What is a Personal Pension?

A Personal Pension is a flexible, tax-efficient way of saving for your long-term future. You can pay money into the pension from 18 until you're 75 and start enjoying your savings from as early as 55 (57 from 2028). 

Whether you're self-employed and looking to save for retirement, or just looking for a place to bring your pensions together, our Personal Pension could be right for you.

Man with coins

Open with £100 or transfer one or more of your pension pots

  • Choose from five diversified funds based on your risk appetite or a default investment option.
  • A team of experts actively managing award winning funds.
  • Receive up to 25% tax relief on contributions you make from the Government which we will claim on your behalf and add to your pension.



Sounds good. What is the risk?

Our Personal Pension invests in stocks and shares, which means the value of your investment will go down as well as up. It isn't guaranteed, so you may get less than what you put in.

Tax rules may change in the future and their tax advantages depend on your individual circumstances. If you're not sure our Personal Pension is right for you, we recommend seeking professional financial advice.

Please read our Key Features and Terms and Conditions before applying for our Personal Pension.

Are you looking to consolidate your pensions?

Looking for a low-cost way to bring all your pensions together into one pot?

Why choose us?

Your trusted investment partner

Your trusted pension partner

We've helped millions of customers with their savings, retirement and life insurance

Actively managed funds

Actively managed funds

Five diverse fund solutions to choose from based on your risk appetite or a default investment option.

How much does it cost?

How much does it cost?

Low service charge of 0.25% and a Fund Management Charge of just 0.31%

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Ready to open your Personal Pension?

Select between Simple Fund Choice or Default Investment Option. Opening an account takes just minutes. 



Common questions about personal pensions

Find out more about private pension savings and our Personal Pension with our frequently asked questions.