# Penfold FAQs

> How can we help?

## Penfold

- [How old is Penfold?](https://help.getpenfold.com/en/articles/3584083-how-old-is-penfold.md): Discover how long Penfold has been in business.
- [Is Penfold a contract or trust-based pension scheme?](https://help.getpenfold.com/en/articles/8671162-is-penfold-a-contract-or-trust-based-pension-scheme.md)
- [How does Penfold compare to other providers?](https://help.getpenfold.com/en/articles/4319434-how-does-penfold-compare-to-other-providers.md): Discover what makes us different to other pension providers
- [How is my pension kept safe?](https://help.getpenfold.com/en/articles/5079914-how-is-my-pension-kept-safe.md): Discover how your Penfold pension is kept safe, including how Penfold is regulated.
- [What fees do you charge?](https://help.getpenfold.com/en/articles/3535075-what-fees-do-you-charge.md): What fees do Penfold have?
- [What happens if you went out of business?](https://help.getpenfold.com/en/articles/3584068-what-happens-if-you-went-out-of-business.md): What would happen to my money if Penfold no longer existed?
- [Can I speak to Penfold?](https://help.getpenfold.com/en/articles/3540187-can-i-speak-to-penfold.md): Find out how to get in touch with our friendly support team.
- [Who's Penny?](https://help.getpenfold.com/en/articles/10705965-who-s-penny.md): You might've received a message from Penny—find out what it's all about
- [How to raise a complaint and what happens next](https://help.getpenfold.com/en/articles/16803302-how-to-raise-a-complaint-and-what-happens-next.md): Everything you need to know about raising a complaint with us, including how we’ll handle it and what you can expect throughout the process.

## Opening a Penfold pension

- [Who is Penfold for?](https://help.getpenfold.com/en/articles/3540180-who-is-penfold-for.md): Find out whether a Penfold pension is right for you.
- [I'm not self-employed, is Penfold for me?](https://help.getpenfold.com/en/articles/4086610-i-m-not-self-employed-is-penfold-for-me.md): Is Penfold for employed people as well as self-employed and company directors?
- [Can I have multiple pensions?](https://help.getpenfold.com/en/articles/3535084-can-i-have-multiple-pensions.md): Can I have a private pension, and workplace pensions?
- [I live outside the UK, can I have a Penfold pension?](https://help.getpenfold.com/en/articles/4063374-i-live-outside-the-uk-can-i-have-a-penfold-pension.md): Can I work and retire abroad and have a Penfold pension?
- [How can I set up a workplace pension for my team?](https://help.getpenfold.com/en/articles/8671197-how-can-i-set-up-a-workplace-pension-for-my-team.md)
- [What are the fees for employers?](https://help.getpenfold.com/en/articles/8650604-what-are-the-fees-for-employers.md)
- [Can I set up a workplace pension as a sole trader?](https://help.getpenfold.com/en/articles/8650610-can-i-set-up-a-workplace-pension-as-a-sole-trader.md)
- [I have completed my Re-Enrolment. What comes next? Learn more about Re-Declaration!](https://help.getpenfold.com/en/articles/9083105-i-have-completed-my-re-enrolment-what-comes-next-learn-more-about-re-declaration.md)

## Your Penfold account

- [How do I update my email address?](https://help.getpenfold.com/en/articles/6997176-how-do-i-update-my-email-address.md)
- [How can I change my password?](https://help.getpenfold.com/en/articles/7011747-how-can-i-change-my-password.md)
- [Where can I find all of my documents?](https://help.getpenfold.com/en/articles/4086411-where-can-i-find-all-of-my-documents.md): Where can I find my payment direct debit confirmation, key features, my policy reference number and all my pension information?
- [How do I get a statement of all my contributions?](https://help.getpenfold.com/en/articles/4063502-how-do-i-get-a-statement-of-all-my-contributions.md): For my self assessment tax return, how can I find my total contributions?
- [How can I update my personal information?](https://help.getpenfold.com/en/articles/8671166-how-can-i-update-my-personal-information.md): Find out how to change your name, date of birth or any other personal details.
- [I can't access my Penfold account](https://help.getpenfold.com/en/articles/8650507-i-can-t-access-my-penfold-account.md)
- [How can I close my Penfold account?](https://help.getpenfold.com/en/articles/8650537-how-can-i-close-my-penfold-account.md)
- [What's two-factor authentication?](https://help.getpenfold.com/en/articles/9204083-what-s-two-factor-authentication.md): Learn about the importance of 2FA and how to enable it on your account
- [Where can I find my Penfold policy number?](https://help.getpenfold.com/en/articles/11433480-where-can-i-find-my-penfold-policy-number.md)
- [I'm moving abroad, what happens to my Penfold pension?](https://help.getpenfold.com/en/articles/11433496-i-m-moving-abroad-what-happens-to-my-penfold-pension.md)
- [What happens if I pass away before 55?](https://help.getpenfold.com/en/articles/3535065-what-happens-if-i-pass-away-before-55.md): Who receives my pension if I don't access it myself?
- [Can I nominate someone to receive my pension if I die?](https://help.getpenfold.com/en/articles/4086720-can-i-nominate-someone-to-receive-my-pension-if-i-die.md): How do I nominiate the beneficiary recipient of my Penfold pension?
- [Can I nominate a beneficiary who lives outside of the UK?](https://help.getpenfold.com/en/articles/8650575-can-i-nominate-a-beneficiary-who-lives-outside-of-the-uk.md)
- [When will I receive my bonus?](https://help.getpenfold.com/en/articles/3693315-when-will-i-receive-my-bonus.md): Discover how long it takes to receive your Penfold referral bonus.

