Pensions can be overwhelming, with complex jargon and difficult decisions. We’re on a mission to simplify pensions and make them accessible to everyone.

But why choose Penfold over other digital finance providers? Here's why…

Penfold is inclusive, designed initially for the self-employed but open to everyone—employees, freelancers, business owners, and more. We offer a completely online, jargon-free experience, making pensions easy to understand and set up.

Our service is 100% flexible. You can pause contributions anytime, adjust payment amounts, change dates, or make one-off top-ups without extra costs.

We charge one simple fee. There are no hidden fees—just an all-in annual fee of 0.75% (or 0.88% for the Sharia plan) of your total savings. If your pension pot exceeds £100,000, the fee drops to 0.4% (or 0.53% for the Sharia plan) on the excess.

Transferring old pension pots to Penfold is easy and free, with no paperwork required on our side.

We build partnerships with brands you love to make saving and managing returns easier. For example, Starling customers can manage their pensions directly from their Starling dashboard.

Our 5-star customer service listens to every word from our customers. We resolve issues quickly, value feedback, and take requests for new features seriously. Our reviews speak for themselves!

We simplify investing by offering carefully chosen, low-cost, diversified portfolios without overwhelming you with options or jargon. We've also launched the Penfold Plan, which is exclusive to Penfold. More on that here!