Penfold Pensions Ltd

Who Is Penfold Pensions Ltd?

Founded with a mission to make pensions more accessible, intuitive, and engaging, Penfold Pensions Ltd is a forward-thinking UK-based digital pension provider.

The company was incorporated on 25 February 2005 under the legal name PENFOLD (UK) LTD (Company No. 05376133). Penfold was created to disrupt the outdated pension experience that has historically left individuals confused and disengaged.

Through a combination of modern technology, user-friendly design, and exceptional customer service, Penfold simplifies pension management for individuals, employers, and financial advisers alike.

Penfold’s services cater to the growing demand for transparency, flexibility, and control over retirement savings. With their motto “Pensions that work better for everyone”, Penfold offers a streamlined and rewarding experience for savers and businesses, with the added benefit of compliance, tax efficiency, and time-saving features.

Whether you’re a startup offering auto-enrolment to employees or a self-employed individual looking to consolidate personal pensions, Penfold delivers a trusted and seamless pension solution for every stage of life.

Who Are the Key Leaders Behind Penfold Pensions Ltd?

Penfold is led by a team of innovative professionals and structured as a UK limited company. Its official company secretary is SHORE SECRETARIES LIMITED, and its active director is:

While Rupert Murphy is the listed director, the face of Penfold in the fintech and pensions space is its modern digital brand and operational leadership that runs the day-to-day platform and innovation initiatives.

Their team includes product developers, customer success experts, and financial professionals committed to reinventing retirement savings for the digital age.

What Are the Capital Strengths and Financial Milestones of Penfold?

Penfold Pensions Ltd is a privately held UK limited company. As of its last available filings, the company remains active and in good standing.

While specific turnover and revenue data is not disclosed publicly, Penfold has shown strong traction in the digital pensions market, servicing thousands of UK businesses and countless individual users.

With a high Trustpilot rating (4.8/5), it’s clear the company has earned the trust of its users through reliable service and intuitive technology.

What Services and Features Does Penfold Pensions Ltd Offer?

Penfold delivers a broad spectrum of services that transform the pension experience across different user groups. Their solutions are segmented into three key markets: Individuals, Employers, and Financial Advisors.

For Individuals

• Pension App: A beautifully designed mobile platform to manage pensions on-the-go.
• Pension Consolidation: Easily locate and combine multiple old pensions.
• Flexible Contributions: Users can adjust or top up their contributions at any time.
• Investment Options: Choose from different plans aligned with personal values and risk appetite.
• Future Forecasting: Tools that help users visualise their retirement goals.

For Employers

• Auto-Enrolment Pensions: Fully HMRC-compliant workplace pension schemes.
• Salary Sacrifice Support: Helps businesses and employees save on National Insurance.
• Zero Fees for Businesses: Penfold does not charge employers setup or ongoing fees.
• Dedicated Platform: Manage pension contributions, track employee status, and ensure compliance.
• Account Management: As companies grow, a dedicated account manager is assigned.

For Financial Advisors

• Time-Saving Admin Tools: Penfold simplifies pension management for financial professionals.
• White-Labelled Access: Provide a tailored experience for clients.
• Ongoing Support: Advisors receive dedicated assistance to onboard and manage clients.
• Zero Setup Costs: Making it simple and cost-effective to implement for practices of all sizes.

What Sets Penfold Apart from Traditional Pension Providers?

Penfold is redefining workplace pensions by making them simpler, smarter, and more engaging for both employers and employees. With a digital-first approach, it stands out from traditional providers in several key ways.

• Excellent Customer Service: Rated 4.8/5 on Trustpilot with real-human support via app, phone, or email.
• Smart Processing Platform: Businesses and accountants save hours monthly on payroll and pension processing.
• High Engagement Rates: Case studies such as Cuvva reported 88% of staff engaging actively with the platform.
• Trusted by Industry Leaders: Clients include Deel, Paddle, Cuvva, Prolific, Attest, Juro, and more.
• Top App Features: Push notifications, pension value tracking, and seamless contributions tracking make it highly user-friendly.

Penfold’s modern, tech-driven pension solution is designed to reduce admin, boost staff participation, and deliver exceptional support, proving it’s a future-ready alternative to legacy pension systems.

How Can You Contact Penfold Pensions Ltd?

Penfold maintains a strong UK presence and offers multiple contact channels for customer and business inquiries.

Their expert support team is accessible to individuals, employers, and advisers seeking onboarding assistance, technical support, or pension guidance.

What Are Customers Saying About Penfold?

Penfold is widely praised for its efficiency, user-friendliness, and customer-first philosophy. Their clients include some of the most forward-thinking businesses in the UK.

Here are just a few testimonials:

“Implementing Penfold has led to a decrease in our negative ticket numbers and we have far less payroll corrections to facilitate.”

– Michaela, Senior Payroll Expert at Deel

“Penfold dramatically removed all the admin that comes with pensions. It’s one of the tools I just could not live without.”

– Alex Perkins, Senior People Ops Partner at Cuvva

“Penfold’s team of dedicated experts are super responsive and helped us through all the administrative work. I would say to other PeopleOps Leads: ‘Don’t hesitate at all.’”

–  Aileen Walsh, PeopleOps & Data Lead at Paddle

Why Choose Penfold Pensions Ltd?

Penfold Pensions Ltd delivers one of the UK’s most modern, transparent, and customer-focused pension solutions. Designed for today’s digital-first world, Penfold empowers individuals with full control and visibility over their retirement savings through an easy-to-use platform and app.

Businesses benefit from a cost-efficient, compliant, and user-friendly workplace pension scheme that simplifies payroll and boosts employee engagement.

Penfold also appeals to financial advisers seeking a tech-forward platform that puts client experience first. With top-rated service, a 4.8/5 Trustpilot score, and partnerships with respected companies like Deel and Paddle, Penfold is trusted by both individuals and organisations.

Whether you’re planning for retirement, managing workplace pensions, or supporting clients, Penfold offers a fresh, efficient, and reliable alternative to traditional pension providers, helping UK savers take control of their financial future with confidence.