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Royal London: Pension reviews

Name: Pension
Rating: 2.97 (113 reviews)

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2.97

Based on 113 reviews, last reviewed 9th Jul 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

20%

73%

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

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... Read more Reviewed on: 18th May 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 (113)

I've had a better toothache

They are not customer orientated whatsoever. Won't answer phones, so you email them but they send you another email with link, to another Web form, to verify yourself with the same information you emailed them in the first place, nonsense! Reviewed on: 1st April 2023

Useless churning "strategy", exorbitant fees

My workplace setup a Royal London pension - by default it is the "Balanced Lifestyle Strategy (drawdown)". I'm glad I only put in the bare minimum required for employer matching because: 1. Scammy fund administrators and investment managers - I noticed dozens of transactions per month, in and out of various of their ridiculously high cost funds. Some help you are, total POS. 2. Also, exorbitant fees for what is effectively a global equity index fund (minimum 100 bps or more per year) - shameful. How dare you. Stay away from these scammers, invest in an index fund yourself. (Blackrock/vanguard should be <10 bps per year) Reviewed on: 28th March 2023

Poorly Administrated

I have managed admin for my employers pension scheme for 7 years. During that time I have never once had a Royal London response to a request to make changes to employee data, I have had to chase every single time, on many occasions more than once. Changes and updates are simply not actioned - it is poor service. Royal London advisors are quite frequently rude when any dissatisfaction is expressed, rather than attempting to resolve the issues. Reviewed on: 22nd March 2023

Snail mail

Contacted RL last year to enquire about taking a pension pot, was told you can only start the process 4 weeks before you're 55th birthday, process wasn't started until after my birthday due to having to complete various paperwork and still today I am waiting for another item of paperwork to arrive via snail mail which once returned will take upto 15 working days to process, every step of this process takes weeks even ringing them is a joke, waiting ages and before you speak to someone line goes dead ☹️☹️☹️ Reviewed on: 20th March 2023

My work pension

This is a pension that my workplace set up for me but they are very transparent with their investments and a good place to have your pension Reviewed on: 9th March 2023

joke

opted out in october and i am still dealing with them to get refinded. absolute scammers Reviewed on: 21st February 2023

Avoid at all Costs - Be Warned

My wife has three pensions (AON, Scottish Widows and Royal London). The first two - no issues in drawing the pension out (would thoroughly recommend them). Royal London is a nightmare - held in queues for hours with no response then cut off. When she did get through they are putting up so many hurdles to get access to the money. Glad we have not got our main pensions with them or else we would be having solicitors involved. Just look above at how many negative ratings there are for them - says it all. Reviewed on: 20th February 2023

Stock Market up 10%, Pension Fund up 1% - Utter Disgrace

This company's fund managers do regular switches from investment funds within your managed portfolio which always has a bid offer spread and therefore every time they do it the investor loses at least 0.25%. If they left them where they were investors may have a chance of matching at least stock market gains. Since the start in 2022 stocks have gone up nearly 10% and pension gone up around 1% max. Total incompetence and looking to move it to a better company. Reviewed on: 4th February 2023

DO NOT by a pension with this compant

DO NOT get a pension with this company they have just lost 22% of my pension last year through miss management ,totally incompetent Reviewed on: 29th January 2023

Pension pay out delay

Over 2 months down the line and no further forward - delay after delay - are they going into administration? and I am never going to see my pension Reviewed on: 18th January 2023

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