CINXE.COM

<!DOCTYPE html><html lang="en-GB" dir="ltr" data-testid="v2" class="ds-v2"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, height=device-height, initial-scale=1, maximum-scale=5"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><link rel="shortcut icon" type="image/png" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/favicon.87a9df8c.png"/><title>Monzo Pensions | A New Home for Your Old Pension</title><link rel="icon" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/favicon.87a9df8c.png" sizes="any"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><meta name="theme-color" content="#112231"/><meta property="og:site_name" content="Monzo"/><meta property="og:type" content="website"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><meta name="format-detection" content="telephone=no"/><meta property="og:title" content="Monzo Pensions | A New Home for Your Old Pension"/><meta property="og:description" content="We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money. Register for updates now."/><meta property="og:locale" content="en-GB"/><meta property="og:url" content="https://monzo.com/pensions"/><meta property="og:image" content="https://images.ctfassets.net/ro61k101ee59/ArvIukcwtj3p9moe3ShW8/4ab240c614366205ce0b1eb20aad3242/image__49_.png"/><meta property="twitter:description" content="We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money. Register for updates now."/><meta property="twitter:url" content="https://monzo.com/pensions"/><meta property="twitter:card" content="summary_large_image"/><meta property="twitter:site" content="@monzo"/><meta property="twitter:description" content="We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money. Register for updates now."/><meta property="twitter:site_name" content="Monzo"/><meta property="twitter:image" content="https://images.ctfassets.net/ro61k101ee59/ArvIukcwtj3p9moe3ShW8/4ab240c614366205ce0b1eb20aad3242/image__49_.png"/><link rel="manifest" href="/manifest.json"/><link rel="canonical" href="https://monzo.com/pensions" data-testid="canonical"/><meta name="description" content="We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money. Register for updates now."/><script async="" src="https://www.googletagmanager.com/gtag/js?id=G-HYTMWBVCZY&l=monzo_dl"></script><script> window.monzo_dl = window.monzo_dl || []; function monzo_gtag(){monzo_dl.push(arguments);} window.monzo_gtag = monzo_gtag; // Set default consent state monzo_gtag('consent', 'default', {"ad_storage":"denied","ad_user_data":"denied","ad_personalization":"denied","analytics_storage":"denied"}); // Initialize GA4 monzo_gtag('js', new Date()); monzo_gtag('set', 'ads_data_redaction', false); monzo_gtag('set', 'url_passthrough', true); monzo_gtag('config', 'G-HYTMWBVCZY', { allow_enhanced_conversions: true }); </script><meta name="next-head-count" content="29"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><meta name="format-detection" content="telephone=no"/><meta name="theme-color" content="#112231"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@monzo"/><link rel="manifest" href="/manifest.json"/><link rel="stylesheet" href="/static/css/base.css"/><link rel="preload" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/css/e6bfe633147db514.css" as="style" crossorigin="anonymous"/><link rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/css/e6bfe633147db514.css" crossorigin="anonymous" data-n-g=""/><link rel="preload" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/css/4993b57d4b5e4aa7.css" as="style" crossorigin="anonymous"/><link rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/css/4993b57d4b5e4aa7.css" crossorigin="anonymous" data-n-p=""/><link rel="preload" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/css/f511ccd3fc572cb3.css" as="style" crossorigin="anonymous"/><link rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/css/f511ccd3fc572cb3.css" crossorigin="anonymous" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" crossorigin="anonymous" nomodule="" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/polyfills-42372ed130431b0a.js"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/webpack-3a04a2ab65f7f2f9.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/framework-838c6ca2253d4294.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/main-72b71ec885c3d698.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/pages/_app-8304ad01312790b4.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/4542-be77addde76d86b9.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/525-d36ce7e5e6293ea9.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/5033-ca6dd7b86428f5e6.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/chunks/pages/%5B...dynamic%5D-9c1919ff9e713b32.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/NDyvg1of-74OxLMjha45W/_buildManifest.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/NDyvg1of-74OxLMjha45W/_ssgManifest.js" defer="" crossorigin="anonymous"></script></head><body data-whatpersist="false"><script> const queryParams = new URLSearchParams(location.search); const theme = queryParams.get('theme'); const view = queryParams.get('view'); if (theme === 'dark') document.body.classList.add('dark-theme'); if (view === 'app') document.body.classList.add('webview--app'); </script><div id="__next"><header class="HeaderVariant_header__M43dc" data-experiment-reorder="true"><a class="HeaderVariant_skipToContent__gKtbS" href="#mainContent" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Skip to Content&url=#mainContent&currentUrl=/pensions">Skip to Content</a><div class="HeaderVariant_headerContainer__yB1yF"><div class="HeaderVariant_headerLogoContainer__k3fGL"><a class="Button_button__OFOdO Button_none__lgccr Button_center__lDq2_ HeaderVariant_logoLink___LBJB" data-monzoanalytics-no-tracking="true" role="link" target="_self" rel="" aria-label="Monzo Bank Homepage" tabindex="0" href="/"><span aria-hidden="true"><span class="Button_text__S2FJ_"><div class="HeaderVariant_logoImageContainer__HlZzw"><svg viewBox="0 0 112 21"><path fill="currentColor" d="M0 19.3V.7h4.958v2.493a5.505 5.505 0 0 1 5.063-2.84 5.671 5.671 0 0 1 5.166 2.98c1.941-2.045 3.432-2.98 5.756-2.98 4.195 0 6.553 2.354 6.553 6.686V19.3h-5.34V9.222c0-2.598-.554-3.776-2.6-3.776-2.08 0-3.19 1.281-3.19 3.776V19.3h-5.374V9.222c0-2.598-.555-3.776-2.601-3.776-2.08 0-3.19 1.281-3.19 3.776V19.3H0ZM33.82 3.124a9.832 9.832 0 0 1 16.816 6.76 9.47 9.47 0 0 1-2.808 6.997 9.655 9.655 0 0 1-7.074 2.91 9.208 9.208 0 0 1-7.038-2.98 9.716 9.716 0 0 1-2.74-6.859 9.528 9.528 0 0 1 2.844-6.828Zm6.969 11.467a4.6 4.6 0 0 0 4.387-2.701 4.59 4.59 0 0 0-3.234-6.381 4.602 4.602 0 0 0-4.776 1.933 4.592 4.592 0 0 0-.78 2.577 4.487 4.487 0 0 0 4.403 4.572ZM54.118 19.3V.7h5.2l-.068 2.494a5.788 5.788 0 0 1 5.34-2.84c3.848 0 6.344 2.424 6.344 6.685V19.3h-5.478V9.222c0-2.598-.555-3.776-2.67-3.776-2.15 0-3.294 1.281-3.294 3.776V19.3h-5.374ZM94.18 3.122A9.832 9.832 0 0 1 104.835.916a9.822 9.822 0 0 1 6.16 8.965 9.47 9.47 0 0 1-2.808 6.997 9.664 9.664 0 0 1-7.074 2.91 9.208 9.208 0 0 1-7.038-2.98 9.716 9.716 0 0 1-2.74-6.858 9.529 9.529 0 0 1 2.843-6.828Zm6.97 11.467a4.602 4.602 0 0 0 4.387-2.702 4.59 4.59 0 0 0-.879-5.073 4.598 4.598 0 0 0-5.04-1.073 4.598 4.598 0 0 0-2.871 4.276 4.488 4.488 0 0 0 4.403 4.572ZM74.926 19.3V15.42l7.663-9.91h-7.663V.699h13.835v4.4l-6.762 9.388h6.9v4.812H74.927Z"></path></svg></div></span></span></a></div><div class="HeaderVariant_headerNavigationContainer__1NPta"><nav aria-label="Main" data-orientation="vertical" dir="ltr" data-testid="" class="Navigation_navigation__MiBte" data-toplevel-id="" data-subitem-id=""><div aria-hidden="true" class="NavigationSEORenderer_navigationSEORenderer__udHb5" data-testid="seo-navigation-renderer"><ul><li data-testid="seo-navigation-renderer-top-level-item"><h2>Personal</h2><ul><li data-testid="seo-navigation-renderer-landmark"><h3>Current accounts</h3><p>It all starts with our personal current account</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/personal" data-monzoanalytics-no-tracking="true">Personal account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/joint-account" data-monzoanalytics-no-tracking="true">Joint account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/under-16s" data-monzoanalytics-no-tracking="true">Under 16s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/16-17" data-monzoanalytics-no-tracking="true">16-17s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account" data-monzoanalytics-no-tracking="true">See all current accounts</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Plans</h3><p>Upgrade your personal account from £3 a month</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/plans" data-monzoanalytics-no-tracking="true">Compare plans</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Why Monzo?