Royal Bank Invest Pension

Planning for retirement

Why a Royal Bank Invest Pension?

24/7 online access

You’ll always have transparency over your money. Keep track, add a lump sum, and set up or change monthly payments whenever you like – within Royal Bank Invest, accessible via the mobile app and Digital Banking.

Aligned to your goals

Five ready-made funds – choose the one that suits your retirement goals and investment style. Start from £50.

Expertly managed

Your money is looked after by a team of experienced investment managers at Coutts, who manage the fund, and by Embark who provide and operate your pension.

Low fees

We’ve kept fees low so you keep more of your money.

Retirement? Sorted. It's simple and quick to set up or transfer a pension with Royal Bank Invest.

How it works

Select the amount

Choose the amount you want to put away each month towards your pension. Get instant tax relief on what you pay in – a payment of £100 into your pension turns into £125 (limits apply). If you have any existing pensions, select the pension(s) you would like to transfer.

Choose your risk level and review fund projections

Five ready-made funds to match your retirement goals and investment style. You’ll also learn how your investment could perform over time.

Transfer your existing pension(s) or pay in to your pension

You can make one-off contributions and set up monthly payments. If you have any existing pensions, you can transfer them by providing your pension reference numbers. Your existing provider might charge fees for the transfer.

Two simple ways to open a Royal Bank Invest Pension

Looking to set up a new or additional pension?

Could you reach your retirement goals sooner?

You can save into more than one pension at the same time, so if you already have a pension you can open another to save more.

Start from £50 and make lump sum or regular monthly cash payments. It's quick and easy to set up, you will need your national insurance number to begin.

Already have a pension?

If you've ever changed jobs, you may have a few different pension pots.

Managing multiple pensions in one place could make it easier to plan for the future.

You could transfer your existing pension(s) to us by providing your pension reference numbers which you will be able to find on a recent statement or pension portal. You can also make lump sum or regular monthly payments.

Your top questions answered

Learn more about investments

Whether you’re an experienced investor or just finding out what investing is, we’ve got a range of articles to help you understand more about investing.

We regularly update our articles depending on what’s happening in the market so check back for future updates.

Anything else we can help you with?