Yes, you can pay into PensionBee once you have an account, and it says an employer can contribute too, if the employer agrees to send the money there.
PensionBee's contribution page describes one-off or monthly payments from your own bank account, with no minimum. Whether your employer will redirect its payments, and what that does to your tax position, depends on your circumstances. Splitting money between PensionBee and an employer scheme is a judgement call; an FCA-authorised adviser will set the two side by side with you, free, once your name and number come in from the form on this page.
How can you pay into your PensionBee pension?
PensionBee says you can "make one-off payments or set up monthly personal contributions to your PensionBee pension". Its page names two routes: you can "contribute once or on a regular basis with Easy bank transfer or by setting up a regular bank transfer". It says adding money takes just a few clicks, or taps in the app.
There is no minimum to meet: PensionBee says "there are no minimum contributions, so you can save any amount, as often as you like". What you pay in is invested like the rest of your pot, so its value can fall as well as rise and you may get back less than you put in. PensionBee puts it as "with pensions, your capital is at risk".
Does PensionBee take payments from your employer?
PensionBee says that if you are in a workplace pension, "usually your employer adds money to your pension too", and that you can "ask them to pay directly into your PensionBee pension instead". PensionBee puts this as a request, so whether your employer's money can go there is a question for your employer.
PensionBee picks out company directors. PensionBee says a director "can make both personal and employer contributions to your pension", and the tax treatment of company payments is covered in pensions for limited company directors. Anyone working for themselves can read PensionBee for the self-employed.
More generally, employer contributions to a personal pension or SIPP looks at paying into something other than the workplace scheme.
What tax relief and limits apply to what goes in?
On your own payments, GOV.UK says you can get tax relief worth up to 100% of your annual earnings. Under relief at source, GOV.UK explains, the pension provider reclaims the basic rate for you, and the money arrives inside the pot. PensionBee's version is that most basic rate taxpayers get a 25% top up from HMRC on eligible contributions, which it claims for you. Higher-rate taxpayers may need to claim more through Self Assessment, and Scotland's rates differ: pension tax relief has the detail.
Employer money is treated differently. PensionBee says tax relief is not applied to employer contributions. The annual allowance counts everything going in: PensionBee gives the standard allowance for personal, employer and third-party contributions together as £60,000 for 2026/27, which matches GOV.UK's figure for this tax year. Some people have a different allowance, as the annual allowance page explains. On the tax relief side, PensionBee says most eligible savers can get relief on personal and third-party payments up to 100% of salary, capped at the same £60,000, which is a limit to keep in mind if you are paying in from several directions at once.
To see what different amounts might add up to, PensionBee offers a Pension Calculator and a Pension Tax Relief Calculator on its site. They are the firm's own tools, so treat the results as illustrations.
Is there a charge for adding money?
PensionBee describes "one fee that covers everything including transferring your pensions, switching plans, contributing to or withdrawing from your pension". In practice that is a single annual charge rather than a cost per payment. The amounts are on the PensionBee fees page, and the plans behind them on PensionBee's plans.
Can a company cut its pension payments?
It depends on the scheme and on your contract. If you were automatically enrolled, GOV.UK says both sides pay a percentage of earnings, and that what counts as earnings depends on the scheme your employer has chosen. Its table of minimums, in force since April 2019, puts the employer at 3%, you at 5%, and the total at 8%. Those amounts "could be higher for you or your employer because of your pension scheme rules". Whether an employer paying above the minimum can lower it is a point for your scheme documents or the employer. For your own side, see the workplace pension minimum and pausing contributions.
Unsure how redirecting employer money to PensionBee would sit with what your employer owes you? An FCA-authorised adviser can unpick that by phone without charge, once your number arrives through the form.
More questions about paying into PensionBee
Can I pay into PensionBee and my workplace pension together?
PensionBee says you can "pay into multiple pensions at a time - including your workplace pension and any other private pensions - up to an annual limit". The limit is the annual allowance above.
Can I start with just a small amount?
Yes. PensionBee sets no minimum contribution, so any amount will do. Small regular payments still attract the tax top up described above where you qualify, and a larger lump sum is covered at tax relief on a lump sum.
Can someone else pay into my PensionBee pension?
Yes. PensionBee refers to third-party contributions, which count towards the annual allowance alongside your own and your employer's. For a partner paying in, see paying into a spouse's pension.
How much should I be paying in?
That depends on the retirement you want, which how much pension you need covers. For a monthly sum that fits your own plans, an FCA-authorised adviser can work one out with you on a free call; request yours from the form on this page.
PensionBee details come from its contribution and fees pages, read on 1 November and 26 October 2026; employer minimums and tax relief from GOV.UK, read on 26 October 2026.