</h3><p>Bank on an award-winning app</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/pots" data-monzoanalytics-no-tracking="true">Save with Pots</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/cashback" data-monzoanalytics-no-tracking="true">Earn cashback</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/travel" data-monzoanalytics-no-tracking="true">Travel without fees</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/shared-tabs-more" data-monzoanalytics-no-tracking="true">Spend with friends</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/get-paid-early" data-monzoanalytics-no-tracking="true">Get paid early</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/security" data-monzoanalytics-no-tracking="true">Protect your money</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/see-your-mortgage" data-monzoanalytics-no-tracking="true">Connect your mortgage</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/refer-a-friend" data-monzoanalytics-no-tracking="true">Refer a friend</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Savings</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings">Saving with Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings/instant-access">Instant access savings</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Investments and pensions</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/investments">Investments</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/pensions">Pensions</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Credit cards and loans</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex">Flex Purchase credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex-build">Flex Build credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/loans">Loans</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/overdrafts">Overdrafts</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Help and support</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help">Help centre</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/security">Security at Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/fraud">Staying safe from fraud</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/money-worries">Support with money worries</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switching to Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-plus">Plus help</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-premium">Premium help</a></li></ul></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switch to Monzo</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h2>Business</h2><ul></ul></li></ul></div><div class="HeaderVariant_headerNavigationExtras__fnwGF"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ NavigationPrimaryCTA_navigationPrimaryCTA__4GFHH HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Sign up"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div><div style="position:relative"><ul data-orientation="vertical" class="NavigationTopLevelItems_navigationTopLevelItemsList__fJhlK" dir="ltr"><li class="NavigationTopLevelItems_navigationTopLevelItem__bhgjl NavigationTopLevelItems_isMobileVisible__J__pz"><button data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=navigation top level item&link_text=Open Personal navigation&link_location=header - Level 1&currentUrl=/pensions" id="radix-:Ra9b6:-trigger-personal" data-state="closed" aria-expanded="false" aria-controls="radix-:Ra9b6:-content-personal" class="NavigationTopLevelItems_navigationTopLevelItemTrigger__hezLF" aria-label="Open Personal navigation" data-radix-collection-item=""><div class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="personal-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.5 10.833c3.606 0 6.544 2.149 6.663 4.832l.003.168c0 .92-.746 1.667-1.666 1.667h-10c-.92 0-1.667-.746-1.667-1.667 0-2.761 2.985-5 6.667-5Zm0-8.333a3.333 3.333 0 1 1 0 6.667 3.333 3.333 0 0 1 0-6.667Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Personal</span><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg width="1em" height="1em" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M15.88 9.29006L12 13.1701L8.11998 9.29006C7.72998 8.90006 7.09998 8.90006 6.70998 9.29006C6.31998 9.68006 6.31998 10.3101 6.70998 10.7001L11.3 15.2901C11.69 15.6801 12.32 15.6801 12.71 15.2901L17.3 10.7001C17.69 10.3101 17.69 9.68006 17.3 9.29006C16.91 8.91006 16.27 8.90006 15.88 9.29006Z" fill="currentColor"></path></svg></div></div></button><div class="NavigationTopLevelItems_navigationTopLevelToggleContainer__ag2Yv" role="button" tabindex="0" aria-label="Toggle Personal navigation menu"><div class="MobileNavigationToggle_mobileNavigationToggle__4Z_F_ MobileNavigationToggle_onWhite__tdPhh"><div class="MobileNavigationToggle_mobileNavigationToggleContent__sUo9Z"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24"><path fill="currentColor" d="M4 18h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1Zm0-5h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1ZM3 7c0 .55.45 1 1 1h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1Z"></path></svg></div></div></div></li><li><a class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Business&link_location=header - Level 1&link_type=navigation&url=/business-banking&currentUrl=/pensions" href="/business-banking"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="business-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.834 1.667a2.5 2.5 0 0 1 2.495 2.353l.005.147V5h.833v12.5H5.834V5h.833v-.833A2.5 2.5 0 0 1 9.02 1.67l.147-.004h1.667ZM4.167 5v12.5h-.833c-.92 0-1.667-.746-1.667-1.667V6.667c0-.92.746-1.667 1.667-1.667h.833Zm11.667 0h.833c.92 0 1.667.746 1.667 1.667v9.166c0 .92-.747 1.667-1.667 1.667h-.833V5Zm-5-1.667H9.167a.834.834 0 0 0-.828.737l-.005.097V5h3.333v-.833a.833.833 0 0 0-.833-.834Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Business</span></a></li></ul></div></nav></div><div class="HeaderVariant_mobilePrimaryCTAExperiment__gNqIQ"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Open a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="HeroBanner_hero__8Phzz"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderRight__au5W_ Block_orderBottom__pqOc1 Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="HeroBanner_heroMedia__1nKQ8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/6CQzT4ACCzABJ7w58Y7YNM/1bd03383fd23045027b7b926560b091a/image__47_.png?w=2400&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/6CQzT4ACCzABJ7w58Y7YNM/1bd03383fd23045027b7b926560b091a/image__47_.png?w=2400&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/6CQzT4ACCzABJ7w58Y7YNM/1bd03383fd23045027b7b926560b091a/image__47_.png?w=2400&q=75" alt="" width="6241" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderLeft__kf4S1 Block_orderTop__qlV9j Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE HeroBanner_heroBannerBlockContent__stdAX"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h1 class="Title_title__6QR87 Title_coral__VkIrk text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="a-new-home-for-your-old-pensions">A new home for your old pensions</h1><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money.</p></div><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Available to all customers soon.</p></div></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" tabindex="0" href="https://monzo.com/-deeplinks/pension"><span class="Button_text__S2FJ_">Register for updates</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_legalText__DQPp3"><p>The value of your pension could go up or down and you could get back less than you put in. You need a free <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/current-account"><span class="Button_text__S2FJ_">Monzo current account</span></a> to open a Monzo Pension. 18-70 years old only. UK residents only. Ts&Cs apply.</p></div></div><section class="Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalNone__oOOVI Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><ul class="LogoList_LogoList__jt7uX LogoList_desktopHorizontalLeft__6DJpE LogoList_mobileHorizontalLeft__WtGoC LogoList_marginMedium__R6FwZ LogoList_noWrap__Os0R1"><li><img class="Logo_Logo__DhKh1 Logo_large__x0lmA" src="https://images.ctfassets.net/ro61k101ee59/4UDZTOM807ySkSj3e2uMRa/6aa1a1c51f35310e6ca929e8c375cf73/BBA_Winner_White_300dpi_Best_banking_app.png" alt="Best Banking App Award 2023"/></li><li><img class="Logo_Logo__DhKh1 Logo_large__x0lmA" src="https://images.ctfassets.net/ro61k101ee59/70DYWtGzt1xvXOkYjFMJfy/a51745afec73eebea3489a674eaa23b3/FSCS-lightmode.svg" alt="Financial Services Compensation Scheme Protected"/></li></ul></div></div></div></section></div></div></div></div></div></div></div></section><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa"><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopmedium__YYeop Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopmedium__YYeop Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_center__fqUI_ Title_marginBottom__TiQqA" id="combine-pensions-the-simple-way">Combine pensions the simple way</h2></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_image__tqzv7 Card_imageAsLargeIcon__Z38tB Card_imageAspectRatio__WaJci"><picture><img src="https://images.ctfassets.net/ro61k101ee59/34MnykzocvUEywo7P7byIS/47b4a98683fec04368d0a25caf843f8f/Where-you-worked-and-when_white_w560_03.gif?w=560&q=75" alt="" width="560" loading="lazy"/></picture></div><div class="Card_titleContainer__bkMxU"><h3 class="Card_title__2ya4E">Tell us where you worked and when</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>That's all we need to get started. But it's quicker if you know more.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_image__tqzv7 Card_imageAsLargeIcon__Z38tB Card_imageAspectRatio__WaJci"><picture><img src="https://images.ctfassets.net/ro61k101ee59/47kt5FyfNYhDcKdKYgRW0A/3b2155d8f4c9c32170904e6663358a5f/We-do-the-magic-of-finding_white_w560_03.gif?w=560&q=75" alt="" width="560" loading="lazy"/></picture></div><div class="Card_titleContainer__bkMxU"><h3 class="Card_title__2ya4E">Leave the detective work to us</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>We'll do some digging to find your pensions.