# PensionBee: Combine Pensions — Combine Your Old Pensions > Online pension consolidation and management for retirement savings. (iPhone/iPad app by PensionBee.) - Source: https://appshunter.io/ios/app/pensionbee-combine-pensions/id1345490587 (this page in markdown: same URL + `.md`) - Developer: [PensionBee](https://appshunter.io/developer/1345471836) - Category: Finance - Price: Free - Rating: 4.76/5 from 8,777 App Store ratings · 120 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 60 MB - Languages: American English - Released: 2018-06-30 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pensionbee-combine-pensions/id1345490587/reviews.md ## What is PensionBee? Combine your old workplace pensions and SIPPs into a new online plan so you can save for a happy retirement. Capital at risk. Why choose PensionBee for your pensions? 1. A pension app built for the 21st century 2. Combine old pensions or start a self-employed one 3. Make contributions and withdrawals in our app or online - withdrawals from the age of 55 (57 from 2028) 4. Keep track of your pension balance 24/7 5. Award-winning customer service 6. Transparent - one simple annual fee 7. It’s easy to get started - sign up in the app. A pension app built for the 21st century • Avoid the paperwork - manage your pension through our app or website • We aim to make pensions easy to understand by avoiding jargon • Whether you have a workplace pension, own a limited company or are self-employed we can help you stay on top of your retirement savings • Transfer old workplace, personal pensions and SIPPs • An easy-to-understand online annual statement. Combine your old pensions or start a self-employed pension • Combine your pensions into one easy-to-manage pot • Avoid separate management fees when you combine pensions, pay just one simple annual fee • Self-employed and need a pension? Simply tap “Self-employed and don’t have a pension to transfer?” when signing up and adding a pension. You’ll then be able to open and add some money to your PensionBee account • Choose from six purpose-built pension plans, including our Climate Plan for those interested in sustainable investing. All are managed by some of the world’s largest and most experienced money managers. Switch plans at any time. Contributions and withdrawals in the app or online • Top-up your pension in just a few taps • We’ll automatically claim your 25% tax top-up from HMRC on eligible personal contributions • Make one-off or regular payments with no minimum contributions • Skip tedious paperwork by making withdrawals straight to your bank account digitally from the age of 55 (57 from 2028). Stay on top of your pension • Use our retirement planner to see what your retirement income could be and how much you need to save to reach your retirement goals • Check your pension balance and track its performance 24/7 • Keep track of any outstanding pension transfers. Friendly, award-winning customer service • Get human support with your very own UK-based account manager • We are on hand to look after you and your pension, from sign up to drawdown. Transparent - no hidden fees • Our plans have one simple annual fee ranging from 0.50% to 0.95%. We halve that fee on the portion of your pension over £100,000 • A withdrawal fee of £150 applies in certain circumstances; when accessing your pension within the first 12 months of being with us or if the value of your account’s less than £150 at the point of withdrawal • There’s also a 30-day cancellation policy, which means we’ll return your pensions to your old providers free of charge - assuming they’re willing to take them back. FSCS protected - up to 100% of value • FSCS protection for your savings in the unlikely event that we, or one of our money managers, fails. Due to the structure of our investments your pension savings are protected through a contract of long-term insurance up to 100% of their value once fully invested with us, unlike some providers where your pension’s only protected up to £85,000. It’s quick and easy to get started - sign up in the app • Sign up in minutes for free • Tell us about your pensions by sharing your provider name or policy number, then confirm your transfer • We’ll reach out to your provider to transfer your pension and keep you updated. PensionBee’s authorised and regulated by the Financial Conduct Authority (https://register.fca.org.uk/s/firm?id=001b000003LtjPQAAZ). Address: PensionBee, 209 Blackfriars Road, London, SE1 8NL As with any investment, the value of your PensionBee pension can go down as well as up and you may get back less than you started with. ## Key features - Combine old pensions and SIPPs - Manage contributions and withdrawals - Track pension balance 