## Pension transfers

- [How to: Find my old pensions](https://help.getpenfold.com/en/articles/3535087-how-to-find-my-old-pensions.md): What are the steps to locate old pensions from previous employment?
- [How to submit a transfer request](https://help.getpenfold.com/en/articles/5609160-how-to-submit-a-transfer-request.md): What are the steps to transfer an old pension over to Penfold?
- [Are there any transfer-in fees?](https://help.getpenfold.com/en/articles/4071414-are-there-any-transfer-in-fees.md): Do you charge to transfer pensions from another provider?
- [How long does a transfer take?](https://help.getpenfold.com/en/articles/4063402-how-long-does-a-transfer-take.md): How long does it usually take for a transfer from another provider to show in my Penfold account?
- [Do I need a financial adviser to transfer my pension to Penfold?](https://help.getpenfold.com/en/articles/8650592-do-i-need-a-financial-adviser-to-transfer-my-pension-to-penfold.md)
- [Can I transfer a defined benefit pension to Penfold?](https://help.getpenfold.com/en/articles/7987912-can-i-transfer-a-defined-benefit-pension-to-penfold.md)
- [Can I transfer an uncrystallised pension to Penfold after taking my tax-free cash?](https://help.getpenfold.com/en/articles/10696214-can-i-transfer-an-uncrystallised-pension-to-penfold-after-taking-my-tax-free-cash.md)
- [Do you accept transfers from non-UK providers?](https://help.getpenfold.com/en/articles/8957384-do-you-accept-transfers-from-non-uk-providers.md)
- [I received an email that my transfer request was rejected. What should I do?](https://help.getpenfold.com/en/articles/8957393-i-received-an-email-that-my-transfer-request-was-rejected-what-should-i-do.md)
- [How can I cancel my transfer request?](https://help.getpenfold.com/en/articles/8957399-how-can-i-cancel-my-transfer-request.md)
- [Does Penfold accept crystallised funds?](https://help.getpenfold.com/en/articles/8957410-does-penfold-accept-crystallised-funds.md)
- [Does Penfold accept pension transfers with a protected normal minimum pension age?](https://help.getpenfold.com/en/articles/9071376-does-penfold-accept-pension-transfers-with-a-protected-normal-minimum-pension-age.md)
- [🎥 How to Transfer Your Old Pension to Penfold – Watch the Video Guide](https://help.getpenfold.com/en/articles/11853527-how-to-transfer-your-old-pension-to-penfold-watch-the-video-guide.md): Want to bring all your pensions together with Penfold but not sure how to start? We’ve got you covered with a quick and easy video guide!
- [What should I check before combining pension pots?](https://help.getpenfold.com/en/articles/13002474-what-should-i-check-before-combining-pension-pots.md): Things to consider if you want to transfer pension pots
- [How to submit a Partial transfer into Penfold](https://help.getpenfold.com/en/articles/15435147-how-to-submit-a-partial-transfer-into-penfold.md): How to transfer part of your pension to Penfold when you don't want to move your full pension balance.
- [Do you charge transfer-out or exit fees?](https://help.getpenfold.com/en/articles/4063310-do-you-charge-transfer-out-or-exit-fees.md): Are there any costs for leaving Penfold, or transferring over to another provider?
- [Can I transfer my Penfold pot to an overseas provider?](https://help.getpenfold.com/en/articles/8957423-can-i-transfer-my-penfold-pot-to-an-overseas-provider.md)
- [How can I transfer my pension out of Penfold?](https://help.getpenfold.com/en/articles/8957427-how-can-i-transfer-my-pension-out-of-penfold.md)
- [Will I need to fill out any discharge forms to transfer out of Penfold?](https://help.getpenfold.com/en/articles/8957440-will-i-need-to-fill-out-any-discharge-forms-to-transfer-out-of-penfold.md)
- [How long does it take to transfer my Penfold pension to a new provider?](https://help.getpenfold.com/en/articles/8957451-how-long-does-it-take-to-transfer-my-penfold-pension-to-a-new-provider.md)
- [What happens to my Penfold account after I transfer my pension?](https://help.getpenfold.com/en/articles/8957459-what-happens-to-my-penfold-account-after-i-transfer-my-pension.md)
- [Why do you ask for additional details about the new provider when transferring my pension out of Penfold?](https://help.getpenfold.com/en/articles/8957472-why-do-you-ask-for-additional-details-about-the-new-provider-when-transferring-my-pension-out-of-penfold.md)
- [How can transferring out affect my pension pot value?](https://help.getpenfold.com/en/articles/9756424-how-can-transferring-out-affect-my-pension-pot-value.md)
- [I’ve transferred out of Penfold, but there are still funds in my pot](https://help.getpenfold.com/en/articles/10696218-i-ve-transferred-out-of-penfold-but-there-are-still-funds-in-my-pot.md)

