Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.
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Consolidating your pensions into one easy-to-manage Moneybox Pension is a simple way to take control of your retirement savings. Transfer your pensions in-app using just a few details, or get help using our Pension Provider Search tool and from our team of Pension Detectives who’ll do the leg work for you.
Find out how much you should save to achieve your ideal retirement – and how to get there – using our handy Pension Calculator and library of useful in-app content.

There’s no one-size-fits-all way to save. With a Moneybox Pension, you can set up a weekly deposit, switch on a monthly payday boost, make one-off deposits, and round up daily purchases to the nearest pound.
You’ll receive a 25% bonus from the government on everything you add to your pension – for free! Pension and tax rules apply.
We’ve consolidated more than 60,000 pensions – and we could help combine yours too.
It’s easy to find and combine your old pots using our Provider Search tool in-app, or you could get assistance from our dedicated Pension Detectives and support team, who are always on hand to help.
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This fund is mainly invested in bonds. Here, the risk is lower, but so are the potential returns. It may be suitable for you if you’re over 50 years old and you want to move your pension investments out of riskier investments if you’re almost at retirement age.
This fund has a similar mix of bonds and stocks – meaning your money has a moderate potential for growth. With Balanced, the risk is slightly higher vs Cautious, but so are the potential returns. It may be suitable if you’re starting to approach retirement age.
This fund is mainly invested in stocks. It’s for those looking for higher potential returns in exchange for taking on more risk. It may be suitable for you if you’re under 50 years old and you want to give your pension investments more opportunity to grow.
Service fee 0.15% (capped at £150 a year)
Fund fee 0.29%
For example, if you had £10,000 invested in Moneybox funds, you would pay £44 a year in fees (assuming no growth or withdrawals). That £44 is calculated as £15 for the 0.15% service fee, plus £29 for the 0.29% fund fee. Funds from other providers are also available, with higher service fees and fund fees set by each provider.
This fund offers low cost, diversified exposure to the developed global stock market. It invests in more than 1,600 companies across 23 countries.
You probably interact with many of these companies every day; like Amazon, Facebook and Netflix. With your risk spread globally, you haven’t got all your eggs in one basket.
Invest in a range of companies from across the developed global stock market who consider environmental, social and governance (ESG) factors. These include things like how companies respond to climate change, treat their workers and manage their supply chains.
Please note that this fund is domiciled in Ireland and is not covered by the UK Financial Services Compensation Scheme (FSCS).
With an investment process that’s been approved by an independent Shariah committee, this fund excludes industries such as alcohol, gambling, tobacco, military equipment or weapons and any products containing pork. You’ll invest globally into shares across a range of sectors such as Technology and Healthcare.
Please note that this fund is domiciled in Luxembourg and is not covered by the UK Financial Services Compensation Scheme (FSCS).
Service fee 0.45% (no annual cap)
Fund fee Set by the provider
For example, if you had £10,000 invested in Fidelity Global Shares, you would pay £57 a year in fees (assuming no growth or withdrawals). That £57 is calculated as £45 for the 0.45% service fee, plus £12 for the 0.12% fund fee.
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.
Capital at risk. All investing should be for the longer term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.
A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.
For Business Saver: T&Cs apply. Max one withdrawal per day.