24/7 - Retirement planner - Transparent annual fees - Award-winning customer service ## What do users think of PensionBee? Overall sentiment: mixed **Pros** - 👍 Easy to use and intuitive interface - 💰 Low fees compared to traditional providers - 🔍 Clear visibility of pension funds in real-time - 🚀 Quick and seamless pension transfers - 📱 Simple app navigation and design - 🤝 Helpful and responsive customer service (Beekeepers) - 💡 Consolidates multiple pensions in one place - ✅ Transparent and ethical company values - 📊 Good investment returns for many users - 🎯 Excellent for self-employed pension setup **Cons** - 🐛 App crashes and freezes frequently - 🔐 Face ID authentication not working properly - ⏱️ Slow pension fund processing and transfers - 📵 App won't load or login loops - 🔧 Poor app maintenance and outdated design - 💸 High fees compared to some competitors - 📉 Poor investment performance for some users - 🚫 Difficult to cancel or transfer out - 📧 Inconsistent customer service responses - 🔒 Excessive privacy/tracking permissions required - ❌ No logout option in certain scenarios - 📱 Bottom navigation bar cut off on newer iPhones - ⚠️ Misleading about pension management requirements - 🔄 Frequent unnecessary app updates **Commonly reported bugs** - App hangs on Face ID check - Yellow screen freeze on login - Login perpetual loop after updates - Keyboard doesn't dismiss after login - App crashes during registration - Bank connection fails for fund transfers - Bottom toolbar cut off on newer iPhones - Retirement planner settings not saving - Accidental navigation when using sliders - Text overlap on valuation screens - Fingerprint login screen frozen - App crashes with long passwords - Image/documentation upload errors - Deadlock when discovering existing account during onboarding **Most requested features** - Home screen widgets - Dark mode option - Improved retirement planner functionality - Better support for accessibility (large text) - Ability to update personal details in app - In-app customer support/chat - Logout functionality - Beneficiary management on iPad - Better password autofill support - Improved performance graphs on mobile - Optional two-factor authentication - Better handling of multiple email addresses ## Recent user reviews (10 of 120) All indexed reviews: https://appshunter.io/ios/app/pensionbee-combine-pensions/id1345490587/reviews.md ### 2/5 — You need a Senior Product Manager to own the App! Poor App experience *2026-08-15* The PensionBee app used, to be simple and polished but since the latest update the UX/UI has taken a big step backwards. On iPhone the app doesn’t even properly fill the screen anymore, leaving huge unused areas and making the whole experience feel poorly optimised and unfinished. For a financial app, this doesn’t really signal quality and trust. Even though the functionality for managing my pension is there; visually it’s a mess, and ultimately puts me off using the app entirely. This is MVP at best. Please fix the iPhone layout and I will amend my score. From a final ai product perspective, PensionBee is a great service otherwise. Thumbs (nearly) up! ### 5/5 — Best Pension Option *2026-08-13* I was looking for a way to access my pension on my terms when I wanted to. Pension Bee has been absolutely superb at growing my pension as well As allowing me to access it at any time. Allowing me to see the growth in the app and withdrawing money as I wanted. Highly recommend. ### 4/5 — Simple *2026-08-12, version 2.5.5* I was nervous about using PensionBee initially. I thought it would be a complicated process, transferring my pensions but it was so simple and now I feel much not in control! ### 5/5 — Trustworthy *2026-08-09, version 2.5.3* I asked PensionBee to manage several small pensions I had from over the years and the financial performance of these has been truly outstanding ### 5/5 — Totally Awesome *2026-08-08, version 2.5.3* Since joining Pension Bee I control my pension access change improve my future everything in one place ### 5/5 — Better than expected *2026-08-08, version 2.5.3* Easy to use, haven’t even put regular payments in just as and when, but its gone up and up in total. Really pleased so far had it a couple of years ### 5/5 — Simply and effective *2026-08-07, version 2.5.3* Great system with perfectly transparent details shown about your pension pot on the app ### 5/5 — Transparent *2026-08-06, version 2.5.2* After having endured St James Place which did its upmost to make a meal out of my pension, PensionBee is modern, transparent, fast to respond. You know where your at. ### 5/5 — Slow approach getting large *2026-08-06, version 2.5.2* It’s not bad at all ### 5/5 — Fab *2026-08-06, version 