Pense Reviews 236

TrustScore 5 out of 5

4.9

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Looking at 115 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their efficiency and helpfulness, noting that they provide clear, easy-to-understand advice tailored to individual needs. The service is frequently described as excellent, with many appreciating the smooth process and the team's ability to simplify complex financial matters. People also highlight the exceptional customer service, particularly the regular and proactive communication, which keeps them well-informed throughout the entire process. However, some customers mentioned issues with internal communication, where different agents were not always aware of previous discussions, leading to repetitive questions. A few other people also felt that the company's communication, while generally good, was sometimes excessive, with frequent calls, texts, and emails.

What people talk about most

Staff

Reviewers mention positive feedback about staff. Customers consistently praise the team's professionalism,... See more

Service

Customers had positive experiences with service. Reviewers consistently praise the professional and helpful... See more

Customer service

People report positive experiences with customer service. Customers consistently praise the helpfulness and... See more

Customer communications

Consumers find contact with the company to be positive. Many reviewers highlight the consistent... See more

Response time

Customers consistently note positive experiences with response times. Reviewers frequently mention timely and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Needed help turning my company pension pot into the highest-yielding annuity I could get, and Pense were superb. Detailed but easy to understand advice based on my own personal needs, medical is... See more

Rated 5 out of 5 stars

Great service from start to finish. Amber went above & beyond to make sure I was kept updated at all times. She provided regular feedback on what turned out to be a nightmare case, albeit nothing to... See more

Rated 5 out of 5 stars

I believe Pense got me a very good deal on my annuity. I was given weekly updates on progress and received my first payment from the provider after about 3 months from first contacting Pense. This was... See more

Rated 5 out of 5 stars

Pense were excellent. The 2 contacts l had were very efficient, giving me good explanations to various terms. I wasn't pressured to make decision, but they made sure that l completely understood the... See more



Contact info

4.9

Excellent

TrustScore 5 out of 5

236 reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 33% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

I was assisting my brother in getting…

I was assisting my brother in getting an annuity sorted, with his retirement approaching. I contacted a number of annuity brokers, but opted for Pense following my correspondence by email and phone with Kirk. He was excellent and reassuring, made the process as simple as possible, where others were putting obstacles in our way (as I was doing most of the 'talking' etc on my brother's behalf, it could have been complicated). Once we agreed on a provider, based on best annuity rate, Kirk passed me on to Liv, who metaphorically held our hands from that point on until the annuity funds arrived in my brother's account. Regular email contact (at least weekly), plus prompt responses to our queries, kept us reassured at all times. Nothing seemed too much trouble for Liv or Kirk. The whole process from accepting the quote to receiving the funds took around 7 weeks, well within expected timescales given. I wouldn't hesitate to use them again and recommend them to anyone in need of such services.

2 April 2026
Unprompted review
Rated 5 out of 5 stars

Attention to detail

I was pleased with the attention to detail in every aspect of my pension transfer. My options were made clear and were succinctly explained by James Allott. Liv Carey kept me updated throughout the process.””
I would have no hesitation to recommend Pense to anyone looking to make investments.

28 February 2026
Unprompted review
Rated 5 out of 5 stars

Satisfaction

It was reassuring and helpful to liaise with the same person to help and guide you through some of the hurdles in front of you . Any questions i put forward which were a few , were answered very quickly .
So a big thank you to Liv and Kris for their advice and help .

2 April 2026
Unprompted review
Rated 5 out of 5 stars

Had always been a bit sceptical about

Had always been a bit sceptical about financial advisors, but I had to use one to set up a annuity policy. Kirk Yeomans from Pence arranged a phone consultation and I will be forever grateful. He talked me through all my options, advised me on my tax implications which helped me make an informed decision, he kept me informed about the different providers and dealt with the transfer of my pension pot getting me exactly what I needed.

6 March 2026
Unprompted review
Rated 5 out of 5 stars

I have never been one for writing…

I have never been one for writing reviews but on this occasion, I had to break the habit of a lifetime. Pense were first class, from the moment I called them to the start of my annuity, the team have kept me informed every step of the way. Special mention to Kirk for his advice, and to Lauren and Liv who provided regular updates. I would have no hesitation in recommending Pense to friends and family.

20 March 2026
Unprompted review
Rated 5 out of 5 stars

Quick smooth process

The whole Pense team were very efficient.

