Important: With investment, your capital is at risk. Pensions can go down in value as well as up, so you could get back less than you invest.

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Simple set up

Signing up takes minutes, so you can get back to running your business

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Flexible contributions

Pay into your pension according to your current income

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Just one fair fee

Our fees range between just 0.50% and 0.95%, depending on your plan*

icon of phone with tick marks

Simple set up

Signing up takes minutes, so you can get back to running your business

a graph with money behind it

Flexible contributions

Pay into your pension according to your current income

a handshake

Just one fair fee

Our fees range between just 0.50% and 0.95%, depending on your plan*

Join PensionBee today by transferring your old pensions into one simple online plan, or start a new pension with us if you’ve never saved before. All you need to do is set up a contribution to get started.

* Unlike other providers who can charge you platform fees, underlying fund fees and ongoing advice costs, all you’ll pay with PensionBee is an all-in annual fee. If your pension pot size is larger than £100,000 we'll also halve the fee on the portion of your savings over this amount. Find out more on our fees page.

Why start a self-employed pension?

While the vast majority of employees are paying into a pension, amongst self-employed workers the figure is only 24%

This means that many self-employed people may struggle to make ends meet in later life, as the maximum State Pension is currently only £175.20 a week (2020/21), and the State Pension age is rising.

Not only is pension saving an important consideration if you’re self-employed, but pensions come with some unique benefits, including:

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As a sole trader you get a 25% tax top up from the government which applies to most personal pension contributions, so if you pay in £100 the government effectively adds £25 to your pension. If you’re the director of a limited company, contributions you make from your company can generally be treated as an allowable business expense, and offset against your company’s corporation tax bill.

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Good pension plans give you low-cost access to professional investment managers who invest your money in a range of assets, which is a sensible way of managing risk.

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If you die before the age of 75, your pension can usually be passed on to your beneficiaries as a lump sum without tax deductions.

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Pension freedom rules mean that once you reach the age of 55 you’ve got more choice over what you do with your pension savings, including taking up to 25% as a lump sum without paying tax.

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Get all these benefits and more with PensionBee

Sign up today
4.7

Out of 5 on Trustpilot

314k

Customers

2014

Year founded

314k

Customers

4.7

Out of 5 on Trustpilot

2014

Year founded

Have a question? Call our UK team 020 3457 8444

Have a question?

Call our UK team

020 3457 8444

Monday-Wednesday 9:30am-6pm, Thursday-Friday 9:30am-5pm

Monday-Wednesday 9:30am-6pm
Thursday-Friday 9:30am-5pm