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Aviva pension review: charges, reviews and verdict

The UK's largest insurer, covering workplace and personal pensions

4 on Trustpilot (Great)Charges verified July 2026

The short version

Aviva runs pensions for millions of UK employees and offers a self-managed personal pension at 0.35% a year, dropping to nothing above £500,000. For a mainstream provider with full drawdown support, that pricing holds up well.

The experience depends on which Aviva you get. A modern workplace scheme in the app is slick; an older policy inherited through an acquisition may carry higher charges. If you hold an old Aviva pot, checking the actual charge is the single most useful thing you can do.

Best for: Consolidating old pots with a household name, and workplace savers who want to manage everything in one app.

Aviva pension charges

Annual charge0.35% up to £500k on the personal pension (nothing above £500k)
Workplace scheme chargeSet by your employer's scheme, capped at 0.75% for auto-enrolment defaults
Fund chargesTypically 0.10% to 0.90% on top, most Aviva funds around 0.35%
Contribution chargeNone
Transfers inFree
DrawdownIncluded
  • Workplace charges vary by employer scheme, so check your own scheme documents.
  • The personal pension charge steps down as your pot grows and stops entirely above £500,000.

Verified July 2026 against Aviva's published information. Workplace scheme terms vary, so check your own scheme documents.

What the reviews say

Aviva scores 4 out of 5 on Trustpilot (Great) from a very large review base, mostly insurance customers.

The MyAviva app and the convenience of seeing pensions alongside insurance get consistent positive mentions.

Filtering reviews to pensions specifically shows a more mixed picture, with complaints about transfer delays and call wait times.

Pros and cons

Where it wins

  • 0.35% personal pension charge is competitive for an insurer
  • Huge fund range and ready-made options
  • Strong app and online servicing
  • Financially, one of the UK's most substantial providers

Where it loses

  • Workplace scheme quality depends entirely on what your employer negotiated
  • Fund charges on top can push the total cost close to 1%
  • Pension-specific service reviews are weaker than the headline rating

Other providers to consider

Royal LondonMutual insurer that shares profits with pension membersScottish WidowsLloyds Banking Group's pension arm, integrated with Lloyds and Halifax bankingNestThe government-backed auto-enrolment scheme covering a third of UK workersPensionBeeApp-first pension consolidation with one pot and one clear feeStandard LifeOne of the UK's oldest insurers, now part of Standard Life plc (formerly Phoenix Group)

Considering a SIPP instead? Compare costs on our UK broker comparison, or read the SIPP guide.

Knowing your provider is step one. Knowing your number is the win.

Delphina pulls your pensions, ISAs and savings into one 30-year projection and shows you whether Aviva and the rest of your money add up to the retirement you want.

See if you are on trackTry the retirement timeline

Pension transfers can be irreversible. This page is information, not financial advice.