PensionBee was founded in 2014 with the goal of simplifying retirement savings, following our CEO Romi Savova's frustrating transfer experience, navigating outdated systems, high fees and complex paperwork. Drawing on her background in financial services, she turned that experience into inspiration, and PensionBee was born as a company committed to making retirement planning simple and stress-free for everyone. Today, over a decade later, PensionBee's customer-centric approach continues to be driven by our vision of a world where everyone can enjoy a happy retirement and our mission to build retirement confidence.
We work to make our vision a reality for our customers through the elements of financial freedom, good health and social inclusion, which we believe should ultimately lead to better retirement outcomes for our customers.
We help our customers take control of their finances and fight for their rights as savers.
We act to prevent our customers' investments from damaging their health, so they can enjoy bigger retirement savings for longer.
We support savers from all social backgrounds and aim to address financial inequality wherever it exists.
By modernising retirement savings, we have created a better experience for everyday savers, empowering them to build, manage and take control of their retirement savings. Guided by our mission, we put customer needs at the heart of our strategy and business roadmap.
We serve our customers and each other with care, warmth and respect.
We are open, authentic and accountable.
We lead with vision, embrace change and create positive impact.
We deliver excellence through accuracy, security and reliability.

We provide clarity in a world of complexity.
We enable our customers to combine their old retirement accounts and transfer them into a brand new PensionBee plan in a few easy steps.
Once their accounts are consolidated, they can easily manage their new account online and track their balance in real time via our website or app.
We have made it simple for customers to contribute into their retirement account and grow their savings for a happy retirement.
Whether it’s a single or regular contribution, customers can complete the process with a simple bank transfer in under 60 seconds. Self-employed customers can also open a new retirement account without needing to transfer any existing accounts.
For our customers nearing retirement, we’ve streamlined the process, allowing them to easily withdraw funds with just a few clicks.
We enable retirees to set up regular payments, creating a salary throughout retirement. Alongside our Retirement Planner, we’ve developed innovative tools to give customers peace of mind, knowing they can plan effectively for their future.
PensionBee has been recognised for bringing our customers the best value for money, the best app, the best offering and the best SIPP.




Brand. Our powerful consumer brand builds trust to capture the mass market.
Technology. Our proprietary scalable technology distinguishes our customer experience.
Culture. Our culture prioritises wellbeing to drive performance.
Our strategic objective is to be the world’s best online retirement savings provider. In a retirement landscape often characterised by complexity, limited clarity and barriers to engagement, we continue to focus on the strategic foundation of our competitive advantage through our Brand, Technology and Culture. As we continue to scale our operations across the UK and in the US, this strategic framework allows us to maintain focus, agility and operational excellence.
We believe that our powerful consumer brand creates the trust necessary for a lifelong relationship, while our proprietary technology delivers the delightful simplicity and efficiency required to manage retirement savings for the mass market in a digital age. This entire ecosystem is powered by a high-performance Company culture that prioritises wellbeing, ensuring that our global team remains motivated to deliver world-class outcomes.
In 2024, we expanded to the US and are progressing our plans to help millions of US consumers enjoy a happy retirement.
We operate in an enormous global market opportunity with over $30 trillion of Defined Contribution retirement assets. The UK and US together account for more than 85% of global DC retirement assets, with the UK comprising approximately £1.5tn and the US approximately $29tn. In the UK, approximately 28m adults hold DC retirement savings, and 90% of individuals with retirement savings hold less than £100,000.
We have a straightforward and predictable business model: driving recurring revenue by growing our customer base and their retirement account balances, while maintaining cost efficiency through our scalable technology platform.
Strong customer and AUA retention rates, consistently above 95% since inception, demonstrate the durability of these relationships and the strength of our lifetime proposition.
Our impact is delivered by a global team of more than 200 professionals, intentionally structured to support our international ambitions while maintaining a unified identity across our expanding operations in the US and Latin America, where we continue to grow our engineering presence. By the end of 2025, PensionBee had a total global workforce of 215 individuals.
We recognise that our people are the central driver of our excellent customer outcomes. By investing in their wellbeing, we ensure they are equipped to deliver world-class service and sustainable growth. Our global diversity strengthens our ability to transform the retirement landscape.