## For employees

- [How do I opt out of my Penfold pension?](https://help.getpenfold.com/en/articles/16243881-how-do-i-opt-out-of-my-penfold-pension.md): If your employer has enrolled you into a Penfold pension, you can choose to opt out.
- [I opted out of my pension. Why am I contributing again?](https://help.getpenfold.com/en/articles/16243927-i-opted-out-of-my-pension-why-am-i-contributing-again.md): Find out why your pension contributions may restart after you’ve opted out, and how to opt out again.
- [What happens if I opt out of my workplace pension scheme?](https://help.getpenfold.com/en/articles/6364303-what-happens-if-i-opt-out-of-my-workplace-pension-scheme.md): Here's what happens if you decide not to take part in your company pension scheme.
- [I've opted out of my workplace pension scheme, but a pension contribution was still deducted](https://help.getpenfold.com/en/articles/8671204-i-ve-opted-out-of-my-workplace-pension-scheme-but-a-pension-contribution-was-still-deducted.md)
- [I've opted out of my workplace pension scheme. When will I receive my refund?](https://help.getpenfold.com/en/articles/8650644-i-ve-opted-out-of-my-workplace-pension-scheme-when-will-i-receive-my-refund.md)
- [I've missed the window to opt out of my workplace pension scheme. What can I do now?](https://help.getpenfold.com/en/articles/8650627-i-ve-missed-the-window-to-opt-out-of-my-workplace-pension-scheme-what-can-i-do-now.md): Find out what to do if you'd like to stop contributing to your Penfold pension.
- [Welcome to Penfold! 🎉](https://help.getpenfold.com/en/articles/8926588-welcome-to-penfold.md): Everything you need to know to get started with your new workplace pension.
- [How do you enroll me into my employer's pension scheme?](https://help.getpenfold.com/en/articles/8650636-how-do-you-enroll-me-into-my-employer-s-pension-scheme.md): Find out how the process works.
- [How to: Access the Penfold account my employer set up for me](https://help.getpenfold.com/en/articles/7991485-how-to-access-the-penfold-account-my-employer-set-up-for-me.md)
- [I didn't receive my welcome email](https://help.getpenfold.com/en/articles/8671212-i-didn-t-receive-my-welcome-email.md)
- [What happens to my pension after I change my employer?](https://help.getpenfold.com/en/articles/8650650-what-happens-to-my-pension-after-i-change-my-employer.md)
- [Why aren't my pension contributions showing?](https://help.getpenfold.com/en/articles/7991454-why-aren-t-my-pension-contributions-showing.md): Discover how long it takes for your pension contributions to land in your Penfold account.
- [Why does my account show £0.00?](https://help.getpenfold.com/en/articles/6364252-why-does-my-account-show-0-00.md): Here's why your new Penfold pension is currently empty.
- [Why do I only have “employer contributions”?](https://help.getpenfold.com/en/articles/6364268-why-do-i-only-have-employer-contributions.md): Here's why you can't see any personal contributions into your Penfold pension.
- [Where are my contributions invested?](https://help.getpenfold.com/en/articles/3535068-where-are-my-contributions-invested.md): Can I choose where I invest my pension, in a specific fund?
- [Can my employer pay into my Penfold pension?](https://help.getpenfold.com/en/articles/4063383-can-my-employer-pay-into-my-penfold-pension.md): Can Penfold allow umbrella company payments from my employer?
- [How to change your workplace pension contribution percentage.](https://help.getpenfold.com/en/articles/6364277-how-to-change-your-workplace-pension-contribution-percentage.md): Updating your pension contributions is quick and easy with Penfold. Follow the steps below to make adjustments based on your financial goals
- [I amended my employee contributions - when will this be actioned?](https://help.getpenfold.com/en/articles/6623268-i-amended-my-employee-contributions-when-will-this-be-actioned.md): If you have recently amended your pension contribution with us, find out when this will be changed in our FAQ section today.
- [Can I stay with Penfold after changing jobs?](https://help.getpenfold.com/en/articles/11600481-can-i-stay-with-penfold-after-changing-jobs.md)
- [What should I do with my Penfold pension when I leave my job?](https://help.getpenfold.com/en/articles/11600485-what-should-i-do-with-my-penfold-pension-when-i-leave-my-job.md)
- [Can I transfer my new workplace pension into Penfold?](https://help.getpenfold.com/en/articles/11600489-can-i-transfer-my-new-workplace-pension-into-penfold.md)
- [I’ve left my employer – why did I get a contribution recently?](https://help.getpenfold.com/en/articles/11600491-i-ve-left-my-employer-why-did-i-get-a-contribution-recently.md)
- [How can I opt into Salary Sacrifice?](https://help.getpenfold.com/en/articles/10696190-how-can-i-opt-into-salary-sacrifice.md): Switching to Tax-efficient saving
- [What is salary sacrifice and how does it work?](https://help.getpenfold.com/en/articles/10696198-what-is-salary-sacrifice-and-how-does-it-work.md)

