Pensions By Penfold vs Bright Capture

Feel empowered by your pension with Penfold’s intuitive interface, powerful tools and friendly customer service. We make pensions easy so you can have confidence about life after work. Capital at risk. Get started in under 5 minutes • Create an account with an email and password • Enter some details like your name and address • Transfer an old pension or pay in some cash • All done! Complete access to a modern pension Transfer your pensions for free • Combine old workplace and private pensions • Enter a few details about your old pension in-app • Our transfer specialists do the paperwork for you • Get transfer progress updates on your dashboard It's important to compare providers’ fees and any guaranteed benefits when deciding on whether to transfer, and be sure that the investments available are suitable for you. If your employer is paying into your pension currently, transferring that pot may mean you lose out on their contribution. Track down lost pensions • Use our in-app Find My Pension tool • Simply enter your previous employer’s name • We’ll tell you the provider and contact details Completely flexible pension contributions • No minimum monthly contribution amount • Set up recurring or make one-off payments • Easily top-up, adjust and stop your contributions • Receive a 25% tax relief top-up automatically Switch pension investment fund any time • Lifetime: Automatically adjusts risk level over time • Standard: Choose your preferred risk level • Sustainable: Invest in high ESG rated companies • Sharia: Investments approved by a Sharia board Low pension fees and no hidden charges • An annual fee of 0.4% to 0.88% depending on your investment fund and account balance • No charges for anything else including exits, transfers and drawdown Friendly, expert pension service • Our UK-based team are on hand to support you • Ask questions via in-app chat, email, or phone • No waiting lines, call centres or jargon! Securing your pension savings • Investments are managed by the largest money managers in the world - BlackRock and HSBC • We safeguard your data with the most up-to-date security technology and strictly comply with GDPR Penfold are part of the Financial Services Compensation Scheme (FSCS) as well as being authorised and regulated by the Financial Conduct Authority (FCA).

BrightCapture Mobile is the companion app for BrightCapture users, designed to help accountants and their sole trader clients stay on top of MTD for Income Tax records throughout the year. Capture invoices and receipts on the go and send them straight to your accountant, where they're processed in BrightCapture, with data extracted and VAT split automatically. The data is then posted into BrightBooks ready for your quarterly MTD updates. What you can do: Photograph invoices, receipts, and expense documents and send them straight to your accountant. Not ready to submit? Save as a draft and come back to it later. Track everything you've sent in one place, so your records are always up to date. Getting started: You will be required to sign in with your email address and password. Contact your accountant if you don't know your login details or have not yet received an invitation. Once signed in, you can capture and submit documents immediately. All processing happens in your accountant's BrightCapture account. About your data: The app collects the document images you capture and metadata about your submissions (timestamps, document types, recipient). For full details on how your data is handled, see our privacy notice at https://brightsg.com/en-gb/privacy-notice