See our personal pension options

You’ve seen how others your age are preparing for retirement, now it’s your turn.

Managed for you

Whatever planning for the future means to you, it’s easier with our Ready-Made Pension.

  • Investments designed and managed for you by our experts.
  • A simple and easy way to save for your retirement.
  • Straightforward and competitive fees.
Ready-Made Pension

Managed by you

Prefer to take the reins? With our Self-Invested Personal Pension (SIPP), you’re in control.

  • Choose and manage your investments from a wide range of options.
  • Start from as little as £1.
  • We cap our admin fee, leaving more money for your retirement.
Self-Invested Personal Pension

Pensions are a long-term investment. Their values can go up and down, so you might not get back as much as you put in.

Why choose Lloyds?

 
  • Trusted name — Lloyds, in partnership with Scottish Widows, supports millions across the UK.
  • No fuss —  apply in minutes, view and manage your pension anytime in our mobile app.
  • Straightforward fees — no surprises - just competitive pricing.
  • Flexible contributions — pay in regularly or top up when it suits you.
  • Transfer in old pensions — bring your pensions together for a clearer view of your retirement savings.

 

We're all part of Lloyds Banking Group, which incorporates many well-known companies including Halifax, Scottish Widows, Halifax Share Dealing Limited and Embark Investment Services Limited.

Our retirement partner for our pensions is Scottish Widows, who have more than 200 years' experience in pensions and retirement.

 

We're all part of Lloyds Banking Group, which incorporates many well-known companies including Halifax, Scottish Widows, Halifax Share Dealing Limited and Embark Investment Services Limited.

Our retirement partner for our pensions is Scottish Widows, who have more than 200 years' experience in pensions and retirement.

Got a workplace pension?

A workplace pension is a brilliant start

Your workplace pension is a key character in your retirement story — and it comes with a powerful plot twist, employer contributions.

Most employers match what you pay in — and some even go further. That’s extra money towards your future, and it can really stack up over time.

Make your workplace pension work for you

Your workplace pension isn’t just a box to tick — it’s a powerful tool in helping building a secure, comfortable future. With a few smart moves, you can turn it into a real asset that works hard while you do.

  • Make the most of employer contributions — many employers offer to match contributions, meaning they adds more when you do.
  • Review regularly — life changes, your pension should too. Check statements, update details, and fine-tune your investments.

Need help with planning smarter?

Are you self-employed?

We can support you with building your retirement savings, the same way you’ve built your business.

Are you self-employed?

We can support you with building your retirement savings, the same way you’ve built your business.

Self-employed pensions

Pension calculator

See what your retirement could look like and how small changes could make a difference over time with the easy-to-use calculator.

Try the calculator

Pension top tips

Stay on track and make the most of your pension with our top tips.

Read our tips

Pension tax relief

Make the most of tax relief on your pension contributions to boost your retirement savings.

About tax relief

Pension expert sessions

Become a pension pro in no time. Our experts are here to answer the most common pension questions.

Explore pension education

Any tax treatment depends on your personal circumstances and may change in the future.

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects the eligible money you hold with us.

More about the FSCS

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects the eligible money you hold with us.

More about the FSCS