I was very happy through out the smooth quick process.

If anyone was on holiday someone else picked up the messaging seamlessly.

I would not hesitate in recommending them

26 January 2026
Unprompted review
Rated 5 out of 5 stars

Pension Annuity

Used Pense twice now for both the small pensions I have. Kirk was excellent and explained everything so even i could understand.
Both went very smoothly with no hiccups in double quick time too.
I wouldn't hesitate to recommend Pense. All the staff are incredibly efficient and kept me informed
weekly throughout the process.
All in all excellent service, I would highly recommend.

12 January 2026
Unprompted review
Rated 1 out of 5 stars

Another con trying to get your details…

Another con trying to get your details whilst pretending offer free advice

24 February 2026
Unprompted review
Pense logo

Reply from Pense

Thank you for your review.

We take feedback extremely seriously, however we have been unable to identify any interaction with a customer matching the details described here.

Pense is an FCA regulated financial advice firm and we maintain full records of all enquiries, calls and advice conversations. After reviewing our records we have not been able to locate any enquiry or interaction that corresponds with this review.

For clarity, we do not charge customers simply for making an enquiry or discussing their options. A fee is only payable if a customer chooses to proceed with a formal recommendation, and all charges are clearly explained and agreed upfront before any advice is provided.

We have asked Trustpilot to contact the reviewer so that they can provide further information and allow us to investigate properly, however we have not yet received any details that enable us to verify the experience described.

We are proud of the transparent and competitive charging structure we offer and would encourage anyone considering our service to review the feedback from other customers who have used Pense.

If the reviewer has genuinely interacted with us, we would welcome the opportunity to investigate and resolve any concerns directly.

Rated 5 out of 5 stars

I’ve been very impressed with Pense…

I’ve been very impressed with Pense from my initial contact and subsequent interactions. The staff have been wonderful, pleasant supportive and professional. Any questions or information requests were dealt with promptly and efficiently.

20 February 2026
Unprompted review
Rated 5 out of 5 stars

Friendly knowledgeable team and professional service

Friendly knowledgeable team that offer a professional service. Initial consultation was friendly and helpful, reviewing my options and agreeing the way forward. They were then able to secure an annuity quote above my expectations and then followed through getting the policy in place and the funds transfer in in a very professional and timely manner. Regular updates on progress all the way through and very happy with the end result.

17 February 2026
Unprompted review
Rated 5 out of 5 stars

Pense is the way to go.

Since I started dealing with Pense arranging my Annuity policy, I have found the team very capable and fairly quick at dealing with any issues that arose. The girls Chloe,Amber, Lauren and Liv have all been very helpful and kept in contact regularly with me during the transfer process. I would highly recommend Pense to sort your pension out

16 February 2026
Unprompted review
Rated 5 out of 5 stars

Great Experience.

Pense was recommended to me and I'm so glad they were, Ross talked me through the whole process in detail and made sure i understood everything. His telephone manner is excellent and made me feel relaxed and confident that i was doing the right thing. Moving my life savings was a huge thing for me but Ross made it easy and worry free. It's also good to know that he is there at the end of the phone if i need him.
I would also like to thank Lauren too for confirming that everything is in order and ensuring that i am happy with the service they have provided. I highly recommend, they are a great team.
Andy Fifield.

23 January 2026
Unprompted review
Rated 5 out of 5 stars

Not rushed into committing

As someone very new to pensions and completely bamboozled by what was available, the guidance, knowledge and support from both financial advisors Ross and Kirk, and great follow up and attention from Amber and Lauren was exemplary. The detailed choices were carefully explained (and more than once!) I did not feel rushed and I was not pushed into anything I did not understand. Pense certainly made something that I was dreading starting much smoother than I imagined, and I would highly recommend (in fact I already have!)

24 November 2025
Unprompted review
Rated 5 out of 5 stars

A very Pleasant experience dealing with Pense

When dealing with Pense they were very professional and the advice they gave was very good at no point did i ever feel pressured into making a decision. Pense were dealing with my pension company who were taking so long in getting the information to Pense. They kept me updated regularly on why it was going so slow. Once all the money had changed hands and i thought all was done i got an email from Pense saying that they had raised a complaint about how slow it went and my Pension provider said they would send me £100 in way of a compensation. I thought that was very god as i never asked them to do this. I would use Pense again and i would recommend them to any body

12 January 2026
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look