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_image__tqzv7 Card_imageAsLargeIcon__Z38tB Card_imageAspectRatio__WaJci"><picture><img src="https://images.ctfassets.net/ro61k101ee59/7odOSts9HLcMwWWziF3YPl/e3bf1b4794272ad984be4e732c1918f0/We-ve-found-them-and-are-combining-them_white_w560_04.gif?w=560&q=75" alt="" width="560" loading="lazy"/></picture></div><div class="Card_titleContainer__bkMxU"><h3 class="Card_title__2ya4E">Get a clear picture of your future</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>Once we find and combine your pensions, you'll see them as one.</p></div></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><img src="https://images.ctfassets.net/ro61k101ee59/7F1fcTHEwd375hX4nJmqEW/6f4445630e3ea3f031b47af95aa0e927/Education_carousel_white_w560_3.gif?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="make-pensions-less-puzzling">Make pensions less puzzling</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Our bite-sized lessons break down pensions for you. Each one is only around 90 seconds, but packed full of key info to help you understand more about your future money. Find them in the app.</p></div></div></div><div class="ButtonContainer_buttonContainer__CJDVB"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/-deeplinks/pension"><span class="Button_text__S2FJ_">Register for updates</span></a></div></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Showcase_showcase__zv9DE Showcase_top-and-bottom-horizontal__v3Gh_"><a class="ShowcaseItem_showcaseItem__zivVf top-and-bottom-horizontal ShowcaseItem_coral__WZozY ShowcaseItem_forceDarkMode__rqGN7 ShowcaseItem_isClickable__1gJFZ" aria-label="Open modal Smart enough to change as you do" data-testid="showcase-item" href="#" role="button" data-monzoanalytics-no-tracking="true"><div class="ShowcaseItem_showcaseItemContent__qTZ8F"><div class="ShowcaseItem_showcaseItemHeader__D8o6T ShowcaseItem_headerTitle-large__X92W5"><h4 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="smart-enough-to-change-as-you-do">Smart enough to change as you do</h4></div></div><div class="ShowcaseItem_showcaseItemAsset__y8Rg_ ShowcaseItem_image-right__9L_YK"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/4mcdsnfUKHG5UIYwKUtcqX/cb673117a26806a69f2ce77e88612425/Graph_average_spend_01__2_.png?w=708&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/4mcdsnfUKHG5UIYwKUtcqX/cb673117a26806a69f2ce77e88612425/Graph_average_spend_01__2_.png?w=708&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/4mcdsnfUKHG5UIYwKUtcqX/cb673117a26806a69f2ce77e88612425/Graph_average_spend_01__2_.png?w=708&q=75" alt="" width="708" loading="lazy"/></picture></div><div class="ShowcaseItem_showcaseIconContainer__RsW1C"><img class="undefined Icon_icon__Haypr Icon_large__McJOc" src="/images/icons/dark/expand.svg" aria-hidden="true" alt="" loading="lazy"/></div></a><a class="ShowcaseItem_showcaseItem__zivVf top-and-bottom-horizontal ShowcaseItem_paleTeal__e3Cil ShowcaseItem_forceDarkMode__rqGN7 ShowcaseItem_isClickable__1gJFZ" aria-label="Open modal Know your money's in good hands" data-testid="showcase-item" href="#" role="button" data-monzoanalytics-no-tracking="true"><div class="ShowcaseItem_showcaseItemContent__qTZ8F"><div class="ShowcaseItem_showcaseItemHeader__D8o6T ShowcaseItem_headerTitle-medium__ysj2U"><h4 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="know-your-moneys-in-good-hands">Know your money's in good hands</h4></div></div><div class="ShowcaseItem_showcaseItemAsset__y8Rg_ ShowcaseItem_image-center__JzLYb"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/56DchYWbxiLYrQb1e3wlam/130aa7ad7a63983acd0add24cf68ae3e/image__44_.png?w=1180&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/56DchYWbxiLYrQb1e3wlam/130aa7ad7a63983acd0add24cf68ae3e/image__44_.png?w=1180&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/56DchYWbxiLYrQb1e3wlam/130aa7ad7a63983acd0add24cf68ae3e/image__44_.png?w=1180&q=75" alt="" width="1180" loading="lazy"/></picture></div><div class="ShowcaseItem_showcaseIconContainer__RsW1C"><img class="undefined Icon_icon__Haypr Icon_large__McJOc" src="/images/icons/dark/expand.svg" aria-hidden="true" alt="" loading="lazy"/></div></a><a class="ShowcaseItem_showcaseItem__zivVf top-and-bottom-horizontal ShowcaseItem_primary__dkhVt ShowcaseItem_forceDarkMode__rqGN7 ShowcaseItem_isClickable__1gJFZ" aria-label="Open modal No hidden fees, ever" data-testid="showcase-item" href="#" role="button" data-monzoanalytics-no-tracking="true"><div class="ShowcaseItem_showcaseItemContent__qTZ8F"><div class="ShowcaseItem_showcaseItemHeader__D8o6T ShowcaseItem_headerTitle-large__X92W5"><h4 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="no-hidden-fees-ever">No hidden fees, ever</h4></div></div><div class="ShowcaseItem_showcaseItemAsset__y8Rg_ ShowcaseItem_image-center__JzLYb"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/3JZNV3smbQ1XTnsadyr5qH/9cf25920b0c55afd22d1dce40f5926bb/image__45_.png?w=1180&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/3JZNV3smbQ1XTnsadyr5qH/9cf25920b0c55afd22d1dce40f5926bb/image__45_.png?w=1180&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/3JZNV3smbQ1XTnsadyr5qH/9cf25920b0c55afd22d1dce40f5926bb/image__45_.png?w=1180&q=75" alt="" width="1180" loading="lazy"/></picture></div><div class="ShowcaseItem_showcaseIconContainer__RsW1C"><img class="undefined Icon_icon__Haypr Icon_large__McJOc" src="/images/icons/dark/expand.svg" aria-hidden="true" alt="" loading="lazy"/></div></a></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/1uM92kCk0Zb5HrtL1wWW6A/cd2cfc6ce93537724f6386b869e435f5/image__43_.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/1uM92kCk0Zb5HrtL1wWW6A/cd2cfc6ce93537724f6386b869e435f5/image__43_.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/1uM92kCk0Zb5HrtL1wWW6A/cd2cfc6ce93537724f6386b869e435f5/image__43_.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="your-guide-to-self-invested-personal-pensions-sipps">Your guide to self-invested personal pensions (SIPPs)</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>A Monzo Pension is a self-invested personal pension (or a SIPP). This guide breaks down the things you need to know about a SIPP, and more importantly the SIPP you can open with us - what it is, who it's for, rules around SIPPs, plus so much more.</p></div></div></div><div class="ButtonContainer_buttonContainer__CJDVB"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/blog/guide-to-self-invested-personal-pensions" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Learn more</span></a></div></div></div></div></div></div></div></section></div><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/26a5MYV2xbSfAxKf62IFqi/92875b0c4f21b691a5a72d231e27d969/document.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/26a5MYV2xbSfAxKf62IFqi/92875b0c4f21b691a5a72d231e27d969/document.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/26a5MYV2xbSfAxKf62IFqi/92875b0c4f21b691a5a72d231e27d969/document.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="important-documents">Important documents</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Sometimes the best things in life are found in PDF links. Check out all of the important documents about the Monzo Pension.</p></div><ul class="List_List__QAbJI List_light__OI_4n List_margin__RxbID"><li class=""><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/pensions/terms-and-conditions/version-1-1/?view=app" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Investment terms & conditions for Monzo Pension</span></a> - terms between customers and Monzo for the investment services for Monzo Pension</li><li class=""><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/fnz-terms-and-conditions-1.0.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">FNZ Securities Limited SIPP Operator Terms</span></a> - terms between customers and FNZ Securities for pension scheme operation</li><li class=""><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/pensions/key-features/version-1-0/?view=app" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Key features document</span></a> - key features of the Monzo Pension</li><li class=""><a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/pensions/fees/version-1-0/?view=app" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Monzo Pension Fees</span></a></li><li class="">BlackRock LifePath Target Date Fund factsheets: <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2030-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2030</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2035-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2035</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2040-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2040</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2045-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2045</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2050-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2050</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2055-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2055</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2060-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2060</span></a>/ <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2065-class-s-acc-accu-gbp-2024-05.