PensionBee: Combine Pensions

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 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/Limited company pension” on the "Setting up your pension" screen when signing up. You’ll then be able to open and add some money to your PensionBee account

Choose from six purpose-built pension plans, including our Climate Plan for those interested in sustainable investing. All are managed by some of the world’s largest and most experienced money managers. Switch plans at any time.

Top-up your pension in just a few taps

We’ll automatically claim your 25% tax top-up from HMRC on eligible personal contributions

Skip the tedious paperwork. Make one-off or schedule automatic monthly withdrawals to your bank account digitally with no minimum contributions from the age of 55 (57 from 2028).

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.

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.

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

If your pension pot has been with PensionBee for less than a year and you wish to withdraw it in full, then a full withdrawal fee of £150 applies, including if the value of your account is 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 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.

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.