PensionBee: Combine Pensions 4+

Combine Your Old Pensions


    • Free



Combine your old workplace pensions and SIPPs into a new online plan so you can save for a happy retirement. Capital at risk.

Why choose PensionBee for your pensions?

1. A pension app built for the 21st century
2. Combine old pensions or start a self-employed one
3. Make contributions and withdrawals in our app or online - withdrawals from the age of 55 (57 from 2028)
4. Keep track of your pension balance 24/7
5. Award-winning customer service
6. Transparent - one simple annual fee
7. It’s easy to get started - sign up in the app.

A pension app built for the 21st century
• Avoid the paperwork - manage your pension through our app or website
• We aim to make pensions easy to understand by avoiding jargon
• Whether you have a workplace pension, own a limited company or are self-employed we can help you stay on top of your retirement savings
• Transfer old workplace, personal pensions and SIPPs
• An easy-to-understand online annual statement.

Combine your old pensions or start a self-employed pension
• Combine your pensions into one easy-to-manage pot
• Avoid separate management fees when you combine pensions, pay just one simple annual fee
• Self-employed and need a pension? Simply tap “Self-employed and don’t have a pension to transfer?” when signing up and adding a pension. You’ll then be able to open and add some money to your PensionBee account
• Choose from seven purpose-built plans, including our Impact plan for those interested socially responsible investing. All are managed by some of the world’s largest and most experienced money managers. Switch plans at any time.

Contributions and withdrawals in the app or online
• Top-up your pension in just a few taps
• We’ll automatically claim your 25% tax top-up from HMRC on eligible personal contributions
• Make one-off or regular payments with no minimum contributions
• Skip tedious paperwork by making withdrawals straight to your bank account digitally from the age of 55 (57 from 2028).

Stay on top of your pension
• Use our retirement planner to see what your retirement income could be and how much you need to save to reach your retirement goals
• Check your pension balance and track its performance 24/7
• Keep track of any outstanding pension transfers.

Friendly, award-winning customer service
• Get human support with your very own UK-based account manager
• We are on hand to look after you and your pension, from sign up to drawdown.

Transparent - no hidden fees
• Our plans have one simple annual fee ranging from 0.50% to 0.95%. We halve that fee on the portion of your pension over £100,000
• A withdrawal fee of £150 applies in certain circumstances; when accessing your pension within the first 12 months of being with us or if the value of your account’s less than £150 at the point of withdrawal
• There’s also a 30-day cancellation policy, which means we’ll return your pensions to your old providers free of charge - assuming they’re willing to take them back.

FSCS protected - up to 100% of value
• FSCS protection for your savings in the unlikely event that we, or one of our money managers, fails. Due to the structure of our investments your pension savings are protected through a contract of long-term insurance up to 100% of their value once fully invested with us, unlike some providers where your pension’s only protected up to £85,000.

It’s quick and easy to get started - sign up in the app
• Sign up in minutes for free
• Tell us about your pensions by sharing your provider name or policy number, then confirm your transfer
• We’ll reach out to your provider to transfer your pension and keep you updated.

PensionBee’s authorised and regulated by the Financial Conduct Authority (

Address: PensionBee, 209 Blackfriars Road, London, SE1 8NL

As with any investment, the value of your PensionBee pension can go down as well as up and you may get back less than you started with.

What’s New

Version 1.30.7

Squashing two bugs that are no longer going to bug you.

Any feedback please contact

Ratings and Reviews

4.8 out of 5
6.2K Ratings

6.2K Ratings

Pagey N ,

Quick and super easy

I am self employed and had a flexible pension with another provider that I could not drawdown.
I explored using financial advisors to find an alternative product, but could not see how they justify the high commission and charges they would immediately apply to my pension pot.
I needed the transfer to be done quickly to finance a house purchase and was also told by them that it could take up to three months so decided I could not go down this route.
I loved the fact that there was no charge for the transfer of my pension to them, and their low annual charge was spread throughout the year.
I was super happy that my transfer was all completed in under 3 weeks, and is already showing a much better return than my previous provider.
I can even check on my fund anytime, anywhere unlike my previous pension provider.
If you have any doubts about switching your pension to PENSIONBEE my personal experience has been great.
I should have done this years ago!
All in all, I can only give it 5 stars
Very impressed.

Developer Response ,

Hi Pagey,

Thank you for the kind words! We are very pleased to hear that you’ve found the transfer process to be hassle free as it’s one of our core values to make pensions simple for everyone. We are very pleased to hear that you’ve found the app easy to navigate and take control of your pension.
We sincerely appreciate your feedback.

Many thanks,
Team PensionBee

Beckiebuns ,


Since making the move to self employed after 10 years of being employed with various pension pots held with different providers, I needed to get all my pensions in once place. This app has made it so much easier than I thought it would be and the personal customer contact has been excellent. They even found a pension I’d completely forgotten about and asked if I wanted to move that one over to the app too.

Couldn’t be happier with the app and the customer service and have been nagging all my friends to do the same thing since!

Developer Response ,

Hi Beckiebuns, thanks so much for the 5* review! It's great to hear that everything has been easy to use and you've enjoyed your experience! Thanks again, Demetri - Team PensionBee

groenroos ,

Good service, so-so app

I think the PensionBee service itself is quite good. However, it’s patently obvious that nobody involved in the development of this app actually genuinely uses this app for their own pensions.

The retirement planner is a joke - none of the settings you set are actually saved. So the retirement projection chart (which would be really useful) is immediately reset to just whatever you happen to have with PensionBee, and doesn’t take into account other pensions or personal contributions, giving a completely useless number that’s got nothing to do with reality.

Previously sliding the planner sliders would half the time accidentally send you to the previous screen, but they’ve fixed that, so maybe there’s hope for the retirement planner to one day be useful for... y’know, planning your retirement.

Developer Response ,

Hi Groenroos, thanks for sharing your feedback. It's great to hear that you've been impressed with our service, but I'm sorry to hear about the issues you're having with our app. I can see that a member of our team is in contact with your via email to discuss this further. I hope we can fix this improve your experience moving forward. Thanks again, Tom - Team PensionBee

App Privacy

The developer, PensionBee, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics
  • Other Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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