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Royal London: Pension reviews

Name: Pension
Rating: 3.13 (118 reviews)

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3.13

Based on 118 reviews, last reviewed 4th Sep 2026

200% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

22%

71%

Latest highest rating:

5

Excellent communication and performance, very happy... Excellent communication and performance, very happy with product and services.Annualised rate of return is competitive Reviewed on: 4th September 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 (118)

Worst Company ever do not go near them !

They bought over CIS who i was with , my Pension was meant to be paid on 17th jan 2022, now May 19th and still not got it, after numerous Phone calls same excuses and lies . my advice is do not go near this company Reviewed on: 19th May 2022

Awful service

Non responsive, slow, very poor basic admin. Can’t blame covid for just being slow and inefficient Reviewed on: 25th February 2022

Terrible company no thought or consideration for there customers

No payout late Husband passed away in May 2021 horrible company do not use this company for your life insurance Reviewed on: 10th February 2022

Transferred pension

Since transferring a pension into my Royal London pension, it has gone from making money consistantly to losing money everyday. This has gone.from 9.1% increase for the life of the policy and now down to 4%. I now feel I've made a very big mistake losing £100's of daily. What are they doing with it. Now only an increase of £2,000 in 11 years Reviewed on: 26th January 2022

AVOID Royal London Pension scemes

AVOID Royal London pensions. I have had a shockingly bad time with them and have received terrible shoddy service. For the last 12 months I have sent numerous emails and had numerous phone calls regarding a mistake that they have make on their part in regards to my first name. This situation has still not been fixed and they have no empathy whatsoever with the stress that it has caused me. I am in the process of transferring this pension to another company but I cannot do this until they fix my first name (a very simple thing to do) Avoid this company like the plague (pay close attention to the other reviews on here) I will be taking legal action as they are clearly holding on to my money, this is an untrustworthy and fraudulent company! “Big red flags people” BEWARE!! Reviewed on: 19th January 2022

Another unable to access pension

Same as the first review I read. My pension was also a CIS pension but it is well over a hundred thousand pound fund. I turned 60 in August of 2021 and from July of that year Royal London were informed what I wanted to do with my pension. It is now January 2022 and I still have no lump sum and no pension. The same old crap every time you contact them. The cannot verify my identity. They didn't get the settlement figure quick enough. They have a lot of departments that don't talk to ETC ETC ETC. I have gotten to the point where I firmly believe that I will never receive my pension and that Royal London are an absolute con. Reviewed on: 15th January 2022

Unable to access Pension

I took an annuity pension about 20 years ago when Royal London was formerly CIS (Co-op). It is not a large pension, only around £12,500 fund. I turned 60 years old in May and since around July, I have been trying to access my pension, so far without success. I have sent all relevant documentation to them including, sending proof of ID, not that I should need any as every time I call them, or they call me, I go through the same security checks etc etc etc! After sending my signed documents however, they then contacted me a month later to tell me they have not been able to establish my identity. I found this hard to believe, as I have banked with the same bank for over 40 years, I have had a paper trail of mortgages and loans going back over 40 years, I’m a UK resident and tax payer and I am on the voters register!!! They now wanted someone on authority to certify my ID (passport & driving licence) and I arranged for a close friend a former retired police officer of over 35 years to certify that he had seen my ID. Once again, I sent these off, but have received further communication rejecting the documents as the person certifying is now retired!!! After expressing my dissatisfaction to the customer service person, she was quite rude and abrupt, and it was clear I was getting nowhere fast! She suggested I have my GP certify the documents! You really couldn’t make it up. I would be lucky to see my GP if I was dying, let alone get him to sign my pension ID!!! It would appear that Royal London do not wish to part with MY money and are seeking to obstruct me at every stage of the process. Do not use this useless company!!! My score is -0/10 Reviewed on: 9th November 2021

Awful process to transfer in and out!

It took an eternity to transfer in from Nest... I thought this was Nest's poor CX. Now it's taking an eternity to move from Royal London to Aviva. Each side says the other is causing the delays. Reviewed on: 21st October 2021

mortgage protection life insurance

DO NOT TRUST ROYAL LONDON WHAT A LOAD OF SCAMMING CONS WHEN MY DAD DIED IT TOOK 5 MONTHS FOR THEM TO SORT THE CLAIM OUT TO SAY THEY NOT PAYING OUT YOU ARE SCAMMERS HE PAID 10 YEARS PAYMENT TO SAY YOUR NOT PAYING OUT THIS WILL BE TOOK FURTHER WITH OMNIBUS YOUR ROTTEN GETS HOW CAN YOU DO THIS TO PEOPLE WHEN THEY DIE LOOK AT ALL YOUR BAD REVIEWS THAT DOES SAY WHAT YOUR ARE RIPPING CUSTOMERS OFF Reviewed on: 8th October 2021

Totally unacceptable

I have been trying to cash in my pension since April 2021. It is now August I have just received my lump sum, they were supposed pay my back dated monthly payments in July there was a problem it will now go in mid August. I would never recommend this company for pensions . They never reply to emails or phone calls. I wish the Co-Op had never sold out to to RL BIG MISTAKE Reviewed on: 12th August 2021

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