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Royal London: Pension reviews

Name: Pension
Rating: 2.77 (114 reviews)

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2.77

Based on 114 reviews, last reviewed 23rd Jul 2026

300% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

20%

74%

Latest highest rating:

5

They were very helpfull and polite and patient with... They were very helpfull and polite and patient with me Reviewed on: 9th July 2026

Latest lowest rating:

1

I trusted this company with my pension, shocking!! I have 2 pensions with these, one set up by my company and the other that I opted out of SERPS with. I moved home a few years ago and didn’t get stat... Read more Reviewed on: 23rd July 2026

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About this product

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 back what you put in. Royal London’s online service makes it easy for you to track your pension and make changes to your plan.

Royal London pension reviews help you find out what it’s really like to be a customer. If you’ve used Royal London before, you can also leave a review and share your experience.

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Royal London Pension reviews (114)

I trusted this company with my pension, shocking!!

I have 2 pensions with these, one set up by my company and the other that I opted out of SERPS with. I moved home a few years ago and didn’t get statements for both pensions for a few years, added to this took my eye off the ball with them. When I finally got statements, it turns out for the past 5 years in a row the pensions have made 0.25% a year every year ! I therefore complained as the returns were unbelievable, I was told that my funds had been invested in CREST. I just wonder how many other victims they have. To put this into context, I had £50k nearly invested and over 5 years they have made me £500 whilst taking over £5k in charges for their expertise in investing!! So over a 5 year period they have made 1.25% whilst the FTSE has increased by nearly 50%. This is not a company to trust with your money! I have today transferred this account, unfortunately though I have another account with £50k in, with exactly the same story, this account can’t be transferred though! How convenient!! BTW Royal London,I could have made 15% in a building society account over 5 years! Disgraceful! Reviewed on: 23rd July 2026

They were very helpfull and polite and patient with...

They were very helpfull and polite and patient with me Reviewed on: 9th July 2026

A workplace pension that actually gives something back

Happy with Royal London as my workplace pension provider. The platform is straightforward to navigate and gives you a clear view of how your pot is performing. What sets them apart is the profit share — as a mutual, they distribute a share of profits back to eligible policyholders, which is a meaningful differentiator from the big corporate providers. Feels like a scheme that's actually aligned with members rather than shareholders. Reviewed on: 25th June 2026

Great customer service

Always prompt responses to questions and explained in a manner that is easy to understand. Reviewed on: 11th June 2026

6 months trying to transfer a pension out of Royal L...

6 months trying to transfer a pension out of Royal London. Response is chronically slow. You are on the phone on hold for hours before anyone picks up. so many times Ive assumed I rang the wrong number as no one responds, but it was correct. So poor. Reviewed on: 18th May 2026

Utterly useless company.

Utterly useless company. I've just spent nearly 2 hours on the phone trying to get answers to what should be everyday questions before I cash in part of my pension pot. I've spoken to 4 different departments so far (each one taking about half an hour to answer the call) and they're all equally clueless. Appalling service, avoid. Reviewed on: 27th April 2026

They have been easy to deal with, no nonsense paperw...

They have been easy to deal with, no nonsense paperwork and a good app Reviewed on: 27th April 2026

Been fantastic in managing my pension, super returns...

Been fantastic in managing my pension, super returns over the years. Reviewed on: 18th April 2026

Royal London has forgotten customer experience - try...

Royal London has forgotten customer experience - trying calling their customer services on the phone, it speaks for itself. Reviewed on: 27th February 2026

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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