Standard Life UK Reviews 

1,730
TrustScore 3 out of 5

3.0

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Review summary

Created with AI, based on recent reviews

Considering 418 reviews, most reviewers were somewhat happy with their experience overall. Consumers generally find the process of transferring and combining pensions straightforward and easy to complete online. Many customers mention that the digital platform allows them to manage their funds smoothly with minimal effort. Others deeply appreciate the helpful guidance provided by knowledgeable and friendly advisors during their consultations. Some reviewers were not happy with lengthy delays regarding pension payouts and complicated fund transfers. These customers also experienced frustrating communication breakdowns and unresponsive customer support when seeking urgent assistance. Additionally, individuals struggled with unhelpful responses and prolonged waiting times when trying to resolve important issues.

What people talk about most

Service

Clients share ambiguous opinions on service, with some reviewers reporting super efficient pension... See more

Customer service

People report negative experiences with customer service, often describing the support as appalling and... See more

Payment

Users describe negative interactions with payment, expressing deep frustration over prolonged delays and... See more

Response time

Reviewers highlight negative aspects of response time, noting prolonged delays and severe communication gaps.... See more

Staff

Customers had ambiguous experiences with staff, reflecting high disagreement on their professionalism and... See more

Reviews shaping this summary

Rated 2 out of 5 stars

Unbelievable customer service in a negative way 3 emails for an instruction to reduce direct debit -no response . 1 phone call to them from overseas for 50 mins with a commitment to res... See more

Company replied

Rated 2 out of 5 stars

Poor communication between Phoenix and Standard Life, not being informed of the correct process / procedures ( had 3 different answers from members of the same team?) Still waiting for my money after... See more

Company replied

Rated 2 out of 5 stars

Wanted to withdraw money from my pension plan. It was a very slow process with repeated assurances that it would be resolved within a time frame and then never was.

Company replied

Rated 5 out of 5 stars

As I’m approaching 75, I decided to leave Standard life, where my fund has done well. I wanted to combine my two pensions in one fund so it’s easy to withdraw. I called them, they told me what... See more

Company replied


Company details

  1. Non-Bank Financial Service
  2. Pension Office

Written by the company

Life is full of choices and Standard Life is here to help you make good ones with your life savings. We believe there’s a lot to look forward to.


Contact info

3.0

Average

TrustScore 3 out of 5

2K reviews

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3-star
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1-star

No recent history of asking for reviews

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3.0

All reviews

(1,730)

402 reviews in the last 12 months

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Rated 1 out of 5 stars

If you’re trying to transfer a pension…

If you’re trying to transfer a pension from another provide then good luck. I have phoned twice and each time passed from one dept to another and NO-ONE seems to know what they’re doing after giving g them a detailed description of what my situation was - even my 4 yr old Granddaughter would understand. When I eventually spoke to someone who had a rough idea I got cut off, when I phone back (total phone time over 45 minutes at this stage). Lil Miss Snowflake ended the call as she couldn’t tell the difference between being exasperated and what in her opinion was shouting. Absolute shambles with armatures on the phone

January 22, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi David. We’re sorry to hear you’ve not been satisfied with your experience with us. We’re committed to providing you with great customer service and we’ll do all we can to make this right. We’ve sent an email through Trustpilot requesting some more information, as it will help us to look into your concerns and investigate further. Thanks, Shane at Standard Life.

Rated 2 out of 5 stars

You are on your own with this company.

Most communications / Newsletters are fairly empty of any useful information. Very high-level and generic. Overall, the lifestyle profiles are terrible in terms of performance

January 21, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Northern Loon. we’re sorry to hear you’re disappointed with your pension’s performance. While this type of fund will try and make sure you get the best return possible, your pension savings will still be exposed to risk. Pensions span a long investment period – and nobody knows what the future will bring.

We also have a number of articles and guides relating to investments on our website which you might find useful:

https://www.standardlife.co.uk/articles/article-page/market-fluctuations-and-pension-investments

We’ve noted your feedback on communications / Newsletters and will do our best to improve in the future.

Thanks,Shaun at Standard Life.

Rated 5 out of 5 stars

Excellent service

Excellent service. Did not take long to have my pension transferred.

December 4, 2025
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Claire. We’re happy you’ve had a great experience with us and thank you for taking the time to leave us 5 stars.Shaun at Standard Life.

Rated 5 out of 5 stars

i have twice asked for money from my…

i have twice asked for money from my Pension Funds - both times went without any issues and the follow up emails saying what stage my request was at was the best of any company ive dealt with - great company

January 21, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Gary. We’re happy you’ve had a great experience with us and thank you for taking the time to leave us 5 stars. Shaun at Standard Life.

Rated 5 out of 5 stars

Brilliant service always easy to talk…

Brilliant service always easy to talk to and so helpful much better that other companies I have dealt with

Barry

January 20, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

That’s great news Barry and we’re glad to hear you had a great experience. Shaun at Standard Life.