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">2065</span></a></li></ul></div></div></div></div></div></div></div></div></section></div><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa GenericTextBlock_footerSection__UiSrM"><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopxlarge__XU8b4 Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_center__fqUI_ Title_marginBottom__TiQqA" id="not-a-monzo-customer-yet">Not a Monzo customer yet?</h2><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>To get started with a Monzo Pension, all you need is our <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/current-account"><span class="Button_text__S2FJ_">free Monzo current account,</span></a> which is packed with helpful ways to manage your money.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>It only takes 10 minutes to apply, straight from the app.</p></div></div></div><div class="GenericTextBlock_buttons____so1"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Open a free Monzo account</span></a></div></div></div></div></div></div></section></div><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa"><section class="Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopmedium__YYeop Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopmedium__YYeop Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_center__fqUI_ Title_marginBottom__TiQqA" id="questions-get-the-answers">Questions? Get the answers</h2></div></div></div></div></div></div></section></div><section class="Section_section__mRxGN Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Accordion_Accordion__a3Zuv Accordion_light__6aRHQ"><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="what-is-a-self-invested-personal-pension">What is a self-invested personal pension?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>A Monzo Pension is a type of pension called a self-invested personal pension. It gives you the ability to save for your retirement. But unlike a workplace pension, you have the ability to control how much goes in and when.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>A SIPP can be a tax-efficient way to boost your retirement savings. You can have a SIPP alongside other investments, such as ISAs and workplace pensions. The taxes you pay depend on your circumstances and rules could change in the future.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>A SIPP is not designed to replace your workplace pension, if you’re employed, it’s meant to complement and work alongside it.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>If you’re self-employed, a SIPP is one way of saving for your retirement. </p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You won’t be able to add money to your Monzo Pension just yet. We’re working on this so you’ll be able to do it soon.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="should-i-combine-my-pensions">Should I combine my pensions?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You usually get a new pension with each new job you have. So it’s easy for pensions to rack up. And over time, this can be difficult to keep track of. </p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>By combining your pensions into one place, you’ll be able to see exactly how much you’ve built up – and work out if you’re on track for the future. </p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You’ll also cut down on future admin as you’ll only need details for one pension when you retire. </p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>And you’ll know exactly what you’re paying for your pensions too. Each provider has their own fees, so it’s tricky to work out what you’re paying when you have several pensions. With a Monzo Pension, you’ll pay transparent fees – 0.63% of your pension value (a 0.18% fund fee and a 0.45% platform fee). Got Plus, Premium, <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/current-account/perks"><span class="Button_text__S2FJ_">Perks</span></a> or <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/current-account/max"><span class="Button_text__S2FJ_">Max</span></a>? You’ll pay a lower 0.35% platform fee. Your fees accrue daily, and are charged monthly.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="can-i-combine-any-type-of-pension">Can I combine any type of pension?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You can combine old workplace and personal pensions.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You won’t be able to transfer your current workplace pension that you’re paying in to. If you’ve already started taking money from a pension, you won’t be able to transfer that. And if your old pension has safeguarded benefits, we won’t transfer that either.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="does-this-affect-my-current-workplace-pension">Does this affect my current workplace pension?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>No, not at all. You should continue paying into your current workplace pension as normal.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>When you pay into your workplace pension, so does your employer. So you get more for your money by contributing to that, rather than a personal pension.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="what-information-do-i-need-to-combine-my-pensions">What information do I need to combine my pensions?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>The more information you’re able to tell us, the sooner we’ll be able to combine your pensions.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>It’s best if you know your pension provider name, reference number and rough pension value.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>But don’t worry if you don’t have all this information. We can still look for your pension – even if all you know is where you worked and when. </p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="what-fees-will-i-pay-for-a-monzo-pension">What fees will I pay for a Monzo Pension?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You’ll pay 0.63% of your investments value in fees (that’s a 0.45% platform fee and 0.18% fund fee). £10,000 in your pension? You’d pay £62.91 a year (with no growth or withdrawals).</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Plus, Premium, Perks or Max subscriber? Then you’ll pay a lower platform fee of 0.35%.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Your fees accrue daily, and are charged monthly.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="how-do-the-funds-consider-environmental-social-and-governance-esg-factors">How do the funds consider environmental, social and governance (ESG) factors?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>These funds mostly invest in other funds. Of the money they invest in other funds, at least 80% is invested in those which consider their investments' ESG ratings and status. Not all of the funds' investments will consider ESG factors.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>For more information on how the fund carries out its ESG policy, see the <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.blackrock.com/uk/literature/prospectus/blackrock-investment-funds-prospectus.pdf" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">fund prospectus</span></a>.</p></div></div></div></details><details class="Accordion_AccordionItem__W_S6Q Accordion_light__6aRHQ"><summary><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga" id="im-still-not-sure-where-can-i-get-more-support">I'm still not sure. Where can I get more support?</h3></summary><div class="Accordion_AccordionContent__vHTiq"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>You should be sure combining your pensions is right for you.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Before you make the move, make sure you know your old pension's fees. If you transfer your pension to one with higher fees, it'll impact the value of your pension over a long-term period.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Still need a little support? The government's <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://maps.org.uk/en#" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Money and Pensions Service</span></a> can help if you have any questions around pensions or money guidance, and debt advice too. And if you're still unsure, speak to a financial adviser, or if you're over 50, you can get free and impartial guidance through <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Pension Wise</span></a>.</p></div></div></div></details></div></div></div></div></section><div data-testid="generic-text-block" class="GenericTextBlock_genericTextBlock__Vclfa"><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopmedium__YYeop Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopmedium__YYeop Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt paddingHorizontalAuto Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing5__jkMGw"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>iShares® and BlackRock® are trademarks of BlackRock, used under licence. BlackRock has no obligation or liability in connection with any product or service offered by Monzo.