PensionBee: Combine Pensions

4.56K reviews
Content rating
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About this app

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 in socially responsible investments. 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 the 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
• Our BeeKeepers 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 also 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 you’d like to transfer
• Leave the rest to us! We’ll reach out to your provider to transfer your pension and keep you updated every step of the way.

PensionBee’s 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.
Updated on
13 May 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 7 others
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.41K reviews
Jim Henderson
18 May 2024
PensionBee is fine as a pension provider but their app is next to useless. Slow, unstable and not at all intuitive. Can't even logon sometimes waiting for the little circle to stop going round and round. It is easier to log on to your account from Chrome (or similar) rather than trying to use this app.
1 person found this review helpful
Did you find this helpful?
PensionBee Ltd
22 May 2024
Hi Jim, Many thanks for taking time to leave the review and we're sorry for the trouble you are experiencing with our app. Could you please uninstall the app and try again. Please reach out to us if the issue persists. Kind regards Team PensionBee
Alan Harding
12 May 2024
Firstly PensionBee is awesome. Combined my pensions all really simply couldn't have wished for a better outcome The app however, not as impressive. It used to work but now instead of a login button I get a forever spinning icon. I have tried uninstalling, clearing the data and reinstalling with no luck. Don't take this as a criticism of PensionBee, just the app doesn't work well. Hence the 3 stars.
Did you find this helpful?
PensionBee Ltd
16 May 2024
Hey Alan, thank you for your kind words regarding our service. We sincerely apologize for the troubles you've had with the app. We'd be happy to take a look into this for you, please contact us at Many thanks, Team PensionBee
David Graham
6 June 2024
This app is pretty ropey, but not as ropey as the fact that no one contacts you when you ask for help with an issue and it just keeps on hanging while verifying my identity.. pretty bloody poor and anyone thinking of using pensionbee... think again and use a proper pension company with advisors who actually get back to you when you need help. Rubbish.
Did you find this helpful?
PensionBee Ltd
7 June 2024
Hi David, Thanks for getting in touch. We’re sorry to hear about your experience and are eager to make it right. Could you please drop us a quick email at and confirm your full name, date of birth and details of your review, so that we can verify your account details and look into your concerns? Many thanks, Team PensionBee

What's new

Squashing two bugs that will no longer bug you.

Any feedback please contact