Rated 1 out of 5 stars

oOOPS SOMETHING WENT WRONG , AGAIN, AND AGAIN, AND AGAIN

This says it all, get used to reading it when you want to see your pension performance .......
"OOps Sorry something went Wrong

We will investigate it and get back to you"

Trouble is it always goes wrong, they never investigate it, and they never get back to you.

Why not take your investment money and set fire to it....the result will be the same . STAY CLEAR THESE PEOPLE ARE Incompetent
Now they want more information from me , in order to recognize that their website is always unavailable. Denial of the bleadin obvious is how to describe this . If they are so concerned about their customer service why are there so many awful reviews on this website. These people live under a delusion that they provide a good service . Total BS .

January 16, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Tedfred. We’re sorry to hear you’ve not been satisfied with your experience with us. We’re committed to providing you with great customer service and we’ll do all we can to make this right. We’ve sent an email through Trustpilot requesting some more information, as it will help us to look into your concerns and investigate further. Thanks, Shane at Standard Life.

Rated 1 out of 5 stars

Do not trust this company ,useless…

Do not trust this company ,useless customer service , they mute their calls not putting you on hold like they say and listen in and record you , whilst you think you cant be heard .
Also their paperwork says one thing in big type but in small print says another .. so they back track and cost you money and its your fault
Wish i had never transferred to into this company

December 1, 2025
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi J Keith. We’re always here to help our customers with any queries in relation to their pension with Standard Life. We’re really sorry to hear you’ve not been satisfied with your experience with us and a complaint was necessary to address your concern, our complaints team has reviewed your case and issued a final response to you previously. Many thanks, Shane at Standard Life.

Rated 4 out of 5 stars

Transfer of pension from another…

Transfer of pension from another provider to Standard life, really easy and quick, within a week. Didn't give them a 5 rating because they sent a text to my partner regarding the transfer, bit of a breach in security 🙁

January 12, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi John. We’re pleased to hear of your positive experience with us. We value our customers’ input and want to thank you taking the time to leave us 4-stars. We’re keen to provide you with that 5-star experience we aim for so we will pass on your comments to the team responsible. Many thanks, Shane at Standard Life.

Rated 1 out of 5 stars

If you have money in standard life

If you have money in standard life, I advise moving it ASAP. The service seems great to begin with, recieving a timescale for a withdrawal from my drawdown plan and get it set up, which I had based a house move on (which we may lose due to this), and SL being fully aware of this. The timescale was 3-4 weeks, whixh seemed reasonable. After chasing this up close to the end of the timescale, I expressed concern and was told this had been made priority and should be resolved in 2-4 days. I am now coming up to week 7 with absoloutely no progress.
Noone seems to have any idea what's going on, they apparently have an admin department in which noone can actually reach because there is no internal contact number and noone is responding to emails, there is no accountability and the entire process I have been passed from pillar to post.

December 1, 2025
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Vicki. We’re sorry to hear you’ve not been satisfied with your experience with us. We’re committed to providing you with great customer service and we’ll do all we can to make this right. We’ve sent an email through Trustpilot requesting some more information, as it will help us to look into your concerns and investigate further. Thanks, Shane at Standard Life.

Rated 1 out of 5 stars

I requested to withdraw a lump sum from…

I requested to withdraw a lump sum from my persion 5 weeks ago and since then I have had no correspondence from them confirming this is going ahead. When I contact them they are unable to give a timescsale on when I will receive the money and it is impossible to speak or converse with anyone who can help

They give empty promises about excalating this etc. but it is all guff and no communications regarding when I will get the payment are forthcoming

No one more senior than customer service will speak to you, they hide like cowards behind the CS staff and there is no one with the spinal fortude to actually talk to a customer, to justify why you are treated in this manner

I'm sure they will reply with the same empty lies about being commited to offering great customer service but the reality is that the opposite is true

Please think twice about using this company

January 15, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Mr Shenton. Thank you for taking the time to give your feedback. We’ve had a look into this and can see our Complaints team is investigating this for you. We recognise the importance of your query and our team will respond as quickly as possible. Many thanks for your patience, Shane at Standard Life.

Rated 1 out of 5 stars

Sub standard experience

At this moment I think they should be called sub standard .I be been waiting for some funds from them for six weeks .they said it would take 10 working days..they then asked for some more info ..I sent it ..through a very difficult portal ..I asked if I could just email ..they said no..then they said they needed something else ..why not ask for everything in one go.i then asked what I need to complete this process or do I need to take it further ..they then just sent me a complaint form..again not helpful..

December 10, 2025
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Rupert. We’re sorry to hear you’ve not been satisfied with your experience with us. We’re committed to providing you with great customer service and we’ll do all we can to make this right. We’ve sent an email through Trustpilot requesting some more information, as it will help us to look into your concerns and investigate further. Thanks, Shane at Standard Life.

Rated 1 out of 5 stars

So where do i begin

So where do i begin, instructed this company to draw down my cash free lump sum sent the relevant documents to them four weeks pass, and i have not heard anything, so i call them and they were meant to send me a email asking for my bank details, surprise never got said email, shock!!!! They now want me to send the bank statement to confirm this is my bank, jesus has not anyone heard of communication. I am now thinking of taking my pension out of this company and sending it to Scottish Widows. Once the pull down has been completed, i will be shutting my account! It has taken me a hour to sort this mess out!