## Investing

- [Fund and plan name changes](https://help.getpenfold.com/en/articles/16802856-fund-and-plan-name-changes.md)
- [How often is the value of my pension pot updated?](https://help.getpenfold.com/en/articles/8671168-how-often-is-the-value-of-my-pension-pot-updated.md): Keep an eye on your pot value at all times.
- [Can I have a pension and other investments like an ISA?](https://help.getpenfold.com/en/articles/3535081-can-i-have-a-pension-and-other-investments-like-an-isa.md): Does a Penfold pension stop me from opening an ISA?
- [What is the Lifetime Plan?](https://help.getpenfold.com/en/articles/5609592-what-is-the-lifetime-plan.md): What is the Lifetime plan and what does it mean for the way your pension will be invested
- [What risk level should I choose to invest in?](https://help.getpenfold.com/en/articles/3535071-what-risk-level-should-i-choose-to-invest-in.md): Which investment plan should I chose?
- [How long does it take for a fund switch to settle?](https://help.getpenfold.com/en/articles/4099730-how-long-does-it-take-for-a-fund-switch-to-settle.md): Learn how long it takes for you to change your pension risk level.
- [How can I change my investment type?](https://help.getpenfold.com/en/articles/3535074-how-can-i-change-my-investment-type.md): How and when can I change my risk level?
- [Understanding your investment options](https://help.getpenfold.com/en/articles/14644060-understanding-your-investment-options.md)
- [What is the Penfold Plan?](https://help.getpenfold.com/en/articles/10420439-what-is-the-penfold-plan.md)
- [What are the benefits of the Penfold Plan?](https://help.getpenfold.com/en/articles/10420444-what-are-the-benefits-of-the-penfold-plan.md)
- [What are private markets?](https://help.getpenfold.com/en/articles/10429600-what-are-private-markets.md): Find out what assets our Penfold Plan invests in
- [What are liquid alternatives?](https://help.getpenfold.com/en/articles/10429605-what-are-liquid-alternatives.md): Find out what assets the Penfold Plan invests in
- [Why is investing in private markets and liquid alternatives important?](https://help.getpenfold.com/en/articles/10429608-why-is-investing-in-private-markets-and-liquid-alternatives-important.md)
- [How do the risk levels of the Penfold Plan differ from the Standard and Sustainable Lifetime plans?](https://help.getpenfold.com/en/articles/10420457-how-do-the-risk-levels-of-the-penfold-plan-differ-from-the-standard-and-sustainable-lifetime-plans.md)
- [How has the Penfold Plan performed in the past?](https://help.getpenfold.com/en/articles/10420447-how-has-the-penfold-plan-performed-in-the-past.md)
- [How is the Penfold Plan protected by the FSCS?](https://help.getpenfold.com/en/articles/12524365-how-is-the-penfold-plan-protected-by-the-fscs.md)
- [Does the Penfold Plan have a different fee?](https://help.getpenfold.com/en/articles/10420452-does-the-penfold-plan-have-a-different-fee.md)
- [Was I moved to the Penfold Plan automatically?](https://help.getpenfold.com/en/articles/10420454-was-i-moved-to-the-penfold-plan-automatically.md)

## Paying into your pension

- [How can I pay into my Penfold pension?](https://help.getpenfold.com/en/articles/8193371-how-can-i-pay-into-my-penfold-pension.md)
- [How do I edit my existing Direct Debit?](https://help.getpenfold.com/en/articles/4063435-how-do-i-edit-my-existing-direct-debit.md)
- [How long does it take for my payment to reach Penfold?](https://help.getpenfold.com/en/articles/3692850-how-long-does-it-take-for-my-payment-to-reach-penfold.md): My payment has left my bank account, but it isn't showing in my Penfold account yet.
- [Why can't I change my payment details?](https://help.getpenfold.com/en/articles/4070470-why-can-t-i-change-my-payment-details.md): Why are the boxes 'greyed out' on the payments page?
- [Shall I pay in through personal or business contributions?](https://help.getpenfold.com/en/articles/3693203-shall-i-pay-in-through-personal-or-business-contributions.md): How is it different with tax, paying in through my business or my personal bank account?
- [How can I stop my Direct Debit payments?](https://help.getpenfold.com/en/articles/4063452-how-can-i-stop-my-direct-debit-payments.md)
- [Can I pay in through my limited company?](https://help.getpenfold.com/en/articles/3693193-can-i-pay-in-through-my-limited-company.md): As a company director, can I pay into my pension through my business?
- [Why hasn't my first payment come out yet?](https://help.getpenfold.com/en/articles/3692837-why-hasn-t-my-first-payment-come-out-yet.md): How long does it take for my first payment to go into my Penfold account?
- [Is there a minimum amount I can pay into my pension?](https://help.getpenfold.com/en/articles/3535088-is-there-a-minimum-amount-i-can-pay-into-my-pension.md): Find out the minimum you need to put into your pension every month.
- [Is there a maximum I can pay into my pension?](https://help.getpenfold.com/en/articles/3535090-is-there-a-maximum-i-can-pay-into-my-pension.md): How much can I contribute and receive the government's tax top ups? Will I get a tax charge if I exceed this maximum?
- [Can I reduce my payment?](https://help.getpenfold.com/en/articles/4063460-can-i-reduce-my-payment.md)
- [My Direct Debit payment to Penfold failed. What can I do?](https://help.getpenfold.com/en/articles/8650498-my-direct-debit-payment-to-penfold-failed-what-can-i-do.md)
- [How to: Pay in via bank transfer](https://help.getpenfold.com/en/articles/9891962-how-to-pay-in-via-bank-transfer.md): What are the steps to make a bank transfer contribution?
- [Understanding cash interest](https://help.getpenfold.com/en/articles/9827531-understanding-cash-interest.md): All you need to know about cash interest
- [Can I make business contributions from multiple companies?](https://help.getpenfold.com/en/articles/10696184-can-i-make-business-contributions-from-multiple-companies.md)
- [How much should I pay into my pension?](https://help.getpenfold.com/en/articles/11878443-how-much-should-i-pay-into-my-pension.md)

