No hidden charges

  • No exit fees
  • No charge to switch investments
  • No charge to take money out
  • No charge to transfer in (your old provider may charge an exit fee)

How our charges work

  • Total Fund Charge

    What you’ll pay for investing in a fund – made up of the Investment Charge and Additional Expenses.

  • Service Charge

    Covers the cost of administering your pension.

  • Total Charge

    This is what you pay.

You can choose from over 50 investment options, so the exact charge you pay will depend on the investments you choose.

See the full fund list for individual charges for each investment option, and for more detail on how charges are calculated and applied read our Costs and Charges page.

What you'll pay with our ready-made option

Our ready-made option is designed with most pension savers in mind. 

The Total Charge you'll pay is: 0.55%. 

This is made up of a Service Charge of 0.45% and a Total Fund Charge of 0.10%.

The charges shown are for the most expensive fund within this investment option - so you may pay less.

Figures correct as at 05 February 2025 (unless otherwise stated). Charges aren't guaranteed and can change in the future.

 

Pension plan value:

£
£1 £100,000

Your estimated total charge

£147

This figure is for illustrative purpose only

More about our Personal Pension