The UK's largest insurer, covering workplace and personal pensions
Aviva's charges are one part of the picture. Is your pension pot actually on track?
See if you're on trackFree to check. No card required. Takes about two minutes.
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.
| Annual charge | 0.35% up to £500k on the personal pension (nothing above £500k) |
|---|---|
| Workplace scheme charge | Set by your employer's scheme, capped at 0.75% for auto-enrolment defaults |
| Fund charges | Typically 0.10% to 0.90% on top, most Aviva funds around 0.35% |
| Contribution charge | None |
| Transfers in | Free |
| Drawdown | Included |
Verified July 2026 against Aviva's published information. Workplace scheme terms vary, so check your own scheme documents.
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.
Aviva's annual charge is 0.35% up to £500k on the personal pension (nothing above £500k). Fund charges are typically 0.10% to 0.90% on top, most Aviva funds around 0.35%. There is no charge on contributions. Charges verified July 2026 against Aviva's published information.
Aviva charges 0.35% up to £500k on the personal pension (nothing above £500k). For context, the charge cap on an auto-enrolment workplace default fund is 0.75% a year. In a workplace scheme the charge is set by your employer's scheme, capped at 0.75% for auto-enrolment defaults. Workplace charges vary by employer scheme, so check your own scheme documents.
Transfers in are free. Drawdown is included. UK providers cannot charge an early exit fee if you are 55 or over on a personal pension, and exit charges on other contracts are capped at 1%.
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. It suits consolidating old pots with a household name, and workplace savers who want to manage everything in one app.
Your annual statement shows the charge as a percentage and, since 2018, providers must also show it in pounds and pence. The personal pension charge steps down as your pot grows and stops entirely above £500,000. If your pension came through an employer, the scheme booklet will state the charge your employer negotiated, which is often lower than the standard rate.
Considering a SIPP instead? Compare costs on our UK broker comparison, or read the SIPP guide.
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.
Free to check. No card required. Takes about two minutes.
Pension transfers can be irreversible. This page is information, not financial advice.