## Government tax relief

- [How tax relief helps your pension grow](https://help.getpenfold.com/en/articles/12301277-how-tax-relief-helps-your-pension-grow.md)
- [How much tax top-up will I get from the government?](https://help.getpenfold.com/en/articles/3535097-how-much-tax-top-up-will-i-get-from-the-government.md): How much tax relief will I get from HMRC?
- [How do I claim the government's tax-top ups?](https://help.getpenfold.com/en/articles/3535098-how-do-i-claim-the-government-s-tax-top-ups.md): Do I need to claim my tax top ups?
- [Does my pension contribution qualify for tax relief?](https://help.getpenfold.com/en/articles/7991203-does-my-pension-contribution-qualify-for-tax-relief.md)
- [How long does it take to receive tax top ups?](https://help.getpenfold.com/en/articles/7991165-how-long-does-it-take-to-receive-tax-top-ups.md)
- [How to use your pension to cut tax](https://help.getpenfold.com/en/articles/11600924-how-to-use-your-pension-to-cut-tax.md): Understanding the benefits of Tax-efficient saving \(Salary Sacrifice\)

## Your Forecast

- [How is my forecast calculated?](https://help.getpenfold.com/en/articles/6541737-how-is-my-forecast-calculated.md): Learn how our pension forecast calculator works to predict your retirement income. Discover the key factors impacting your pension today.
- [What assumptions is my retirement income based on?](https://help.getpenfold.com/en/articles/6541747-what-assumptions-is-my-retirement-income-based-on.md): Learn more about the underlying assumptions our pension forecast calculator uses to predict your retirement income.
- [What are the lifestyle categories based on?](https://help.getpenfold.com/en/articles/6541752-what-are-the-lifestyle-categories-based-on.md): Learn how our pension lifestyle calculator works. Discover the criteria we use on for an overall accurate prediction breakdown.
- [Can I include other pensions to get a complete understanding of my retirement income?](https://help.getpenfold.com/en/articles/6541767-can-i-include-other-pensions-to-get-a-complete-understanding-of-my-retirement-income.md): Learn how our forecasting pension calculator can include pensions outside Penfold to provide a complete picture of your retirement income.
- [Why is my forecast value so low?](https://help.getpenfold.com/en/articles/6549964-why-is-my-forecast-value-so-low.md): If your pension forecast value estimate is low, there could be many reasons why. Discover Penfold's top three in our FAQ guide.

## Withdrawing from your pension

- [Can I withdraw money from my pension whenever I want?](https://help.getpenfold.com/en/articles/3535032-can-i-withdraw-money-from-my-pension-whenever-i-want.md): When can I access my pension and begin to withdraw from it?
- [When is the earliest I can withdraw from my Penfold pension, and are there any exceptions?](https://help.getpenfold.com/en/articles/3535056-when-is-the-earliest-i-can-withdraw-from-my-penfold-pension-and-are-there-any-exceptions.md): How old do I have to be to receive my pension?
- [What are the options I have to withdraw from my pension when I reach the age of 55?](https://help.getpenfold.com/en/articles/3535062-what-are-the-options-i-have-to-withdraw-from-my-pension-when-i-reach-the-age-of-55.md): How can I start to access my pension?
- [How do I request to withdraw my pension from Penfold?](https://help.getpenfold.com/en/articles/7991194-how-do-i-request-to-withdraw-my-pension-from-penfold.md): Find out how to request a pension withdrawal.
- [I have completed the withdrawal forms. What other documents do I need to provide?](https://help.getpenfold.com/en/articles/10637606-i-have-completed-the-withdrawal-forms-what-other-documents-do-i-need-to-provide.md)
- [Why do you need my documents to process my withdrawal?](https://help.getpenfold.com/en/articles/10650505-why-do-you-need-my-documents-to-process-my-withdrawal.md)
- [Where do I send my withdrawal documents?](https://help.getpenfold.com/en/articles/10650496-where-do-i-send-my-withdrawal-documents.md)
- [My ID or selfie weren’t accepted for my withdrawal. What’s next?](https://help.getpenfold.com/en/articles/10637648-my-id-or-selfie-weren-t-accepted-for-my-withdrawal-what-s-next.md)
- [Do I pay tax when I withdraw my Penfold pension?](https://help.getpenfold.com/en/articles/3535057-do-i-pay-tax-when-i-withdraw-my-penfold-pension.md): Find out how pension taxes work and how much you'll need to pay.
- [When can I expect to receive my withdrawal?](https://help.getpenfold.com/en/articles/10637566-when-can-i-expect-to-receive-my-withdrawal.md)
- [How much will I receive?](https://help.getpenfold.com/en/articles/10650486-how-much-will-i-receive.md): Find out how much you can expect to receive when withdrawing from your pension.
- [Can I request regular withdrawals?](https://help.getpenfold.com/en/articles/10650475-can-i-request-regular-withdrawals.md)
- [I can no longer work due to an illness, can I access my pension early?](https://help.getpenfold.com/en/articles/10637491-i-can-no-longer-work-due-to-an-illness-can-i-access-my-pension-early.md)
- [I am a beneficiary of a family member who has passed](https://help.getpenfold.com/en/articles/10637543-i-am-a-beneficiary-of-a-family-member-who-has-passed.md)

