Simple retirement saving at one of the UK's lowest costs*
Build a retirement full possibility with one of the lowest fees in the UK, expertly created funds, and flexible drawdown.
Pension savings are designed for the long term and payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Pension and tax rules apply.
*Moneybox, Pension fees comparison, 20/04/26
Join the award-winning Moneybox Personal Pension
Get £100-£5,000 cashback for your future
Transfer in, deposit, or do both to add £10,000 or more into a Moneybox Personal Pension by 31 July 2026 to earn your cashback.
Capital at risk. Pension, tax rules, and offer T&Cs apply.
What is a Moneybox Personal Pension?
Whether you’re just starting to think about the future or want to bring your old workplace pensions together, Moneybox makes it straightforward. Our award-winning personal pension offers:
Fees capped at £150 a year – no matter the size of your pension
Customisable allocations
A simple range of options to access your savings
An easy way to find and combine your old workplace pensions in minutes
A 25% bonus from the government when you add to your pension savings.
Why choose Moneybox for your retirement?
Expertly curated funds
Get your savings working harder with Moneybox funds – capped at £150 a year. Plus, customise allocations.
Easy management
Open and manage your Moneybox Personal Pension on desktop or in app.
Straightforward fees with nothing hidden
Our pension Service fee is just 0.15% a year, capped at £150 - however large your pension pot grows. No trading fees, no transfer fees, no surprises. Straightforward pricing, so more of your money goes where it belongs - towards your retirement. Other providers' funds available.
Moneybox's Personal Pension service fees
Do you have old pensions sitting elsewhere? High fees could be shrinking your retirement savings. Combine your old pots into one Moneybox Personal Pension and save up to £725 on service fees every year.
Pension value | Moneybox Annual service fees |
|---|---|
£10,000 | £15 |
£25,000 | £62 |
£50,000 | £75 |
£100,000 | £150 |
£250,000 | £150 |
£500,000 | £150 |
£1,000,000 | £150 |
Moneybox fees shown are for the Moneybox funds (Pension default option). Correct as of 26/05/2026. It does not include any dealing or FX fees a provider may charge, or any fees directly charged by the asset invested in such as fund or ETF fees.
Moneybox guide to pensions
Save for retirement using the “half your age” rule
Head of Personal Finance, Brian Byrnes, explains.
Investing with a Moneybox Pension
Investing for retirement can be quick and easy. Here’s how it works.
How to make the most of your pension savings
Make your pension work harder.
What is pension tax relief?
Breaking down the jargon around tax relief.
It’s important to know
As with all investing, your capital is at risk. The value of your pension can go up and down, and you may get back less than you invest. When deciding whether to transfer your pension, it’s important to compare the charges, investment options & benefits between Moneybox and your old provider. Moneybox cannot accept a transfer from a pension your employer is currently paying into. You can only access your pension once you reach the minimum pension age.
Tax treatment depends on individual circumstances and may be subject to change in the future.