</p></div></div></div></div></div></div></div></div></section></div><div class="CTASection_cta__tFYme CTASection_aboveFooter__B_5Ct "><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomnone__1i30t"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_coral__27ckz Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_paddingHorizontalSmall__i62HY Block_paddingVerticalXxlarge__Ylzar Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE CTASection_ctaSectionBlock__8SQt9"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-3 Title_center__fqUI_ Title_marginBottom__TiQqA" id="open-a-free-current-account">Open a free current account</h2><div class="Markdown_Markdown__aEd_X Markdown_dark__2sqVQ" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.</p></div></div></div><div class="Row_Row__NBdhV Row_center__Jve6z"><a aria-label="Download on the App Store" href="https://we83.adj.st/home?adj_t=1dj2rkno&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__6VAjq undefined undefined null "><img width="150" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1dxkjz95?redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_playStoreButton__iOEvY undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></div></div></div></div></section></div></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W Footer_forceDarkMode__Oimpe" role="menu"><div class="Footer_logo__tSFSn"><a role="menuitem" class="Footer_logoLink__gs4rX" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&link_text=Monzo Bank&link_type=navigation&url=/&currentUrl=/pensions" href="/"><img class="Footer_logoImage__XvGRA" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/monzo-logo-on-dark.a1b99872.svg" alt="Monzo Bank"/></a></div><div class="Footer_links__y6OjA"><ul><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/help"><span class="Button_text__S2FJ_">Help centre</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/about"><span class="Button_text__S2FJ_">About us</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/us"><span class="Button_text__S2FJ_">Monzo US</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/blog"><span class="Button_text__S2FJ_">Blog</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/press"><span class="Button_text__S2FJ_">Press</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/careers"><span class="Button_text__S2FJ_">Careers</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/our-social-programme"><span class="Button_text__S2FJ_">Our social programme</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/accessibility"><span class="Button_text__S2FJ_">Accessibility</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://web.monzo.com/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Lost your phone and card?</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/investor-information"><span class="Button_text__S2FJ_">Investor Information</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/supporting-all-our-customers"><span class="Button_text__S2FJ_">Supporting all our customers</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/money-worries"><span class="Button_text__S2FJ_">How we can support with money worries</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/helping-everyone-belong-at-monzo"><span class="Button_text__S2FJ_">Helping everyone belong at Monzo</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/fraud"><span class="Button_text__S2FJ_">How we protect you</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/tone-of-voice"><span class="Button_text__S2FJ_">Our tone of voice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/business-banking"><span class="Button_text__S2FJ_">Business Accounts</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/modern-slavery-statements"><span class="Button_text__S2FJ_">Modern Slavery Statement</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/faq"><span class="Button_text__S2FJ_">FAQ</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/terms-and-conditions/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Terms & Conditions</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/fscs-information/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">FSCS information</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/privacy-notice/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Privacy Notice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/cookie-notice/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Cookie Notice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/browser-support-policy/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Browser Support Policy</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/mobile-operating-system-support-policy/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Mobile Operating System Support Policy</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/information-about-current-account-services"><span class="Button_text__S2FJ_">Information about our Personal Current Account Services</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/service-information"><span class="Button_text__S2FJ_">App and Open Banking Performance</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/learn/savings"><span class="Button_text__S2FJ_">Saving hub</span></a></li></ul></div><div class="Footer_appStore__xbjmA"><a aria-label="Download on the App Store" href="https://we83.adj.st/home?adj_t=1dj2rkno&adj_fallback=https%3A%2F%2Fmonzo.com%2Fdownload&adj_engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__6VAjq undefined undefined null "><img width="150" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1dxkjz95?fallback=https%3A%2F%2Fmonzo.com%2Fdownload&engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_playStoreButton__iOEvY undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></div><div class="Footer_social__8eyG7"><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://twitter.com/monzo" rel="noopener noreferrer external" aria-label="Twitter"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/twitter.96ceda75.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.instagram.com/monzo" rel="noopener noreferrer external" aria-label="Instagram"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/instagram.1bbdc4ed.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.facebook.com/monzobank" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/facebook.94997288.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.linkedin.com/company/monzo-bank" rel="noopener noreferrer external" aria-label="Linkedin"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/linkedin.9fc87684.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.youtube.com/monzobank" rel="noopener noreferrer external" aria-label="Youtube"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d/_next/static/media/youtube.8039ba10.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div></footer><div class="Footer_copyrightNoticeContainer__JzD6V Footer_forceDarkMode__Oimpe"><div class="Footer_copyrightNotice__ZGhed"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><strong>Existing customers can get help via the app</strong></p></div><div class="Footer_termsContainer__qr7IS"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="anonymous">{"props":{"pageProps":{"anonID":"anon_686470fe-ce5a-4f27-9b40-265aad7a2710","experimentsWithDefaults":[{"experimentID":"ca_homepage_navigation_cta_pairing","defaultVariant":"control"},{"experimentID":"header_navigation_reorder","defaultVariant":"control"}],"preview":false,"head":{"title":"Monzo Pensions | A New Home for Your Old Pension","locale":"en-GB","rootUrl":"https://monzo.com","slug":"/pensions","description":"We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money. Register for updates now.","ogImage":"//images.ctfassets.net/ro61k101ee59/ArvIukcwtj3p9moe3ShW8/4ab240c614366205ce0b1eb20aad3242/image__49_.png"},"pageTheme":"default","sections":[{"content":[],"data":{"target":{"fields":{"flags":{"tmpLightHeroOverride":true},"heroCTA":{"fields":{"cta":"Register for updates","href":"https://monzo.com/-deeplinks/pension","name":"Pensions - register for updates"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"webBlockCta","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.388Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2J6pp8u0dJpHiVcyPib4OX","locale":"en-GB","publishedVersion":5,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.388Z"}},"heroImage":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":6240,"width":6241},"size":3987353},"fileName":"image (47).png","url":"//images.ctfassets.net/ro61k101ee59/6CQzT4ACCzABJ7w58Y7YNM/1bd03383fd23045027b7b926560b091a/image__47_.png"},"title":"Monzo Pension - UI"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.247Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6CQzT4ACCzABJ7w58Y7YNM","locale":"en-GB","publishedVersion":16,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.247Z"}},"legalText":"The value of your pension could go up or down and you could get back less than you put in. You need a free [Monzo current account](https://monzo.com/current-account) to open a Monzo Pension. 18-70 years old only. UK residents only. Ts\u0026Cs apply.","logos":["Best Banking App Award 2023","FSCS Protected"],"pageDescription":"We can help find and combine your old pensions with just a few details, giving you a clearer view of your future money.