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Best pension providers

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4.78

Based on 270 reviews

A product by Moneybox app

With Moneybox, you can find and combine lost pensions into one Moneybox pension. You can transfer your pensions in-app or get help using the Moneybox Pension Provider Search tool. You can...

4.70

Based on 477 reviews

A product by Wealthify

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2026 Winner
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Wealthify offer a self-invested personal pension (SIPP). You can contribute via Direct Debit or one-off payments and choose from Cautious to Adventurous, Original or Ethical funds. You can also combine your...

4.70

Based on 226 reviews

A product by Moneyfarm

With a Moneyfarm Pension, you can get a pension portfolio that’s matched to you based on your risk profile and financial situation. You can transfer your old pensions to Moneyfarm as...

4.60

Based on 56 reviews

A product by Freetrade

Freetrade offer a self-invested personal pension (SIPP). With Freetrade, choose from 6,500+ stocks, ETFs, investment trusts, and UK Treasury bills. Manage your portfolio from anywhere via iOS and Android apps and...

At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.

We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.

It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.

4.48

Based on 61 reviews

A product by J.P. Morgan Personal Investing (formerly Nutmeg)

At Smart Money People, we collect J.P. Morgan Personal Investing Pension reviews from customers like you. If you're thinking of getting a J.P. Morgan Personal Investing Pension check out our...

4.30

Based on 8 reviews

A product by Fidelity

At Smart Money People, we collect Fidelity pension reviews from customers like you. If you're thinking of getting a Fidelity pension check out our reviews, or if you're an existing...

4.23

Based on 38 reviews

A product by Hargreaves Lansdown

At Smart Money People, we collect Hargreaves Lansdown pension reviews from customers like you. If you're thinking of getting a Hargreaves Lansdown pension check out our reviews, or if you're...

3.90

Based on 13 reviews

A product by interactive investor

Interactive Investor offers a Self-Invested Personal Pension (SIPP) service that allows individuals to take control of their retirement planning with a low monthly fee. Their SIPP is designed for those...

3.30

Based on 54 reviews

A product by The People's Pension

Read or write The People’s Pension workplace pensions reviews from the Smart Money People community. if you're considering using The People’s Pension, read our reviews from people like you to...

2.83

Based on 112 reviews

A product by Royal London

Royal London offers personal and workplace pensions through financial advisers. Your money is invested which means the value can go down as well as up and you may not get...

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Best pension provider rankings

Frequently asked questions

What is a private pension?

A private pension, or personal pension, is a type of pension you set up and manage yourself to save for retirement. You can have a private pension alongside, or instead of, an employer's workplace pension.

How do private pensions work?

Private pensions work in a similar way to workplace pensions, but you're personally responsible for making contributions rather than your employer. You can make regular monthly payments or one-off contributions. Personal pensions are popular with self-employed people, but anyone can have one. Some employers will even agree to contribute to a private pension you've set up.

Do you pay tax on income from a private pension?

Yes, like any pension income, you'll be taxed on withdrawals. Depending on your drawdown option, the initial 25% is generally tax-free.

What age can you start taking an income from a private pension?

As of 2025, you can currently start making withdrawals from your pension from age 55, but this is set to increase to 57 from April 2028. Anyone claiming they can help you access your pension early is likely attempting to scam you, so be cautious of any suspicious promises.

What types of private pensions are available?

There are two types of private pensions: a Personal Pension Plan, or a Self-Invested Personal Pension (SIPP). With a Personal Pension Plan, you appoint a pension company and they’ll select the funds to invest your pension into, or give you a set of options to choose from. With a Self-Invested Personal Pension, you choose where you invest your cash. You’ll still need to choose a pension provider, but afterwards you have full control over which funds, shares, or other assets to invest your money into. The best pension provider will depend on how you want to manage your pension, so be sure to research the different types and what different pension providers offer.

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