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Our pension

Penfold's powerful, digital pension is designed to help you take control of your savings and grow your wealth.

Penfold apps showing pension account setup and welcome screens.

Set up in 5 minutes

Say goodbye to endless paperwork and complex jargon. Our pension has been built for the here and now.

You can get set up with Penfold in just 5 minutes online or with our app. Just enter your details, make a payment or transfer a pension and you're good to go.

Simple to use and easy to understand, we take the stress out of saving for later.

How to get started
Penfold apps showing pension transfer and find lost pension screens

Transfer existing pensions

If you have other pension pots, we can bring them together in one place for you.

Transferring and consolidating your old pension pots with Penfold is easy, free of charge, and our friendly customer service will manage it on your behalf.

If you're not sure about the details of any of you old pensions our Find My Pension tool can help by hunting down your old provider and their contact details.

Pension transfer service
Penfold app pension contributions recurring and one-off payment screens with tax relief

Save your way

Life is full of twists and turns. Penfold's pension is right there with you.

Adjust, top-up, or pause your pension contributions any time, instantly online or with our app. If you're unsure about how much to save, our pension calculator can crunch the numbers, helping you decide how much to contribute.

Plus, enjoy an automatic 25% tax relief top-up every time you contribute to your Penfold pension. Subject to annual allowance. Tax treatment depends on individual circumstances and may change in the future.

Pension contributions

Choose from our fully diversified funds


Our most popular plan. Automatically adjusts investments to maximise early growth before protecting your pot as you approach retirement.

Lifetime plan details


Complete control of your pension. Choose between four different risk levels - tailoring investments to fit your preferences and outlook.

Standard plan details


Make a positive impact on the world without sacrificing growth. Invests your money into companies with a high ESG rating.

Sustainable plan details


Invest your money only into Sharia-compliant companies. All investments are approved by an independent Sharia committee.

Sharia plan details
Penfold pension plan performance track record and fund detail app screens

Grow your wealth

Our plans aim to balance risk control with good returns, at a cost-effective price. We also give full visibility into your pension.

Penfold's online dashboard and app allow you to effortlessly:

  • Get a live view of how your pension is performing
  • See details of your current, and our other, pension plans
  • Switch between pension plans in a couple of taps

Our Pension Power feature lets you see more detail about the exact industries and companies you’re invested in. Then, hold them to account by voting on policies at board meetings - all from your phone.

Pension plans
Penfold apps showing customer service chat and pension FAQs screens

Friendly and expert support

Pensions can be confusing. Our friendly team of experts will answer any question you have, and we promise no jargon.

No waiting lines, no call centres. Just drop us a message on chat, email us or give us a call any time.

We can even help you make pension withdrawals. Choose drawdown, an annuity or even take a lump sum in one go and enjoy a happy retirement.

Looking to find out more about pensions? Our Pension Guides section has information about every aspect of saving for your retirement.

Our awards

Penfold is an award-winning pension, here are our accolades.

Good Money Guide logo

Best Private Pension 2022. Good Money Guide Awards.

Trustpilot logo

Excellent Rating 2020-2022. Trustpilot Pension Category.

YourMoney.com logo

Best Pension Platform 2022. YourMoney.com Awards.

Join thousands of happy pension savers


It was so simple to set up and the team were able to transfer in my existing pension pots for me without hassle. Everything is clear and easy to understand, which is a relief when traditional pensions can be confusing.


Outstanding support, quick simple and the app is great. I've moved 7 pensions into one, and it took me 10 minutes - Penfold did the rest.


Quick and easy to set up, I am loving the ‘Sustainable’ growth profile and the app is easy to use. And the customer service for Penfold is amazing! Really enjoying using their service so far.

It's important to compare providers’ fees & any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If you decide to cancel your transfer to Penfold after it's completed and the value of your pot has gone down, the amount returned to the provider may be less than what you originally transferred. For more information on the risks see here.

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