\n\nAvailable to all customers soon.","pageTitle":"A new home for your old pensions"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionHero","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.454Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3BIxDHWaentCKMOzUZSZSw","locale":"en-GB","publishedVersion":19,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2025-01-23T11:36:09.096Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"paddingBottom":"Medium","paddingTop":"Medium","sectionName":"Monzo Pension - Combine pensions the simple way","sectionType":"Default","semanticHeading":"h2","textAlign":"Center","title":"Combine pensions the simple way","titleSize":"large"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionGenericTextBlock","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.099Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"70z4aWuHAmdBVkgykNrsjb","locale":"en-GB","publishedVersion":12,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.099Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"backgroundColor":"Background: Primary","direction":"horizontal","image1":{"fields":{"description":"","file":{"contentType":"image/gif","details":{"image":{"height":560,"width":560},"size":1460560},"fileName":"Where-you-worked-and-when_white_w560_03.gif","url":"//images.ctfassets.net/ro61k101ee59/34MnykzocvUEywo7P7byIS/47b4a98683fec04368d0a25caf843f8f/Where-you-worked-and-when_white_w560_03.gif"},"title":"Tell us where you worked and when"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.232Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"34MnykzocvUEywo7P7byIS","locale":"en-GB","publishedVersion":17,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.232Z"}},"image2":{"fields":{"description":"","file":{"contentType":"image/gif","details":{"image":{"height":560,"width":560},"size":1498990},"fileName":"We-do-the-magic-of-finding_white_w560_03.gif","url":"//images.ctfassets.net/ro61k101ee59/47kt5FyfNYhDcKdKYgRW0A/3b2155d8f4c9c32170904e6663358a5f/We-do-the-magic-of-finding_white_w560_03.gif"},"title":"Leave the detective work to us"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.238Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"47kt5FyfNYhDcKdKYgRW0A","locale":"en-GB","publishedVersion":8,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.238Z"}},"image3":{"fields":{"description":"","file":{"contentType":"image/gif","details":{"image":{"height":560,"width":560},"size":1944266},"fileName":"We-ve-found-them-and-are-combining-them_white_w560_04.gif","url":"//images.ctfassets.net/ro61k101ee59/7odOSts9HLcMwWWziF3YPl/e3bf1b4794272ad984be4e732c1918f0/We-ve-found-them-and-are-combining-them_white_w560_04.gif"},"title":"We'll combine your pensions into one"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.251Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7odOSts9HLcMwWWziF3YPl","locale":"en-GB","publishedVersion":11,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.251Z"}},"sectionNameInternal":"Monzo Pension - product journey triptych","text1":"That's all we need to get started. But it's quicker if you know more.","text2":"We'll do some digging to find your pensions.","text3":"Once we find and combine your pensions, you'll see them as one.","title1":"Tell us where you worked and when","title2":"Leave the detective work to us","title3":"Get a clear picture of your future"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTriptych","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.434Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2qe9QUWGrqGocojCxl0YlK","locale":"en-GB","publishedVersion":28,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T08:16:04.817Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"applyAnimation":"No","backgroundColor":"Background: Secondary","callToAction":{"fields":{"cta":"Register for updates","href":"https://monzo.com/-deeplinks/pension","name":"Pensions - register for updates"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"webBlockCta","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.388Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2J6pp8u0dJpHiVcyPib4OX","locale":"en-GB","publishedVersion":5,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.388Z"}},"containerColor":"Background: Secondary","header":"Make pensions less puzzling","image":{"fields":{"description":"","file":{"contentType":"image/gif","details":{"image":{"height":560,"width":560},"size":1343610},"fileName":"Education_carousel_white_w560_3.gif","url":"//images.ctfassets.net/ro61k101ee59/7F1fcTHEwd375hX4nJmqEW/6f4445630e3ea3f031b47af95aa0e927/Education_carousel_white_w560_3.gif"},"title":"Monzo Pension - education carousel"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.249Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7F1fcTHEwd375hX4nJmqEW","locale":"en-GB","publishedVersion":7,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.249Z"}},"sectionName":"Monzo Pension - make pensions less puzzling","textAlign":"Left","textCopy":"Our bite-sized lessons break down pensions for you. Each one is only around 90 seconds, but packed full of key info to help you understand more about your future money. Find them in the app."},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.519Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3W5l7L4iJBoLMbESx1F0EE","locale":"en-GB","publishedVersion":19,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.519Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"componentName":"Monzo Pension - UI Showcase - 3 Features","layout":"Top And Bottom Horizontal (4 items)","showcaseItems":{"content":[{"content":[],"data":{"target":{"fields":{"backgroundColor":"Accent: Coral","cardName":"Pensions - UI Showcase Card - Funds","forceTheme":"Dark","image":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":544,"width":708},"size":36167},"fileName":"Graph_average spend_01 (2).png","url":"//images.ctfassets.net/ro61k101ee59/4mcdsnfUKHG5UIYwKUtcqX/cb673117a26806a69f2ce77e88612425/Graph_average_spend_01__2_.png"},"title":"Pensions funds"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.243Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4mcdsnfUKHG5UIYwKUtcqX","locale":"en-GB","publishedVersion":9,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.243Z"}},"imagePosition":"right","modalImage":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":544,"width":708},"size":36167},"fileName":"Graph_average spend_01 (2).png","url":"//images.ctfassets.net/ro61k101ee59/4mcdsnfUKHG5UIYwKUtcqX/cb673117a26806a69f2ce77e88612425/Graph_average_spend_01__2_.png"},"title":"Pensions funds"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.243Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4mcdsnfUKHG5UIYwKUtcqX","locale":"en-GB","publishedVersion":9,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.243Z"}},"modalText":"__The funds automatically balance the risk they take__\n\nA Monzo Pension is a self-invested personal pension (SIPP).\n\nIt invests in a fund (a target date fund) which aims to keep it growing. The funds we offer are smartly designed to balance the risk they take as you get closer to retirement. \n\nUsing the age you aim to retire as a guide, they automatically shift from higher to lower risk investments. They invest in a mix of shares, bonds and other smaller investments, carefully changing how much they're investing in each of these things over time.\n\nYou could get back less than you invest.","title":"Smart enough to change as you do","titleSize":"large"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"showcaseCard","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.011Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6TkpfoTEpCfPmyAlbonGaN","locale":"en-GB","publishedVersion":47,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.011Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"backgroundColor":"Accent: Pale Teal","cardName":"Pensions - UI Showcase - Trust","forceTheme":"Dark","image":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":1181,"width":1180},"size":92739},"fileName":"image (44).png","url":"//images.ctfassets.net/ro61k101ee59/56DchYWbxiLYrQb1e3wlam/130aa7ad7a63983acd0add24cf68ae3e/image__44_.png"},"title":"Pensions trust image"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.245Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"56DchYWbxiLYrQb1e3wlam","locale":"en-GB","publishedVersion":12,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.245Z"}},"imagePosition":"center","modalImage":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":1200,"width":1140},"size":75788},"fileName":"blkfund.png","url":"//images.ctfassets.net/ro61k101ee59/Lxn7L230n0d3LAE8Pf3ej/77d0f7d838f74a65c6487deff56e7720/blkfund.png"},"title":"Pensions Trust - Modal"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.255Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"Lxn7L230n0d3LAE8Pf3ej","locale":"en-GB","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.255Z"}},"modalText":"__Why your pension's in good hands__\n\nThe funds your pension invests in are managed by BlackRock, one of the world’s largest fund managers. They manage savings of over 12 million UK pension customers.\n\nPlus the Financial Services Compensation Scheme (FSCS) also protects your pension up to £85,000 per person. This limit is shared across Monzo Investments and the Monzo Pension.