Pensions By Penfold 4+

Feel empowered by your pension with Penfold’s intuitive interface, powerful tools and friendly customer service. We make pensions easy so you can have confidence about life after work.

Get started in under 5 minutes
• Create an account with an email and password
• Enter some details like your name and address
• Transfer an old pension or pay in some cash
• All done! Complete access to a modern pension

Transfer your pensions for free
• Combine old workplace and private pensions
• Enter a few details about your old pension in-app
• Our transfer specialists do the paperwork for you
• Get transfer progress updates on your dashboard

Track down lost pensions
• Use our in-app Find My Pension tool
• Simply enter your previous employer’s name
• We’ll tell you the provider and contact details

Completely flexible pension contributions
• No minimum monthly contribution amount
• Set up recurring or make one-off payments
• Easily top-up, adjust and stop your contributions
• Receive a 25% tax relief top-up automatically

Switch pension investment fund any time
• Lifetime: Automatically adjusts risk level over time
• Standard: Choose your preferred risk level
• Sustainable: Invest in high ESG rated companies
• Sharia: Investments approved by a Sharia board

Low pension fees and no hidden charges
• An annual fee of 0.4% to 0.88% depending on your investment fund and account balance
• No charges for anything else including exits, transfers and drawdown

Friendly, expert pension service
• Our UK-based team are on hand to support you
• Ask questions via in-app chat, email, or phone
• No waiting lines, call centres or jargon!

Securing your pension savings
• Investments are managed by the largest money managers in the world - BlackRock and HSBC
• We’re part of the Financial Services Compensation Scheme (FSCS)
• We’re authorised and regulated by the Financial Conduct Authority (FCA)
• We safeguard your data with the most up-to-date security technology and strictly comply with GDPR
• As with all investments, your capital is at risk