Standard Life UK Reviews 

1,761
TrustScore 3 out of 5

3.0

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Review summary

Created with AI, based on recent reviews

Evaluating 414 reviews, most reviewers were somewhat happy with their experience overall. Many customers frequently find the online pension transfer process very straightforward, mentioning that moving funds between different financial accounts is usually completed quite efficiently. Many people warmly appreciate the polite and knowledgeable advisors who guide them step-by-step through opening accounts and successfully combining policies without facing major complications. Some reviewers were not happy with unexpected waiting times and severe delays when trying to receive their pension payouts or cash withdrawals. Consumers also noted experiencing poor communication, unhelpful customer service responses, and persistent difficulties getting direct answers regarding missing or delayed payments.

What people talk about most

Service

Users describe ambiguous interactions with service, highlighting a stark division in customer experiences.... See more

Customer service

Clients share negative opinions on customer service, highlighting widespread frustration and a strong... See more

Payment

Reviewers mention negative feedback about payment, reporting significant delays and payment discrepancies... See more

Response time

Customers consistently note negative experiences with response time, highlighting long delays and... See more

Staff

Customers had ambiguous experiences with staff, highlighting both highly professional interactions and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

SL have dealt with my pension and kept it simple, there is a personable person at the end of the phone, but what I also found great was their messaging service 😀 good work SL

Company replied

Rated 4 out of 5 stars

I took out a pension plan some time in the 1980's before online technology , all my correspondence since then has been via post. I recently tried to set up an online account which failed , I p... See more

Company replied

Rated 5 out of 5 stars

Well, as I previously mentioned, I had my worries in the first beginning, but I had to admit it was my lack of knowledge, being inpatient as well for which I’m apologising once more to them🙏…I want... See more

Company replied

Rated 5 out of 5 stars

I didn’t choose Standard Life, my employer did. Having said that I have nothing but praise for them. I’ve consolidated pensions from 3 other companies into Standard Life without issue. The performance... 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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No recent history of asking for reviews

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3.0

All reviews

(1,761)

389 reviews in the last 12 months

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Rated 5 out of 5 stars

Transferred another pension to SL with…

Transferred another pension to SL with no hassle, always manage to get through to someone on the phone when I call, the app could do with a bit more work to make it more user friendly. Of the 5 different pension companies I have used SL for me have been the best.

9 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Shaun. 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

25% Tax Free

At an age, that I can now access 25% tax free of money, the process was straightforward from Phoenix Life to Standard Life...

10 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

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

Rated 5 out of 5 stars

Pension Transfer

A Very straightforward and simple process in transferring pensions. Good communication throughout process

9 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Robert. 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

Pension request transaction made simple

What I thought would be complicated with my pension request was explained simply by a SL colleague Shay on a call. He was brilliant, gave the expected timeline which although took 5 days longer, which he explained why, it was still relatively swift. Well done SL

4 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

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

Rated 5 out of 5 stars

Look for the angel soul in any you met…

Well, as I previously mentioned, I had my worries in the first beginning, but I had to admit it was my lack of knowledge, being inpatient as well for which I’m apologising once more to them🙏…I want to give my special thanks to the lady L.N. who dealt with my complaint in the most professional manner I ever met (knowledgeable, reliable , trustworthy, genuinely …)👏👏👏
God bless your work 🙏👏🙋🏻‍♀️

2 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Maria, Thank you so much for taking the time to share your experience and for your kind words.

We're delighted to hear that your concerns were resolved and that your experience with us improved throughout your journey. We particularly appreciate your recognition of Laura, and we'll ensure your lovely feedback is passed on to her. She will be thrilled to know that her professionalism, knowledge and support made such a positive difference.

Thank you again for your 5-star review and for placing your trust in us. We wish you all the very best for the future.

Shaun at Standard Life

Rated 1 out of 5 stars

How rubbish - glad I am leaving.

How rubbish.
Called today, line was very bad. Olly (Olliie) the lady I spoke to said she'd call me back. She did so. Line was still bad after a few minutes, said she'd call back. Never did. I called back and got a message that the office had closed. What an unprofessional member of staff and company. By the way I was calling to take my money out of my pension and for good reason.

2 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi BeepBeep. Thank you for taking the time to share your feedback. I'm very sorry to hear about your experience and appreciate how frustrating this must have been, particularly as you were contacting us about accessing your pension for an important reason.

Having reviewed the contact history, I can see that our agent attempted to call you on both yesterday and today. Unfortunately, the calls were not answered, but voicemails were left on each occasion providing our telephone number and asking that you contact us when convenient.

I understand your concerns regarding the quality of the phone line and the expectation of a return call. We appreciate how frustrating communication difficulties can be, especially when discussing important financial matters. Please be assured that we are committed to providing a reliable service, and we continuously monitor and review our telephony systems to identify and address any issues that may affect call quality.

We would welcome the opportunity to assist you further with your enquiry. Please contact us using the telephone number provided in the voicemail, and a member of our team will be happy to help.

