA success rates explainer.

IVF is usually suggested first for people over 35, anyone with a diagnosis that reduces the chance of conception, or those who want the higher per-attempt chance from the outset.

  • Allows embryo freezing: gives you future FET attempts from a single stimulation
  • Enables genetic testing of embryos (PGT-A) if relevant to your situation; the HFEA rates it red for improving the chance of a baby for most patients
  • One stimulated cycle can yield several embryos for future siblings
  • Higher chance of pregnancy per attempt than IUI

Donor egg IVF

Donor egg IVF uses eggs from a screened, identity-release donor. It is typically suggested when egg quality or quantity is significantly reduced, usually from around 42 to 43 or after several failed IVF cycles with your own eggs.

With donor eggs, the donor's age matters more than the recipient's. UK birth rates with donor eggs are above 30% per embryo transferred at every recipient age (HFEA, 2019 data: 34% under 35, 31% at 45 to 50).

Donors registered since 1 April 2005 are identity-release. You can ask the HFEA for non-identifying information about your donor at any time; your child can from 16, and from 18 can request the donor's name, date of birth and last known address. Neither side has to make contact.

Making the decision

Your consultant will make a recommendation based on your test results, particularly AMH (a blood test that estimates egg reserve), antral follicle count, age and any relevant medical history. Use this as the primary clinical guidance.

Beyond the clinical picture, consider the financial and emotional implications of each route. IUI is lower commitment but may be a less efficient use of money and time over 35. IVF with your own eggs is the most common choice. Donor eggs give much better odds from the early 40s. Deciding to use them often takes time; implications counselling is offered by every clinic.

Ask your consultant: 'Based on my AMH and AFC, what is the realistic chance of a birth per cycle with IUI, with my own eggs, and with donor eggs?' Numbers for your own situation are more useful than any general guide.

Sources

Last reviewed 13 September 2026. General information, not medical or financial advice. Your clinic and a regulated adviser can advise on your situation.

Find the clinics that fit your route.

Compare UK clinics on cost, HFEA success rates and who they treat, with the source and date beside every figure.