PensionBee: Combine Pensions 4+

Combine Your Old Pensions


    • #102 in Finance
    • 4.8 • 3.9K Ratings
    • Free



Combine all your old workplace pensions and SIPPs into one new online plan. Capital at risk.

PensionBee puts your pension in the palm of your hand and makes you feel pension confident. You get one simple pension and one clear balance that you can check any time, all for one simple annual fee of between 0.50% and 0.95%. There are no drawdown costs unless you transfer to us and take your whole pot within 12 months.

Our pension calculator helps you check what your retirement income will be and tells you how much you might need to invest and save to reach your retirement goals. Everything is designed to give you peace of mind, it’s a savings app and pension calculator designed for the 21st century.

If you're already a PensionBee customer, just download the app and enter your login details.

If you're not a customer yet, signing up to save and invest with us is easy - just follow the instructions in the app! We just need some basic details, like your national insurance number and your old provider information.

By signing up this way your money will be invested in our most popular plan - Tailored - which automatically moves your investments into safer assets as you grow older. There are seven PensionBee plans to suit different savings needs and they’re managed by four of the world’s largest money managers - BlackRock, State Street Global Advisors, Legal & General and HSBC. You can change your pension plan at any time. For those interested in ESG investing and socially responsible, sustainable investments, we offer a Fossil Fuel Free Pension.

As a PensionBee customer, you’ll be able to:
- View the value of your new pension or self-employed pension
- See how your plan’s investments and funds have performed
- Track outstanding pension transfers from old providers
- Make contributions to your pension pot
- Plan for your retirement, using our retirement calculator


*Why should I consolidate my pensions with PensionBee?*

With PensionBee, you can easily manage your pension online. You can see your current pot size, your projected retirement income, and set up regular or one-off contributions in just a few taps. As soon as you reach the age of 55 (57 from 2028), you can also start making pension withdrawals or purchase a pension annuity. Your personal BeeKeeper can help you with anything you need and our pension calculator can tell you whether you’re on track to meet your retirement goal.

*How much does investing with PensionBee cost and how does this compare to other providers?*

We don’t charge you any fees to transfer your pensions. There is just an annual management fee, which is automatically deducted from your pension on a daily basis. For pensions under £100,000 you’ll pay one annual fee of 0.5 - 0.95%, depending on your chosen plan. If your pot size is larger than £100,000 we’ll halve the fee on the portion of your savings over this amount.

*Can PensionBee trace my pension for me?*

While we’ll do everything we can to help you transfer your pensions, we can’t trace an old pension without any details. If you don’t have the policy number to hand, we’ll need you to tell us who your pension provider is. It can take up to 12 weeks to transfer your old pensions depending on the provider.

*Is there an exit fee to leave?*

There’s no exit fee if you leave at any point. 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.

We're always keen to hear your feedback on ways to improve things. If there’s anything you’d like to see in the app that isn’t already there, or any bugs you come across, please send your feedback to

PensionBee is authorised and regulated by the Financial Conduct Authority. 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 1.19.21

Some improvements to our contribution journeys are on the way!

Ratings and Reviews

4.8 out of 5
3.9K Ratings

3.9K Ratings

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

Pauliepudding123 ,

Great app. Pension Bee are streets ahead of the pension competition

I was a relatively early adopter of Pension Bee before they floated on the stock market. They actually used my pension as a case study to help secure faster e-transfers from Aegon by asking me to comment for The Telegraph in which an article ousted Aegon in properly recognising Pension Bee.

Fast forward 3 years and I think they are still disrupting the industry with their superb app; Simple to use and intuitive.

In an industry shrouded in mystery, Pension Bee are a beacon for transparency, good ethics, environmental ethos, giving me the confidence in saving for my future.

Developer Response ,

Hi Pauliepudding123, thanks for leaving a review! It's great to hear that you've enjoyed your experience so far and many thanks again for your amazing feedback. Feel free to share your experience with us in the future too. Thanks again, Demetri - 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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