January 15, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Edit: Hi Samantha. Thank you for taking the time to give your feedback. We’ve had a look into this and can see our Complaints team is investigating this for you. We recognise the importance of your query and our team will respond as quickly as possible. Many thanks for your patience, Shane at Standard Life.

Rated 1 out of 5 stars

This site does not work it would not…

This site does not work it would not register my username or password it has completely failed to let me access my account.

January 14, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Mr Miller. We’re sorry to hear you’ve not been satisfied with your experience with us. We’re committed to providing you with great customer service and we’ll do all we can to make this right. Thanks, Shane at Standard Life.

Rated 3 out of 5 stars

Great in terms of investment

Great in terms of investment, lovely customer service people on the phone. Sadly I've had to nudge as per keeping a paper trail in terms of confirming agreements. I feel like Ive been left a bit hanging.

January 13, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Lucy. We’re pleased to hear of your positive experience with us. We value our customers’ input and want to thank you taking the time to leave us 3-stars. We’re keen to provide you with that 5-star experience we aim for so. We’ve sent an email through Trustpilot requesting some more information, as it will help us to look into your concerns and investigate further.. Many thanks, Shaun at Standard Life.

Rated 1 out of 5 stars

Standard Life kept over 10% of my pension and final contributions when I left them

I requested to transfer my pension from standard life back in September but the transfer only occurred in January much after the initial request.

My investments accrued over this time by 10%, however when standard life finally made the transfer, they only transferred the value as of the date I initially requested. They of course kept the profits accumulated over this period which is quite ridiculous considering it is my investments and the funds were still invested which I could see through my online account.

In addition to this, the reason for their delay was that they hadn’t received my employers final contributions. It appears that they have also kept my employers final contributions sent to the account as the date and associated value they have paid out to me is dated before my final contributions were made.

I have tried to reach out and understand the situation and have not been provided with any sort of clarity on the situation at all. Customer service has been very bad at reaching out to me.

All I can advise is get your pension away from Standard Life as soon as possible as the treatment I have received has been abysmal. You are also at risk of losing a significant amount of your pension if you try to move away so avoid at all costs.

January 10, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Edit: Hi Eddie. Thank you for taking the time to give your feedback. We’ve had a look into this and can see our Complaints team is investigating this for you. We recognise the importance of your query and our team will respond as quickly as possible. Many thanks for your patience, Shane at Standard Life.

Rated 3 out of 5 stars

Ech𝘰mine𝘴 is far more better

Ech𝘰mine𝘴 is far more better, They deliver, and stick to their promises. No excuses. Over here is a different case,Worst sipp ever, holding money in an entity that doesnt progress with the present technological shift is a no-no

December 10, 2025
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Moses. We’re sorry to hear you’ve not been satisfied with your experience with us. We’re committed to providing you with great customer service and we’ll do all we can to make this right. We’ve sent an email through Trustpilot requesting some more information, as it will help us to look into your concerns and investigate further. Thanks, Shane at Standard Life.

Rated 1 out of 5 stars

Shockingly bad management

I have a "Investment
Pathway Option 2 Fund: I plan
to use my money to set up a
guaranteed income (annuity)
within the next 5 years"
And in a rising market this has managed to lose 30% of its value in 5 years; how do you do that?!! The point is to preserve value as you get new drawdown.

January 9, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Nick, we’re sorry to hear you’re disappointed with your pension’s performance. While this type of fund will try and make sure you get the best return possible, your pension savings will still be exposed to risk. Pensions span a long investment period – and nobody knows what the future will bring.

We also have a number of articles and guides relating to investments on our website which you might find useful:
https://www.standardlife.co.uk/articles/article-page/market-fluctuations-and-pension-investments

Shane at Standard Life.

Rated 1 out of 5 stars

Call centre wait times up to 1 hour

Call centre wait times unacceptable. No call back option. Be prepared for a long wait. It would be quicker getting a doctors appointment! Standard Life, get your act together, and recruit enough staff to handle your call volumes efficiently and quickly.

January 7, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi AndyW, We're sorry to hear you've not been satisfied with your experience with us. We've noted your feedback on call wait times and will do our best to improve in the future. Thanks, Shaun at Standard Life

Rated 5 out of 5 stars

Fast & Efficient.

Excellent, easy online request followed by fast and efficient transfer of funds from another provider.

January 7, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Andrew. We're happy you've had a good experience with us and thank you for taking the time to leave us 5 stars. Shaun at Standard Life

Rated 4 out of 5 stars

No issue with app transferring funds

Transferred a secondary pension fund to create one larger portfolio. No issue. Straight forward. Funds in the account two days earlier than expected. Will be doing again with a further pension fund.

January 5, 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Colin. We’re happy you’ve had a great experience with us and thank you for taking the time to leave us 5 stars. Shane at Standard Life.

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