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Review of the Royal London, Pension:

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Deeply frustrating

My experience with Royal London has been utterly shocking. For months, I was unable to access my pension portfolio due to an unresolved IT issue that they seemed completely incapable of fixing. This wasn’t a minor inconvenience — it prevented me from making essential changes to my pension, and the lack of urgency or competence in addressing it was astonishing. Communication was equally painful. Every time I called, I had to start from scratch, re‑explaining the same issue to yet another person who had no awareness of the previous conversations. There was no continuity, no ownership, and certainly no sign of an efficient internal process. Their complaints process was even worse. Instead of taking responsibility or offering meaningful solutions, they dragged things out to the point where I had no choice but to escalate the matter to the ombudsman. That alone says everything about how poorly they handle customer concerns. Now i finally have access online, the portal feels extremely outdated and slow. Fund options are narrow, performance tracking is practically nonexistent, and the overall user experience feels decades behind other providers. As a result, I transfer the funds out of my company pension at regular intervals just to manage it properly on other pension platforms. Overall, Royal London has demonstrated a lack of technical capability, poor communication, ineffective complaint handling, and an online system that simply isn’t fit for purpose. I would strongly advise anyone considering them to look elsewhere. Reviewed on: 9th February 2026

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