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Pensions
With a Bank of Scotland personal pension, you can build your future with confidence.
Welcome to Bank of Scotland Personal Pensions
Ready-Made Pension
If you prefer experts to take care of your investments, our Ready-Made Pensions keep things simple.
- Scottish Widows manage your investments on your behalf.
- A hands-off, easy-to-understand way to save for retirement.
- Competitive fees you can feel confident about.
It's a dependable way to build towards the future you have in mind.
Self-Invested Personal Pension (SIPP)
If you'd like more control, a SIPP gives you the freedom to shape your pension your way.
- Choose from a wide range of investments.
- Get started with just £1.
- Capped admin fees, make the most of your money for the future.
It's a flexible option for those who want to take an active role in planning their retirement.
Scottish Widows: our trusted retirement partner
Your pension is supported by Scottish Widows - a name long associated with financial strength and expertise, and part of the same group as us. With over 200 years of experience, they're here to help guide you when the time comes to take your pension.
Why choose a Bank of Scotland Pension?
When it comes to saving for later life, you want a pension you can rely on. For generations, people across Scotland have trusted us to help them look after their money, and that same commitment continues today.
- A name you can depend on: Bank of Scotland, together with Scottish Widows, supports customers across the UK with long-standing experience in pensions and retirement.
- Simple to manage: Keep an eye on your pension anytime through online Banking or the mobile Banking app.
- Competitive fees: Straightforward charges, so you always know what you're paying.
- Flexible contributions: Pay in regularly or make one-off payments whenever it suits you. Limited Company Directors can also contribute through their business with a SIPP.
- Free to transfer: Bring your old pensions together in one place at no extra cost.
- Easy to get started: Apply online or through the app in just a few minutes.
Planning for your future
Pensions for the self-employed
Running your own business takes dedication. Planning for retirement is part of that.
Our pension options give you flexibility and control, with clear, straightforward information to help you save for later life.
Taking money from your pension
When the time comes to take your pension, we can guide you through your options and help you choose what's right for you.
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Our pension guides and expert sessions are here to support you.