\n\n[See full FSCS information](https://monzo.com/legal/pensions/fscs-information/)\n\nThe value of your pension could go up or down and you could get back less than you put in.","title":"Know your money's in good hands","titleSize":"medium"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"showcaseCard","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.557Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4MgDGMi7bf1LYOA7WpGLHM","locale":"en-GB","publishedVersion":33,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.557Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"backgroundColor":"Background: Primary","cardName":"Pensions - UI Showcase - Fees","forceTheme":"Dark","image":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":1180,"width":1180},"size":149457},"fileName":"image (45).png","url":"//images.ctfassets.net/ro61k101ee59/3JZNV3smbQ1XTnsadyr5qH/9cf25920b0c55afd22d1dce40f5926bb/image__45_.png"},"title":"Pensions percentage - modal"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.236Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3JZNV3smbQ1XTnsadyr5qH","locale":"en-GB","publishedVersion":7,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.236Z"}},"imagePosition":"center","modalImage":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":1200,"width":1140},"size":100240},"fileName":"percent.png","url":"//images.ctfassets.net/ro61k101ee59/4BlM4Xk3IL8FBN4hmS3DTk/32c11bae0ac981cf4212bdd2db36a552/percent.png"},"title":"Pensions percentage - modal"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T06:49:57.240Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4BlM4Xk3IL8FBN4hmS3DTk","locale":"en-GB","publishedVersion":6,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T06:49:57.240Z"}},"modalText":"__Pay transparent fees__\n\nYou’ll pay 0.63% of your investments value in fees annually (that’s a 0.45% platform fee and 0.18% fund fee). £10,000 in your pension? You’d pay £62.91 a year (with no growth or withdrawals).\n\nPlus, Premium, Perks or Max customer? Then you’ll pay a lower platform fee of 0.35%.\n\nYour fees accrue daily, and are charged monthly.","title":"No hidden fees, ever","titleSize":"large"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"showcaseCard","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.217Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7umvxmo8eMgftkUB1wn0J","locale":"en-GB","publishedVersion":19,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.217Z"}}},"nodeType":"embedded-entry-block"},{"content":[{"data":{},"marks":[],"nodeType":"text","value":""}],"data":{},"nodeType":"paragraph"}],"data":{},"nodeType":"document"}},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsShowcase","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.148Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7MCFWOqzdnbSrQ5l5HhupZ","locale":"en-GB","publishedVersion":9,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.148Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"applyAnimation":"No","callToAction":{"fields":{"cta":"Learn more","href":"https://monzo.com/blog/guide-to-self-invested-personal-pensions","name":"SIPP blog post"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"webBlockCta","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T08:28:06.119Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4ku9Wrvls7LPyQ3ovgG5cF","locale":"en-GB","publishedVersion":3,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T08:28:06.119Z"}},"header":"Your guide to self-invested personal pensions (SIPPs)","image":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":630,"width":1200},"size":77627},"fileName":"image (43).png","url":"//images.ctfassets.net/ro61k101ee59/1uM92kCk0Zb5HrtL1wWW6A/cd2cfc6ce93537724f6386b869e435f5/image__43_.png"},"title":"SIPP blog post"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-07-24T08:29:15.888Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1uM92kCk0Zb5HrtL1wWW6A","locale":"en-GB","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-07-24T08:29:15.888Z"}},"sectionName":"SIPP blog post","textAlign":"Left","textCopy":"A Monzo Pension is a self-invested personal pension (or a SIPP). This guide breaks down the things you need to know about a SIPP, and more importantly the SIPP you can open with us - what it is, who it's for, rules around SIPPs, plus so much more."},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T08:29:05.074Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3j6ldRH5BihQz2Vd19kc2G","locale":"en-GB","publishedVersion":11,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T08:29:05.074Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"applyAnimation":"No","header":"Important documents","image":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":991,"width":990},"size":18270},"fileName":"document.png","url":"//images.ctfassets.net/ro61k101ee59/26a5MYV2xbSfAxKf62IFqi/92875b0c4f21b691a5a72d231e27d969/document.png"},"title":"Pensions documents"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-08-08T10:31:12.747Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"26a5MYV2xbSfAxKf62IFqi","locale":"en-GB","publishedVersion":15,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-08-08T10:31:12.747Z"}},"sectionName":"Pensions documents","textAlign":"Left","textCopy":"Sometimes the best things in life are found in PDF links. Check out all of the important documents about the Monzo Pension.\n- [Investment terms \u0026 conditions for Monzo Pension](https://monzo.com/legal/pensions/terms-and-conditions/version-1-1/?view=app) - terms between customers and Monzo for the investment services for Monzo Pension\n- [FNZ Securities Limited SIPP Operator Terms](https://monzo.com/legal/files/pensions/fnz-terms-and-conditions-1.0.pdf) - terms between customers and FNZ Securities for pension scheme operation\n- [Key features document](https://monzo.com/legal/pensions/key-features/version-1-0/?view=app) - key features of the Monzo Pension\n- [Monzo Pension Fees](https://monzo.com/legal/pensions/fees/version-1-0/?view=app)\n- BlackRock LifePath Target Date Fund factsheets: [2030](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2030-class-s-acc-accu-gbp-2024-05.pdf)/ [2035](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2035-class-s-acc-accu-gbp-2024-05.pdf)/ [2040](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2040-class-s-acc-accu-gbp-2024-05.pdf)/ [2045](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2045-class-s-acc-accu-gbp-2024-05.pdf)/ [2050](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2050-class-s-acc-accu-gbp-2024-05.pdf)/ [2055](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2055-class-s-acc-accu-gbp-2024-05.pdf)/ [2060](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2060-class-s-acc-accu-gbp-2024-05.pdf)/ [2065](https://monzo.com/legal/files/pensions/factsheets/blk-target-date-fund-2065-class-s-acc-accu-gbp-2024-05.pdf)\n"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2024-08-08T10:31:21.229Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2kLQQV8Mznh9F0MmDHDZjf","locale":"en-GB","publishedVersion":63,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-08-08T10:31:21.229Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"backgroundColor":"Background: Primary","callToAction":{"fields":{"cta":"Open a free Monzo account","href":"https://monzo.com/sign-up","name":"Open a free Monzo account","text":"Open a free Monzo account"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"webBlockCta","linkType":"ContentType","type":"Link"}},"createdAt":"2024-06-24T07:31:46.536Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1OqwL5VcQgR0WvWFO3ztIx","locale":"en-GB","publishedVersion":7,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2025-03-10T10:57:16.874Z"}},"containerColor":"Background: Secondary","paddingBottom":"XLarge","paddingTop":"XLarge","sectionName":"Not a Monzo customer yet - Pensions","sectionType":"Footer","textAlign":"Center","textCopy":"To get started with a Monzo Pension, all you need is our [free Monzo current account,](https://monzo.com/current-account) which is packed with helpful ways to manage your money.\n\nIt only takes 10 minutes to apply, straight from the app.","title":"Not a Monzo customer yet?","titleColour":"Content: Primary","titleSize":"large"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionGenericTextBlock","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.288Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"WuggzgbokWF9XajwtpZd5","locale":"en-GB","publishedVersion":23,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.288Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"backgroundColor":"Background: Primary","containerColor":"Background: Primary","paddingBottom":"Medium","paddingTop":"Medium","sectionName":"Monzo Pension - FAQ title","sectionType":"Default","textAlign":"Center","title":"Questions? Get the answers","titleSize":"large"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionGenericTextBlock","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.788Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6pEsn468f0KJSsxT2Akzv","locale":"en-GB","publishedVersion":5,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.788Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"disclosureItems":[{"fields":{"content":"A Monzo Pension is a type of pension called a self-invested personal pension. It gives you the ability to save for your retirement. But unlike a workplace pension, you have the ability to control how much goes in and when.