Build a retirement worth waiting for

  • Find and combine lost pensions into one easy-to-manage Moneybox Pension
  • Choose where you want to invest your retirement savings
  • Get a 25% bonus from the government as tax relief on contributions

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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80k

More than 80,000 customers are taking control of their financial future with the Moneybox Pension

107k

We’ve combined more than 107,000 lost pension pots

£17.5m

Our customers have gained more than £17.5 million in pension tax relief

Find and combine old pensions

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.

Work out what to save

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.

Use Pension Calculator

Join over 1 million people building wealth with Moneybox

Boring Money Best App - Moneybox - 3 years running 2023-2025

British Bank Awards - Best Investments Provider - Winner 2023 & 2024

Borning Money Best Buy Award - Moneybox - Customer Service - 2021

Save your way

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.

Get free money for your pension

You’ll receive a 25% bonus from the government on everything you add to your pension – for free! Pension and tax rules apply.

What’s pension tax relief?

Take control of
your financial future

Meet your
dedicated support team

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.

 

How does it work?

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Moneybox funds

Introducing the Moneybox funds, giving you an easy way to invest your pension and grow your wealth for retirement. This is the default option for your pension, unless you select otherwise.

Moneybox Cautious

The risk is low, but so are the potential returns. It may be suitable if you’re almost at retirement age.

Fund fee 0.29% i
Transaction costs also apply.
Find out more

Moneybox Balanced

You place similar weighting on risk and return. It may be suitable if you’re starting to approach retirement age.

Fund fee 0.29% i
Transaction costs also apply.
Find out more

Moneybox Adventurous

You’re happy to accept higher risk for potentially higher returns. It may suit you if you’re further away from retirement age.

Fund fee 0.29% i
Transaction costs also apply.
Find out more

Fees

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.

Other providers' funds

Select from a range of other providers' funds within the Moneybox app.

Global Shares

Diversify your retirement investment portfolio with the Fidelity Index World fund, a low-cost way to invest in thousands of global companies like Netflix, Amazon and Tesla.

Fund fee 0.12% i
Transaction costs also apply.
Find out more

Global Shares ESG

Invest your pension in global companies that lead the way in environmental, social and governance factors through a socially responsible fund.

Fund fee 0.17% i
Transaction costs also apply.
Find out more

Islamic Global Shares

Follow the principles of Islamic finance by excluding industries such as alcohol and tobacco.

Fund fee 0.63% i
Transaction costs also apply.
Find out more

Fees

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.

Learn more
about pensions

It's important you 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.

It's important you know

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.

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