2.5.2* Great service great help would recommend this 100% ## Frequently asked questions about PensionBee ### What does PensionBee do? PensionBee helps you combine your old workplace pensions and SIPPs into a single online plan. You can manage contributions, withdrawals, and track your pension balance 24/7 through their app or website, making retirement planning simpler. ### How do I combine my old pensions? Combining your pensions is easy and can be done within the app. You can transfer old workplace pensions, personal pensions, and SIPPs into one easy-to-manage pot, avoiding multiple management fees. ### What are the fees for using PensionBee? PensionBee has a transparent, simple annual fee ranging from 0.50% to 0.95%. This fee is halved on the portion of your pension over £100,000. A withdrawal fee of £150 may apply in specific circumstances. ### Can I make contributions and withdrawals? Yes, you can make contributions and withdrawals directly through the app or online. Withdrawals are available from age 55 (57 from 2028). You can also automatically claim a 25% tax top-up from HMRC on eligible personal contributions. ### Is PensionBee available on different devices? PensionBee is designed as a 21st-century pension app, meaning it's accessible through their mobile application. You can also manage your pension online via their website, offering flexibility in how you access your account. ## Version history (last 5 releases) ### 2.5.7 — 2026-08-25 We've refreshed the app! v2.0 is a major update for a more consistent experience across devices. It might take a moment to get used to, but comes with a range of benefits: - Unified UI: a more consistent experience across mobile and web - Transparency: clearer tracking of your transfers and withdrawals - Insights: better investment information and detail of how your pension is performing - Support: Livechat now in the app so you can get in touch with us easier - General app performance: quicker improvements and updates - Darkmode! We'd love your feedback: feedback@pensionbee.com ### 2.5.6 — 2026-08-22 We've refreshed the app! v2.0 is a major update for a more consistent experience across devices. It might take a moment to get used to, but comes with a range of benefits: - Unified UI: a more consistent experience across mobile and web - Transparency: clearer tracking of your transfers and withdrawals - Insights: better investment information and detail of how your pension is performing - Support: Livechat now in the app so you can get in touch with us easier - General app performance: quicker improvements and updates - Darkmode! We'd love your feedback: feedback@pensionbee.com ### 2.5.5 — 2026-08-12 We've refreshed the app! v2.0 is a major update for a more consistent experience across devices. It might take a moment to get used to, but comes with a range of benefits: - Unified UI: a more consistent experience across mobile and web - Transparency: clearer tracking of your transfers and withdrawals - Insights: better investment information and detail of how your pension is performing - Support: Livechat now in the app so you can get in touch with us easier - General app performance: quicker improvements and updates - Darkmode! We'd love your feedback: feedback@pensionbee.com ### 2.5.4 — 2026-08-10 We've refreshed the app! v2.0 is a major update for a more consistent experience across devices. It might take a moment to get used to, but comes with a range of benefits: - Unified UI: a more consistent experience across mobile and web - Transparency: clearer tracking of your transfers and withdrawals - Insights: better investment information and detail of how your pension is performing - Support: Livechat now in the app so you can get in touch with us easier - General app performance: quicker improvements and updates - Darkmode! We'd love your feedback: feedback@pensionbee.com ### 2.5.3 — 2026-08-07 We've refreshed the app! v2.0 is a major update for a more consistent experience across devices. It might take a moment to get used to, but comes with a range of benefits: - Unified UI: a more consistent experience across mobile and web - Transparency: clearer tracking of your transfers and withdrawals - Insights: better investment information and detail of how your pension is performing - Support: Livechat now in the app so you can get in touch with us easier - General app performance: quicker improvements and updates - Darkmode! We'd love your feedback: feedback@pensionbee.com ## More apps by PensionBee - [PensionBee: Roll over 401(k)s](https://appshunter.io/ios/app/pensionbee-roll-over-401ks/id6670795071) All apps by PensionBee: https://appshunter.io/developer/1345471836 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*