## For employers and accountants

- [What is a Declaration of Compliance and what information do I need to complete it?](https://help.getpenfold.com/en/articles/14122613-what-is-a-declaration-of-compliance-and-what-information-do-i-need-to-complete-it.md)
- [Do I still need to enrol someone who already said they want to opt out?](https://help.getpenfold.com/en/articles/11389915-do-i-still-need-to-enrol-someone-who-already-said-they-want-to-opt-out.md)
- [Ceasing contributions vs opting out of a workplace pension / How to stop contributions for an employee](https://help.getpenfold.com/en/articles/14122577-ceasing-contributions-vs-opting-out-of-a-workplace-pension-how-to-stop-contributions-for-an-employee.md)
- [Can employees who opted out opt back in?](https://help.getpenfold.com/en/articles/11389942-can-employees-who-opted-out-opt-back-in.md)
- [Will employees’ old pensions transfer to Penfold automatically?](https://help.getpenfold.com/en/articles/11389957-will-employees-old-pensions-transfer-to-penfold-automatically.md)
- [What happens if an employee leaves the company?](https://help.getpenfold.com/en/articles/11389962-what-happens-if-an-employee-leaves-the-company.md)
- [Director or Auto Enrolment pension - which do I need?](https://help.getpenfold.com/en/articles/11541417-director-or-auto-enrolment-pension-which-do-i-need.md)
- [Can I schedule a Direct Debit payment to be taken on a later date?](https://help.getpenfold.com/en/articles/11602333-can-i-schedule-a-direct-debit-payment-to-be-taken-on-a-later-date.md)
- [Closing previous workplace pension accounts](https://help.getpenfold.com/en/articles/9220812-closing-previous-workplace-pension-accounts.md)
- [How to set up a workplace pension without a Companies House number](https://help.getpenfold.com/en/articles/14122568-how-to-set-up-a-workplace-pension-without-a-companies-house-number.md)
- [Historic / backdating contributions](https://help.getpenfold.com/en/articles/15270615-historic-backdating-contributions.md)
- [What are the fees for the employer?](https://help.getpenfold.com/en/articles/16392827-what-are-the-fees-for-the-employer.md)
- [I'd like to learn more about Penfold's Workplace Pension](https://help.getpenfold.com/en/articles/16406805-i-d-like-to-learn-more-about-penfold-s-workplace-pension.md)
- [Which pension fund will my employees be enrolled into?](https://help.getpenfold.com/en/articles/16639477-which-pension-fund-will-my-employees-be-enrolled-into.md)
- [How long does a workplace pension refund take?](https://help.getpenfold.com/en/articles/16646819-how-long-does-a-workplace-pension-refund-take.md)
- [Is Penfold a Relief at Source or Net Pay scheme?](https://help.getpenfold.com/en/articles/11183262-is-penfold-a-relief-at-source-or-net-pay-scheme.md)
- [Using EmployerIDs](https://help.getpenfold.com/en/articles/8117565-using-employerids.md)
- [I received a file ‘’ Action Required: Company Name ‘’ What is this?](https://help.getpenfold.com/en/articles/8795341-i-received-a-file-action-required-company-name-what-is-this.md)
- [Where can I send insolvency-related documents?](https://help.getpenfold.com/en/articles/8671194-where-can-i-send-insolvency-related-documents.md)
- [How to close your company’s Penfold workplace pension scheme](https://help.getpenfold.com/en/articles/14122552-how-to-close-your-company-s-penfold-workplace-pension-scheme.md)
- [Making Workplace Pension payments via Bank Transfer](https://help.getpenfold.com/en/articles/14183646-making-workplace-pension-payments-via-bank-transfer.md)
- [Which file formats do Penfold accept?](https://help.getpenfold.com/en/articles/8856342-which-file-formats-do-penfold-accept.md): Get up to speed with Penfold's accepted file formats and discover how using PAPDIS files can minimise errors and delays.
- [Which columns & values do we require for file uploads?](https://help.getpenfold.com/en/articles/8856478-which-columns-values-do-we-require-for-file-uploads.md): How to format correctly the columns in your enrolment and contribution files.
- [National Insurance Number \(NINO\) - Managing Employee Information in Penfold](https://help.getpenfold.com/en/articles/8587450-national-insurance-number-nino-managing-employee-information-in-penfold.md)
- [New employee enrolment](https://help.getpenfold.com/en/articles/8575861-new-employee-enrolment.md)
- [Processing employee contributions](https://help.getpenfold.com/en/articles/9842325-processing-employee-contributions.md)
- [Pay Period Dates](https://help.getpenfold.com/en/articles/8564812-pay-period-dates.md): Guidance on how to submit Pay Period dates for contributions
- [How to correct errors in your file](https://help.getpenfold.com/en/articles/9849431-how-to-correct-errors-in-your-file.md): Understand and correct errors in your enrolment and contribution files
- [When will the employer receive the opt-out refund amount?](https://help.getpenfold.com/en/articles/8795394-when-will-the-employer-receive-the-opt-out-refund-amount.md)
- [Understanding the 'Overdue' Status for Employees](https://help.getpenfold.com/en/articles/9291613-understanding-the-overdue-status-for-employees.md): How to keep your employee list up to date, and why
- [As an employer, how can I change my Direct Debit mandate?](https://help.getpenfold.com/en/articles/8671176-as-an-employer-how-can-i-change-my-direct-debit-mandate.md)
- [How to correct payroll/contribution errors?](https://help.getpenfold.com/en/articles/11183208-how-to-correct-payroll-contribution-errors.md)