\n\nA SIPP can be a tax-efficient way to boost your retirement savings. You can have a SIPP alongside other investments, such as ISAs and workplace pensions. The taxes you pay depend on your circumstances and rules could change in the future.\n\nA SIPP is not designed to replace your workplace pension, if you’re employed, it’s meant to complement and work alongside it.\n\nIf you’re self-employed, a SIPP is one way of saving for your retirement. \n\nYou won’t be able to add money to your Monzo Pension just yet. We’re working on this so you’ll be able to do it soon.","title":"What is a self-invested personal pension?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.352Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2CjdyyuURtsSX67sQm4sT4","locale":"en-GB","publishedVersion":14,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.352Z"}},{"fields":{"content":"You usually get a new pension with each new job you have. So it’s easy for pensions to rack up. And over time, this can be difficult to keep track of. \n\nBy combining your pensions into one place, you’ll be able to see exactly how much you’ve built up – and work out if you’re on track for the future. \n\nYou’ll also cut down on future admin as you’ll only need details for one pension when you retire. \n\nAnd you’ll know exactly what you’re paying for your pensions too. Each provider has their own fees, so it’s tricky to work out what you’re paying when you have several pensions. With a Monzo Pension, you’ll pay transparent fees – 0.63% of your pension value (a 0.18% fund fee and a 0.45% platform fee). Got Plus, Premium, [Perks](https://monzo.com/current-account/perks) or [Max](https://monzo.com/current-account/max)? You’ll pay a lower 0.35% platform fee. Your fees accrue daily, and are charged monthly.","title":"Should I combine my pensions?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.115Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7GQ2PozU7rjU85nHOYfVGd","locale":"en-GB","publishedVersion":9,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.115Z"}},{"fields":{"content":"You can combine old workplace and personal pensions.\n\nYou won’t be able to transfer your current workplace pension that you’re paying in to. If you’ve already started taking money from a pension, you won’t be able to transfer that. And if your old pension has safeguarded benefits, we won’t transfer that either.","title":"Can I combine any type of pension?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.402Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2PvTK48iImbfNRcKoUJTCQ","locale":"en-GB","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.402Z"}},{"fields":{"content":"No, not at all. You should continue paying into your current workplace pension as normal.\n\nWhen you pay into your workplace pension, so does your employer. So you get more for your money by contributing to that, rather than a personal pension.","title":"Does this affect my current workplace pension?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:58.233Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"7wuOrLG8wZE6eqEyYkfxfE","locale":"en-GB","publishedVersion":3,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:58.233Z"}},{"fields":{"content":"The more information you’re able to tell us, the sooner we’ll be able to combine your pensions.\n\nIt’s best if you know your pension provider name, reference number and rough pension value.\n\nBut don’t worry if you don’t have all this information. We can still look for your pension – even if all you know is where you worked and when. ","title":"What information do I need to combine my pensions?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.640Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5DVOwd8icLLKeLEQFfqAoo","locale":"en-GB","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.640Z"}},{"fields":{"content":"You’ll pay 0.63% of your investments value in fees (that’s a 0.45% platform fee and 0.18% fund fee). £10,000 in your pension? You’d pay £62.91 a year (with no growth or withdrawals).\n\nPlus, Premium, Perks or Max subscriber? Then you’ll pay a lower platform fee of 0.35%.\n\nYour fees accrue daily, and are charged monthly.","title":"What fees will I pay for a Monzo Pension?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.655Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5fdxdD5RZTNBbtmeqT4F5T","locale":"en-GB","publishedVersion":5,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.655Z"}},{"fields":{"content":"These funds mostly invest in other funds. Of the money they invest in other funds, at least 80% is invested in those which consider their investments' ESG ratings and status. Not all of the funds' investments will consider ESG factors.\n\nFor more information on how the fund carries out its ESG policy, see the [fund prospectus](https://www.blackrock.com/uk/literature/prospectus/blackrock-investment-funds-prospectus.pdf).","title":"How do the funds consider environmental, social and governance (ESG) factors?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.487Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3EBIqyFvRPJcUJAV2dSZmF","locale":"en-GB","publishedVersion":7,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.487Z"}},{"fields":{"content":"You should be sure combining your pensions is right for you.\n\nBefore you make the move, make sure you know your old pension's fees. If you transfer your pension to one with higher fees, it'll impact the value of your pension over a long-term period.\n\nStill need a little support? The government's [Money and Pensions Service](https://maps.org.uk/en#) can help if you have any questions around pensions or money guidance, and debt advice too. And if you're still unsure, speak to a financial adviser, or if you're over 50, you can get free and impartial guidance through [Pension Wise](https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise).","title":"I'm still not sure. Where can I get more support?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureItem","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.504Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3Rw2i9BHjQWk0lz5r7jy7g","locale":"en-GB","publishedVersion":8,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.504Z"}}],"title":"Monzo Pension - FAQs"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsDisclosureGroup","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.257Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1m9e2MJ22WkqQXpyY6Bys4","locale":"en-GB","publishedVersion":17,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.257Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"paddingBottom":"Medium","paddingTop":"Medium","sectionName":"Pensions disclaimers","sectionType":"Default","textAlign":"Left","textCopy":"iShares® and BlackRock® are trademarks of BlackRock, used under licence. BlackRock has no obligation or liability in connection with any product or service offered by Monzo.","titleSize":"small"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionGenericTextBlock","linkType":"ContentType","type":"Link"}},"createdAt":"2024-07-24T06:49:57.332Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1R6YVHgTvcVeujmxU7Xwa2","locale":"en-GB","publishedVersion":6,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-07-24T06:49:57.332Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"ctaType":"App Store Badges","sectionName":"Brand refresh – CTA footer – Open a free current account","subtitle":"Download the Monzo app on iOS or Android and join more than 11 million personal and business customers who've changed the way they bank.","title":"Open a free current account"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionCallToAction","linkType":"ContentType","type":"Link"}},"createdAt":"2024-05-01T19:23:29.701Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5E1SdojxRnZXJs1tMmq1PP","locale":"en-GB","publishedVersion":34,"revision":9,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2025-01-10T09:05:25.611Z"}}},"nodeType":"embedded-entry-block"}],"componentProps":{},"designSystemEnabled":true,"featureGates":{"ca_daxenabled":true,"1p_saving_challenge_countdown":false,"ca_flex_build_navigation_link":true,"lunio_enabled":true,"isa_allowance_countdown":true},"experiments":[{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"},{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"}],"hasExperiments":true,"dynamicText":{"nav":"Sign up","cta":"Open an account for free"},"cookies":{}},"__N_SSP":true},"page":"/[...dynamic]","query":{"dynamic":["pensions"]},"buildId":"NDyvg1of-74OxLMjha45W","assetPrefix":"https://static-assets.monzo.com/monzo-com/f04fcb3c609b211d8757da342702c8cb8af5525d","runtimeConfig":{"apiFqdn":"internal-api.monzo.com","publicApiFqdn":"api.monzo.com","publicClientId":"oauth2client_0000ATbSRBo8E4Es6Ss3k6","publicClientSecret":"mnzpub.eQUHgQ9y9tbER/x0k0LRW9KOoVkOnb4dMwCxLQxC8AoLPwGdDXlQ7EODWlgmgq+r9j+vCurgzX1Ya0m7uVCTMQ==","test_apiFqdn":"api.s101.nonprod-ffs.io","sentryProject":"monzo-com-web","sentryOrg":"monzo","sentryDSN":"https://06894583d63658ed47fe4e9943f497fa@o23827.ingest.sentry.io/4505743602483200","environment":"production","anonIDCookieDomain":".monzo.com"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"scriptLoader":[]}</script></body><script src="https://internal-api.monzo.com/static/util.js"></script></html></body></html>