The pension experience providers need, and members expect.
Freedom is a Retirement-as-a-Service platform that keeps members spending connected to their pension provider, by using regulated decumulation infrastructure. Coming soon.
This site is intended for pension providers and institutional partners only.
Made easy.
Freedom announces their partnership with Visa.
Alltrust is deploying Freedom’s Retirement-as-a-Service platform across the UK.
Bringing secure, globally trusted payment infrastructure into the pension environment.
Freedom gives providers a modern, banking-style pensions experience that members instantly recognise and trust, all while assets remain invested and visible.
All their pension accounts, in one place
Pensions feel as usable as a bank account, without ever leaving the provider. Transfer, Request, Exchange, Top-up and Withdraw. All in one place.
A brand they trust
Your brand remains the primary financial interface after retirement begins, across balances, access, and spending. Preserving relevance long after accumulation ends.
A simple, intuitive interface
Real-time access and incremental usage replace paper-based, call-led processes. Operational efficiency is delivered through product design, not ongoing intervention.
A provider-branded Visa card for everyday use
We intend to enable access through provider-branded banking and a Visa card that can be used both in the UK and abroad.
In doing so, Freedom could prevent retirement balances from being externalised to third-party banks. Funds would remain invested until genuinely needed, and revenue-linked balances stay with the provider longer.
Withdrawals
Consumer Duty and Guided Retirement logic will be built directly into journeys: ensuring access is clear, auditable, and regulator-ready at scale.
Actionable insight into real retirement behaviour
Understand how members actually access and use their retirement money, in real time, to enable better forecasting, product decisions, and longer-term engagement strategies.
All their pension accounts, in one place
Pensions feel as usable as a bank account, without ever leaving the provider. Transfer, Request, Exchange, Top-up and Withdraw. All in one place.
A brand they trust
Your brand remains the primary financial interface after retirement begins, across balances, access, and spending. Preserving relevance long after accumulation ends.
A simple, intuitive interface
Real-time access and incremental usage replace paper-based, call-led processes. Operational efficiency is delivered through product design, not ongoing intervention.
A provider-branded Visa card for everyday use
By enabling access through provider-branded banking and a Visa card that can be used both in the UK and abroad, Freedom prevents retirement balances from being externalised to third-party banks. Funds remain invested until genuinely needed, and revenue-linked balances stay provider-adjacent.
Withdrawals
Consumer Duty and Guided Retirement logic will be built directly into journeys — ensuring access is clear, auditable, and regulator-ready at scale.
Actionable insight into real retirement behaviour
Understand how members actually access and use their retirement money, in real time, enabling better forecasting, product decisions, and long-term engagement strategies.
A co-branded solution designed for asset retention.
Built to help members.
Give members peace of mind knowing they can access money quickly if they need to.
Let members actually understand what’s happening with their retirement money.
Let Steven book the trip. Paid straight from his pension.
Supports your member's daily life, not just their pension savings.
Illustravtive examples of the members experience Freedom is designed to deliver.
Our goal? To give providers a way to stay present and connected to members at retirement.
We support asset retention, operational efficiency and deeper member engagement.
Retention
Offer flexible solutions to keep members engaged and funds under management longer.
Revenue growth
Earn additional revenue through transaction fees, interest on balances and smarter spending.
Operational efficiency
Automate processes such as tax compliance, and reporting, for better results.
Lower cost-to-serve
Product-led access replaces manual intervention, reducing call volumes and back office administration, processing overhead, and operational friction.
Stronger engagement
Freedom keeps providers visible at the point of spending, preserving engagement when most pension providers lose touch.
Regulator-ready at scale
Guidance, clarity, and tax logic are embedded directly into the experience, ensuring consistency and control as volumes grow.
The UK data makes it clear.
Key metrics on the impact Freedom offers to providers.
£0 Trillion
The UK pensions market is roughly £3 trillion in size, making it a core pillar of long-term savings and institutional capital.
£0 Billion
The retention gap. It is estimated that 10 - 15% the assets under management are lost on a yearly basis.
0%
30–40% of defined contribution pension pots are partially or fully withdrawn within the first year of access.
0%
Over 70% of pension savers take their full 25% tax-free lump sum out of their provider as soon as they’re eligible.
0 Months
Most retirees move pension withdrawals into a bank account within 6 months, not for yield, but for familiarity and perceived safety.
£0
Manual drawdown servicing typically costs pension providers £200–£400 per member annually.
Updates, product developments, and thinking from Freedom.
News, announcements, and insights to shape the future of retirement.
Freedom Joins Microsoft for Startups to Accelerate Innovation and Growth
June 11, 2026
Smart Friction: Why the Best Financial Products Know When to Slow Down
May 31, 2026
Spending time, spending money
April 30, 2026
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Freedom Chairman, Charles McManus, featured in FT Advisor on the future of pension technology
March 18, 2026
Freedom is delighted to be recognised as a shortlisted finalist in the City AM Awards 2026 for Innovative Company of the Year
March 18, 2026
Alltrust embeds banking infrastructure at retirement in strategic response to shifting competitive landscape
February 25, 2026
© 2026, Financial Freedom Services LTD. 16729560. All rights reserved.
This website is intended solely for pension providers, trustees, and institutional partners evaluating Freedom's infrastructure solutions. It is not directed at, and should not be relied upon by, pension scheme members or individual consumers. Some products and features referenced on this site are in development and not yet available. These are presented to illustrate Freedom's intended proposition and roadmap. They should not be construed as currently available offerings. Availability is subject to regulatory approval, partner integration, and eligibility criteria. If you are a pension scheme member seeking information about your retirement savings, please contact your pension provider directly.