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Pensions

Smart, simple ways to save for retirement with a Halifax personal pension.

A couple sitting happily in the garden.
 

The Halifax brand is changing to Lloyds

You can still apply with Halifax in the meantime. Your account and how you invest will stay exactly the same.

Find out more

Learn about the brand change.

Welcome to Halifax Personal Pensions

Plan your retirement with confidence

Planning for retirement doesn't have to be complicated. At Halifax, we make it easy to understand your pension options and start saving for the future you want. Our personal pensions are designed to be simple, flexible and backed by trusted expertise. You'll also find helpful guides and tools to learn more about how pensions work, all in one place.

Choose the pension that works for you

Not sure where to start? We'll help you find the right pension.

Ready-Made Pension

A simple way to save for retirement, ideal if you want the experts to manage things for you.
  • Scottish Widows experts manage your investments on your behalf
  • A hands-off pension that's easy to understand and manage
  • Fees you can understand and stay in control of.

Help build your future with confidence, without needing to make day-to-day decisions.

Open a Ready-Made Pension Open a Ready-Made Pension.

Self-Invested Personal Pension (SIPP)

If you like to be more hands-on, a SIPP gives you more choice and control.
  • Choose from a wide range of investments and manage your pension your way.
  • Start investing in your future from just £1.
  • Capped admin fees so more of your money stays invested.

A flexible way to invest for your future, on your terms.

Open a SIPP Open a SIPP.
 

Scottish Widows: our trusted retirement partner

Your Halifax pension is supported by Scottish Widows, part of the same group and experts in pensions for over 200 years.

When the time comes to take your pension, they'll guide you through your options.

Why choose a Halifax Pension?

When you're thinking about your future, you want a pension you can feel confident about. We're here to help you make sense of your options and feel in control of what comes next.

  • A trusted brand: Together Halifax and Scottish Widows support customers across the UK.
  • Quick to open: Apply online or via the app.
  • Easy to manage: Check and manage your pension anytime using online banking or the mobile banking app.
  • Competitive fees: so you always know what you're paying.
  • Flexible contributions: Pay in monthly or as a one-off. With a SIPP, Limited Company Directors can contribute through their business.
  • Free to transfer: Bring old pensions together in one place at no extra cost.

More ways to manage your pension

 

Pension options for the self-employed

If you work for yourself, sorting your pension out usually feels overwhelming, but we make it straightforward.

Our pension options give you flexibility, control and clear information, so saving for retirement feels easier.

Self-employed pensions

 

When you're ready to take your pension

When the time is right for you to retire, we can help you access your pension in a way that suits your retirement needs.

There are several different ways for you to take your pension. It's worth considering which option is the right one for you.

Retirement options

Protecting your money

Protecting your money


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

More about the FSCS


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

More about the FSCS

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Halifax is a division of Bank of Scotland plc. Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Ready-Made Pension and SIPP are provided by Embark Investment Services Limited, a company incorporated in England and Wales (company number 09951930) with its registered office at 33 Old Broad Street, London, EC2N 1HZ. Embark Investment Services Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 737356).