Find lost pensions for free

Beach is an easy to use app for both investing and managing your pension. There's an easy access pot that includes a tax-free ISA, and a pension pot for retirement savings. The investment plans are managed by experts and you can find and combine lost pensions too. Plus, the customer service is excellent.

How to claim the deal

All you need to do is click the link above, sign up, and add any information you might have about your lost pensions, such as where you used to work. Beach will take it from there and start tracking them down.

Terms and conditions apply.

Combine old pensions

Bringing all your old pensions together can be a great idea, so you can manage all your retirement savings in one place. And not forget about them later in life!

With Beach, you can do that easily. All you need to do is add a few details about your pension in the app, and Beach will reach out to your existing pension providers and transfer them over to your Beach pension. If you’re not sure where your pension is, Beach can find them for you too.

It’s all handled via the app, and only takes a few minutes to get started. With some providers the process can be quick, and Beach’s record is currently 24 hours! Although, expect it to take around 6 weeks.

Beach pros and cons

Pros

• Easy to use
• No investing expertise needed
• Save and invest general savings alongside a pension
• Handy savings split feature (save into both pots at the same time)
• Great app
• Find lost pensions (a free service)
• Combine old pensions
• Save tax-free within an ISA
• Also able to save and invest outside of an ISA too
• Pension bonus (25% free from the government)
• Manage your own savings
• Great for self-employed people looking for a pension
• Great for employed people looking to boost their retirement savings
• Excellent customer service (UK based phone support)

Cons

• No financial advice
• Not much else!

Our thoughts

We think Beach is a great option to save and invest for your future, especially if you’re not confident investing or have much investing knowledge (which is totally fine!).

Even if you do know what you are doing, it’s a great option for hands-off investing, with the investments managed by experts.

Beach provides all the right accounts to be set up for success, with an easy access pot for general savings, which includes an ISA (tax-free saving) and an standard account (to save more than the ISA allowance of £20,000 per year), and a pension pot for retirement savings (which has great tax-efficient advantages too).

On top of that, the investments are suited to long term investing, with the easy access pot containing a balanced investment suitable for the majority of people. It’s designed to gradually grow over the years sensibly (although there’s no guarantees of course).

The pension pot has investments suited towards your age group, so you don’t have to worry about that side of things either. And the investments will continually adjust to keep you on the right track for retirement.

Alongside that, you can combine old pensions into one pot. A great option to manage your retirement savings in one place, and if you’ve lost any old pensions over the years, Beach can find these for you too (and this service is free, so even better).

The customer service is excellent with in-app, email and WhatsApp in the UK. They just don’t provide financial advice, but can help with other issues (such as with your account).

The app itself is easy to use, and easy to navigate around, with a total balance to show you your total savings amount.

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