- [What is pension re-enrolment, and what do I need to do?](https://help.getpenfold.com/en/articles/11389865-what-is-pension-re-enrolment-and-what-do-i-need-to-do.md)
- [Missing contribution files](https://help.getpenfold.com/en/articles/16233154-missing-contribution-files.md)
- [Additional Voluntary Contributions \(AVCs\)](https://help.getpenfold.com/en/articles/16388030-additional-voluntary-contributions-avcs.md)
- [I'm the only employee. Do I need a workplace pension?](https://help.getpenfold.com/en/articles/16388064-i-m-the-only-employee-do-i-need-a-workplace-pension.md)
- [Setting up a Penfold Pension in BrightPay](https://help.getpenfold.com/en/articles/8117410-setting-up-a-penfold-pension-in-brightpay.md)
- [How to download a PAPDIS file from BrightPay](https://help.getpenfold.com/en/articles/11178772-how-to-download-a-papdis-file-from-brightpay.md): Set up BrightPay to produce the correct contribution summary
- [How to set Salary Sacrifice up in Brightpay](https://help.getpenfold.com/en/articles/11886374-how-to-set-salary-sacrifice-up-in-brightpay.md)
- [Setting up a Penfold Pension in Xero](https://help.getpenfold.com/en/articles/8117500-setting-up-a-penfold-pension-in-xero.md)
- [How to download a PAPDIS file from Xero](https://help.getpenfold.com/en/articles/11131839-how-to-download-a-papdis-file-from-xero.md)
- [How to connect Penfold to Xero](https://help.getpenfold.com/en/articles/11131863-how-to-connect-penfold-to-xero.md): Set up our integration to Xero to automatically enrol employees and process contributions when you run payroll
- [Step-by-step guide - Set up a salary sacrifice pension in Xero](https://help.getpenfold.com/en/articles/12137575-step-by-step-guide-set-up-a-salary-sacrifice-pension-in-xero.md)
- [Setting up a Penfold Pension in FreeAgent](https://help.getpenfold.com/en/articles/11183109-setting-up-a-penfold-pension-in-freeagent.md)
- [How to download a PAPDIS file from FreeAgent](https://help.getpenfold.com/en/articles/11183117-how-to-download-a-papdis-file-from-freeagent.md): Set up FreeAgent to produce the right data
- [How to connect Penfold to FreeAgent](https://help.getpenfold.com/en/articles/10289215-how-to-connect-penfold-to-freeagent.md): Set up our integration to FreeAgent to automatically enrol employees and process contributions when you run payroll
- [How do I disconnect the Freeagent Payroll Integration?](https://help.getpenfold.com/en/articles/9823502-how-do-i-disconnect-the-freeagent-payroll-integration.md): Disconnecting from the Freeagent \<\> Penfold Payroll Integration
- [Setting up a Penfold Pension in Pento/HiBob](https://help.getpenfold.com/en/articles/11183067-setting-up-a-penfold-pension-in-pento-hibob.md): How do I set up a Penfold pension in Pento?
- [Exporting data from Pento/HiBob to Penfold](https://help.getpenfold.com/en/articles/11183083-exporting-data-from-pento-hibob-to-penfold.md): How do I send pension data from Pento to Penfold?
- [How do I integrate Pento/HiBob with Penfold?](https://help.getpenfold.com/en/articles/11183092-how-do-i-integrate-pento-hibob-with-penfold.md)
- [Setting up Penfold Pension in FreshPay](https://help.getpenfold.com/en/articles/11183155-setting-up-penfold-pension-in-freshpay.md)
- [How do I set FreshPay up to produce the right data?](https://help.getpenfold.com/en/articles/11183171-how-do-i-set-freshpay-up-to-produce-the-right-data.md)
- [How do I integrate FreshPay with Penfold?](https://help.getpenfold.com/en/articles/11183179-how-do-i-integrate-freshpay-with-penfold.md)
- [Setting up a Penfold Pension in Sage 50 Payroll](https://help.getpenfold.com/en/articles/8117483-setting-up-a-penfold-pension-in-sage-50-payroll.md)
- [How to download a PAPDIS file from Sage50](https://help.getpenfold.com/en/articles/11178481-how-to-download-a-papdis-file-from-sage50.md): Get Sage50 to produce the right contribution reports
- [Setting Up a Penfold Pension in Sage Payroll \(Cloud\)](https://help.getpenfold.com/en/articles/11654962-setting-up-a-penfold-pension-in-sage-payroll-cloud.md)
- [Setting up a Penfold Pension in IRIS Staffology](https://help.getpenfold.com/en/articles/8117494-setting-up-a-penfold-pension-in-iris-staffology.md)
- [How to download a PAPDIS file from IRIS Staffology](https://help.getpenfold.com/en/articles/11178384-how-to-download-a-papdis-file-from-iris-staffology.md): Get IRIS Staffology to produce the right data
- [How to connect Penfold to IRIS Staffology](https://help.getpenfold.com/en/articles/15442071-how-to-connect-penfold-to-iris-staffology.md)
- [Setting up a Penfold Pension in QuickBooks](https://help.getpenfold.com/en/articles/8954170-setting-up-a-penfold-pension-in-quickbooks.md)
- [How do I set QuickBooks up to produce the right data?](https://help.getpenfold.com/en/articles/11178445-how-do-i-set-quickbooks-up-to-produce-the-right-data.md)
- [Setting up a Penfold Pension in Moneysoft](https://help.getpenfold.com/en/articles/8117498-setting-up-a-penfold-pension-in-moneysoft.md)
- [How to download a PAPDIS file from Moneysoft](https://help.getpenfold.com/en/articles/11178714-how-to-download-a-papdis-file-from-moneysoft.md): Get MoneySoft to produce the right data
- [Setting up Penfold Pension in Brain Payroll](https://help.getpenfold.com/en/articles/14122455-setting-up-penfold-pension-in-brain-payroll.md)
- [How to set up Salary Sacrifice in Brain Payroll](https://help.getpenfold.com/en/articles/14122489-how-to-set-up-salary-sacrifice-in-brain-payroll.md)

