Personal Pensions Release


Release Cash from your Personal Pension

How It Works More Information

Are you looking to withdraw cash from your pension? The Pension Freedom & Choice Rules allow you to release cash provided you are aged 55 or over.

However, before you do, you should consider the implications of withdrawing more than the Tax-Free Cash amount. Withdrawing any cash over the Tax-Free Cash amount, means the level of contributions you & your employer can pay into your pension tax efficiently will be severely reduced! Also, any cash withdrawn over the Tax-Free Cash amount will be liable to Income Tax!

That’s why we endorse you only take the Tax-Free Cash. The Tax-Free Cash amount is usually 25% of the value of your pension. If you do need additional cash from your pension we can still help.

Unfortunately, not all pension providers (e.g. Phoenix Life, Reassure, Aegon & Zurich to name a few) have a pension product which allows you to only withdraw the Tax-Free Cash. If your pension is with one of these providers and you want to withdraw the Tax-Free Cash only, we can help.

Start your enquiry below.

Do you have a pension with a Guaranteed Annuity Rate (GAR)? If you do, and wish to access the Tax Free Cash, or withdraw the entire pension, you will need to obtain financial advice. We can help – start your enquiry below.

Start your no obligation, confidential enquiry by completing the form below. Alternatively call us on 0800 177 7794.

Do NOT complete an enquiry if your pension fund is less than £10,000, if your pension is an annuity, or the Basic State Pension.

Discover how much cash you can release from your pension

Why use Pensions Matter? We have been helping people release Tax Free Cash from their pensions since 2005. We are UK FCA Regulated Pension Advisers. With our expert guidance the release of your cash will be dealt with effectively, properly and efficiently. It is possible to release cash from the majority of UK pensions with the right help and guidance.

Four Easy Steps to Release your Cash

  1. Complete the “I am Interested” sections
  2. Enter the details of the pension/s you are considering releasing cash from
  3. We will research how much cash you can release
  4. If you decide to release the cash, we will arrange a transfer to a pension which can facilitate the release of your cash


This service only applies to pensions in the UK. Taking benefits early (pension release) will almost certainly reduce your pension income in retirement and is only suitable for a limited number of people and circumstances.