Thank you again for bringing this to our attention. Thanks, Shaun at Standard Life.

Rated 5 out of 5 stars

I found the process to transfer my…

I found the process to transfer my Royal London Pension in my Standard Life pension account so easy and straight forward. I am so thankful for the service provided and have knowledge that my future is in safe hands.

2 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Pepper Kat. 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 1 out of 5 stars

I had to contact this company after my…

I had to contact this company after my Father died, his death was 5 weeks ago and all I wanted to do was speak to somebody who could advise what I need to do with regards to an investment he had with this company. After searching online for a contact number and found around 10 all of which took me to a recorded message saying the same, our offices are closed please go to our website. I was doing this on behalf of my Mother who wouldn't stand a chance of going online at her age. To me the fact that they will not have anyone answering phone calls shows a company that are solely focusing on profit, pure greed, losing my Father so recently is hard enough let alone spending so much time trying to contact them. Ironically the investment which my Father had had not been a great investment and has performed poorly, nobody ever made contact to review or advise what he could of done to improve the performance. My advice to anyone reading my review would be if your thinking of investing before you do see if you can call a number and speak to a real person, AVOIND STANDARD LIFE AT ALL COST- YOU WILL REGRET IT

2 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Chris, We are very sorry to hear about the loss of your father and appreciate how difficult this must be for you and your family. We understand that, at a time when you were seeking support and guidance, finding it difficult to contact us would have added to your frustration and distress, and we are sorry for the experience you have described.

For future reference, our telephone lines are open from 9.00am to 5.00pm on Monday, Tuesday, Thursday and Friday, and from 10.00am to 5.00pm on Wednesday (GMT). If you are calling about a savings/investment product held with us, the correct telephone number for our Bereavement Team for these types of products is 0345 606 0031, where a member of our team will be able to assist you further. Thanks, Shaun at Standard Life.

Rated 1 out of 5 stars

Circus of clowns.

This is an absolute shambles of a company. They employ eejits who do absolutely nothing to help. They are rude and come across as stupid. They lie all the time. Tell you they’ll pass it on to the back office and that’s the last you’ll hear about. I honestly have never come across such a badly organised and unsupervised bunch of clowns in my life.
Another complaint and FCA interaction by the looks of it.

1 September 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi, Thank you for providing further feedback. We're sorry to hear that you remain unhappy with your experience and appreciate the strength of feeling expressed in your comments. We can confirm that your additional feedback has been passed on to the team responsible for investigating your complaint, so it can be considered as part of their ongoing review. We appreciate your patience while this investigation is taking place, and the team will be in touch with you directly regarding the outcome. Nikki at Standard Life.

Rated 5 out of 5 stars

Very helpful friendly person on end of…

Very helpful friendly person on end of phone, talked me through opening an account without any problems.

29 July 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

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

Rated 1 out of 5 stars

Customer Service - what a joke

The process of setting up an Annuity policy with Standard Life has proved very frustrating.
I was issued a quote which I accepted thinking the process would be relatively quick and simple. I was contacted some weeks late telling me the quote was no longer valid and was issued another quote, again accepted. At this time I contacted SL and spoke with a lady called Becky who explained what would happen and when - none of which has.
Worse than that, all follow up calls to the contact number provided are never answered, no matter how long you hold for - instead you have to send an email in the vague expectation someone will reply.
In the meantime it seems that my second quote will now be out of date simply because SL are so inefficient.
I would like to complain about customer service - but there isn't any - they just don't appear to care and it seems impossible to contact them.
Andy Briggs MBE, if you think this is an acceptable way of running a company you need to get out and talk to people.

28 August 2026
Unprompted review
Rated 5 out of 5 stars

Very prompt service

Very prompt service. Staff is friendly and helpful. Would recommend SL

19 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

That’s great news Mrs Sutherland, and we’re glad to hear you had a great experience. Nikki at Standard Life.

Rated 1 out of 5 stars

18 months of inaccurate contributions…

18 months of employer and employee contributions paid incorrectly losing thousands of £ in contributions and ultimately interest. Numerous phone calls and discussions over that time where inaccurate information was given, being old everything was fine and correct, only to be told be another employee there was a technical problem. Complaint process achieved nothing and i'm now 8 weeks into the complaint process with the Financial Ombudsman. Wide spread issues with many colleagues under the same workplace pension scheme. Would avoid wherever possible

26 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Kate. 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 to help us locate your account. If you feel comfortable sharing that information, we’d be more than happy to look into your concerns and investigate further. Thanks, Nikki at Standard Life.

Rated 1 out of 5 stars

BE WARNED ABOUT STANDARD LIFE

Appalling and borderline illegal customer service!My husband had a lifelong pension scheme that Standard Life is now withholding when he wants to retire!! We are due to move house and require cash from his lump sum and six weeks into the legal two months processing period we still have nothing! My advice is start transferring your pension portfolio to another company NOW. It might take a long time but you may be able to access it in a timely manner when you need it. This incompetence is likely going to to cost us the sale of our property plus the purchase of our dream retirement home and significant legal fees. If all this catastrophic failure occurs then I will ensure Standard Life will compensate us for ALL the financial costs and for the distress it has caused us. Plus my husband will transfer the all funds into his Aviva pension fund which is performing much better. BE WARNED ABOUT STANDARD LIFE!