## Pensions explained

- [What is a pension and do I need one?](https://help.getpenfold.com/en/articles/3540192-what-is-a-pension-and-do-i-need-one.md): Learn the basics of what a pension is and find out if they're right for you.
- [How much to save, and when to start?](https://help.getpenfold.com/en/articles/3540195-how-much-to-save-and-when-to-start.md): Find out how much you should be contributing into your pension.
- [How do I use my pension in the future?](https://help.getpenfold.com/en/articles/3540202-how-do-i-use-my-pension-in-the-future.md): Learn about the different ways you can access your pension when you retire.
- [What are the benefits?](https://help.getpenfold.com/en/articles/3540199-what-are-the-benefits.md): Discover a few of the advantages that come with setting up a pension.
- [What is Penfold and how does it work?](https://help.getpenfold.com/en/articles/3540178-what-is-penfold-and-how-does-it-work.md): Learn more about Penfold, what we do, and how our pension works
- [How do I calculate my self-assessment tax return?](https://help.getpenfold.com/en/articles/4063480-how-do-i-calculate-my-self-assessment-tax-return.md): Information on your pension contributions, your tax relief and how to calculate your self-assessment tax return for the self-employed
- [How do I complete re-enrolment at Penfold?](https://help.getpenfold.com/en/articles/9712220-how-do-i-complete-re-enrolment-at-penfold.md)
- [Derivative](https://help.getpenfold.com/en/articles/4511523-derivative.md): Find out what a derivative is along with some common examples.
- [Defined contribution pension](https://help.getpenfold.com/en/articles/3542642-defined-contribution-pension.md): Find out what a defined contribution pension is - explained in plain English.
- [Workplace pension](https://help.getpenfold.com/en/articles/3540438-workplace-pension.md): Find out what a workplace pension is - explained in plain English.
- [Tax relief](https://help.getpenfold.com/en/articles/3540436-tax-relief.md): Find out how tax relief works on your pension contributions.
- [State pension](https://help.getpenfold.com/en/articles/3540434-state-pension.md): Find out how the State pension works - explained in plain English.
- [SIPP](https://help.getpenfold.com/en/articles/3540432-sipp.md): Learn what a Self Invested Personal Pension \(SIPP\) is - explained in plain English.
- [Risk](https://help.getpenfold.com/en/articles/3540430-risk.md): Learn how level of risk affects the investments in your pension.
- [Private pension](https://help.getpenfold.com/en/articles/3540429-private-pension.md): Find out what a private pension is - explained in plain English.
- [Personal pension](https://help.getpenfold.com/en/articles/3540428-personal-pension.md): Find out what a personal pension is - explained in plain English.
- [Investing](https://help.getpenfold.com/en/articles/3540426-investing.md): Learn about the basics of investing and how it impacts your pension.
- [Equities](https://help.getpenfold.com/en/articles/3540424-equities.md): Discover what equity is and how it impacts your pension.
- [Employer contributions](https://help.getpenfold.com/en/articles/3540420-employer-contributions.md): Find out what employer contributions are and what they mean for your pension.
- [Defined benefit pension](https://help.getpenfold.com/en/articles/3540417-defined-benefit-pension.md): Find out what a defined benefit pension is - explained in plain English.
- [Contributions](https://help.getpenfold.com/en/articles/3540333-contributions.md): Learn what the phrase pension contribution actually means.
- [Compound interest](https://help.getpenfold.com/en/articles/3540318-compound-interest.md): Learn what compound interest is, how it works, and how it can affect your pension.
- [Bonds \(fixed income\)](https://help.getpenfold.com/en/articles/3540302-bonds-fixed-income.md): Find out what fixed income bonds are and how they work.
- [Auto-enrolment](https://help.getpenfold.com/en/articles/3540290-auto-enrolment.md): Discover what auto-enrolment means and how it affects your pension.
- [Annuity](https://help.getpenfold.com/en/articles/3540277-annuity.md): Find out what an annuity is and how they give you an income in retirement.

## Support for vulnerable customers

- [What do we mean by a "vulnerable customer"?](https://help.getpenfold.com/en/articles/11532296-what-do-we-mean-by-a-vulnerable-customer.md)
- [I need additional support while using your services. How do I notify you of this?](https://help.getpenfold.com/en/articles/11532299-i-need-additional-support-while-using-your-services-how-do-i-notify-you-of-this.md)
- [How do you support customers with vulnerabilities?](https://help.getpenfold.com/en/articles/11532303-how-do-you-support-customers-with-vulnerabilities.md)
- [How do you protect my personal information if I tell you I'm vulnerable?](https://help.getpenfold.com/en/articles/11532311-how-do-you-protect-my-personal-information-if-i-tell-you-i-m-vulnerable.md)
- [Can I update or remove my vulnerability information later?](https://help.getpenfold.com/en/articles/11532313-can-i-update-or-remove-my-vulnerability-information-later.md)
- [Who else can I turn to for help if I’m struggling?](https://help.getpenfold.com/en/articles/11532319-who-else-can-i-turn-to-for-help-if-i-m-struggling.md)