Penfold is the modern pensions app built to make saving simple. Penfold is easy to use, flexible and removes the pain of saving for life after work. Automatically enjoy a 25% top up on everything you save, directly from the government.

Our motto is: forget the future. Take care of your pensions the easy way and get back to what really matters. Living today.

Whether you’re a full-time worker, self-employed, run a company, side-hustle or just want to bring your pension pots together - Penfold is the pension designed for today. Here’s why:

- Penfold takes just 5 minutes to set up. Once you’re done, the rest is a doddle. Track, manage and pause your contributions in a few quick taps. No more nagging worries about your pensions.

- As a wise man once said, life is what happens while you’re busy making other plans. That’s why Penfold is the flexible pension. No minimum monthly contributions. Top-up, change, or pause payments at any time - instantly and online.

- Lost track of old pension pots? We’ll help you combine all your old workplace or private pensions into one, easy to manage pot. Just tell us the name of your policy number or the name of your old employer, we’ll do the rest. Finally, a simple way to keep all your pensions together.

- Pick your perfect pension plan. Choose from 4 different risk levels plus our sustainable and shariah funds. Switch pension plans at any time.

- Pensions can be confusing, so our friendly team of experts are on hand to help. We’re happy to answer all your questions via chat in our app, email, or over the phone.

- Your savings are safe, secure and FSCS protected. Our pension is regulated by the FCA and your money is managed by the largest money manager in the world, Blackrock.

- Penfold has no hidden charges, exit or transfer fees, plus we’ll combine all your old pensions for free. We charge a low annual fee of 0.75% of your pension pot. This reduces to 0.4% on balances over £100k.

Penfold is authorised and regulated by the Financial Conduct Authority. With pensions, your capital is at risk and the value of your investment can go down as well as up. You may get back less than you started with.