26 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Jacqueline. Thank you for providing additional details, which have helped us look further into the concerns you've raised. I've now passed this information to the relevant team for review, and they will be in touch with you directly as soon as possible. We appreciate you taking the time to provide further information and thank you for your patience while we look into this matter. Thanks, Nikki at Standard Life.

Rated 3 out of 5 stars

Below Standard Speed

Very poor speed of paying out pension funds when sourced through the app.

24 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Peter. Thank you for taking the time to leave us a review. We're sorry to hear that the speed of your pension payment did not meet your expectations. We understand how important it is for customers to receive their funds promptly and appreciate you sharing your feedback. Your comments will be passed on to the relevant team as we continually look for ways to improve our service. Nikki at Standard Life.

Rated 5 out of 5 stars

So simple and easy to use

So simple and easy to use. Literally took 2 minutes to complete and standard life done the rest.

25 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

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

Rated 1 out of 5 stars

Poor service for fund linked bond

I have a Standard Life offshore bond. I have had it for 20 years, and have been regretting it for most of that time. Finally I am writing about it. These are the reasons I strongly recommend you don't use this company.

i) Limited range of funds. They do have a lot of funds to choose from, but invariably when you look for funds recommended on the internet, they are not available from SL
ii) When you want to move funds, it takes over two weeks for Standard Life administration to do it. Imagine how that would affect the value of your holdings in the event of a market crash
iii) When I ask to withdraw money, I am told that I have to have certified documents, as proof for money laundering purposes. Certification can cost £50 per document. The money has been invested for 20 years and administered by Standard Life. How can it possibly be money laundering? It is the responsibility of a financial institution to check that money coming in has come from a valid source - not that of the sending company, particularly when the money has been there for many years
iv) The annual administration costs for Standard Life are high
v) The fund checker provided by SL is really poor. For instance you can list funds by order of performance, but when you then want to look at, say, charges and click on that tab the list switches to alphabetical order. you have lost the fund you were looking at
v) It is not possible to move administrator without cashing in the bond and incurring tax, so be very careful when you choose a product such as this (from any company). You cannot move, and could be stuck with a company like Standard Life as I am
vi) The ratio of good reviews and bad for Standard Life is around 50/50. Canada life, Utmost, and RL360 have hugely better good to bad review ratios. I have not tried these companies but Trust Pilot ratings point the way

Please consider these things and take time to make a comparison between providers. I do not recommend Standard Life

22 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi David. Thank you for providing further information to help us look into this matter. We're sorry to hear you've not been satisfied with your experience and appreciate the concerns you've raised. We've looked into this and can see that our Complaints team is currently investigating the matters you've highlighted. They recognise the importance of resolving this matter and will provide you with a response as soon as possible. Thank you for your patience while the investigation is ongoing. Nikki at Standard Life.

Rated 1 out of 5 stars

I am not sure what is going on at…

Updating my earlier complain of the 20th ofAugust, similar to others - I I received a response from Standard Life which so far has led to nothing. The Withdrawal for my money from weeks ago, still has not come through and I am none the wiser what is going on. I do not see the point if their responding when says later there has still been no movement. I have also called their customer complaints and same story. It is very concerning...
I am not sure what is going on at standard life pensions but it sure feels odd and is making me anxious.
Withdrawals from the tax free portion of my pension have gone from taking 3/4 days to taking 10 days and now it's making much longer and more concerning is that 2 days ago it allowed me process a new withdrawal (which you can't do when another one is in process) and the first one still hasn't come through.
I am up at night worrying what is going on and what it could end up becoming....

20 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Ms Dada, Thank you for providing the additional information we requested. This has allowed us to look further into your concerns. Having reviewed your account, we can see that our Complaints team is currently investigating the matters you've raised. We understand how important this is to you, so we've shared the feedback you left on Trustpilot with the team and asked them to take it into consideration as part of their ongoing investigation. The Complaints team will be in touch with you directly as soon as they are able. Thank you for your patience. Nikki at Standard Life.

Rated 1 out of 5 stars

I have not been satisfied with this…

I have not been satisfied with this trading platform. Ten of Ten offers a more convenient trading service and a more straightforward withdrawal process.

2 August 2026
Unprompted review
Standard Life UK logo

Reply from Standard Life UK

Hi Audrey, We're sorry to hear that you've been disappointed with your experience and that our platform hasn't met your expectations. We appreciate you taking the time to share your feedback and compare your experience with other providers. Customer feedback helps us understand where we can improve, and we'll ensure your comments are shared with the relevant teams for consideration. Thanks, Nikki at Standard Life.

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