Provider fees

Legal & General pension fees and charges

Product record reviewed: 2026-05-12 · Fee schedule checked: 2026-09-11 · Source: provider fee page

Direct answer: Legal & General charges Personal Pension: 0.25% annual service charge, with fund management charged separately. The main product page quotes a 0.31% fund charge; check the selected option.. On a £100,000 pot that is £250/year in annual provider/platform fee, and on a £500,000 pot it is £1,250/year. Fund charges and product-specific caveats may apply.

Fee model

Personal Pension: 0.25% annual service charge, with fund management charged separately. The main product page quotes a 0.31% fund charge; check the selected option.

Flat percentage · No direct SIPP · Workplace available

Annual representative charge by pot size

Annual figures displayed to the nearest pound. Representative provider/platform charge. Fund charges and adviser charges may be additional unless the provider note says they are included: Main Personal Pension page quotes 0.31% in addition to service charges; other options need their own fund documents

Note: The table uses the direct Personal Pension service charge only. At an illustrative 0.31% fund charge, service plus fund management would be 0.56% a year, before any other applicable costs. Fund selection and drawdown options can change the cost. Workplace terms are scheme-specific.

L&G’s direct Personal Pension separates the service charge from fund management. The table includes only the 0.25% service charge. Its product page quotes a 0.31% fund charge and offers Simple Fund Choice, a default option and a Self-Select Fund option. Check the selected fund’s documents rather than applying a drawdown fund-cost range to every pension. Workplace scheme charges are separate.

Strengths

+Published 0.25% service charge
+Different investment options described on the product page

Limitations

–Fund management charges are additional
–Workplace terms require separate checking

Details

Fund rangeSimple Fund Choice, Default Investment Option and a Self-Select Fund option

Minimum investmentOpen with £100 or transfer an existing pension

Typical fund OCFMain Personal Pension page quotes 0.31% in addition to service charges; other options need their own fund documents

SIPP/direct pensionNo direct SIPP

L&G pension fees FAQ

What are Legal & General pension charges in 2026?

Legal & General's representative published charging model is: Personal Pension: 0.25% annual service charge, with fund management charged separately. The main product page quotes a 0.31% fund charge; check the selected option.. The figures on this page show provider/platform/admin charges by pot size. Fund charges, adviser charges, workplace terms and product-specific charges may differ, so check the provider fee schedule before acting.

Does Legal & General offer a SIPP?

Legal & General is mainly a workplace and direct personal pension provider in this dataset. The direct personal pension does not offer the same broad SIPP-style fund and share access as self-directed platforms.

Are Legal & General workplace pension fees the same as personal pension fees?

Not necessarily. Workplace pension charges are usually set by the employer scheme and can differ from Legal & General's direct personal pension charges. Check the scheme documents for the exact annual management charge and fund costs.

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Things to consider

•Fees shown are representative provider, platform or admin charges. Some rows are platform/admin fees only; Royal London's Governed Range AMC includes Royal London fund management.
•Fee structures change without notice. Always verify the current fee on the provider's website before making any decision.
•The lowest headline fee is only one comparison point. Fund range, service, platform features, investment choice, adviser access, and product restrictions also matter.
•Transferring a pension may involve exit fees, loss of guaranteed benefits, or loss of employer contributions. Check before you transfer.
•This page is factual information based on published fee schedules, not a recommendation to use or avoid any provider.
•For personal recommendations, speak to an FCA-regulated financial adviser and check the FCA register.

This provider comparison is general information based on published charge schedules, not financial advice or a personal recommendation. Verify current fees and product terms with the provider and check FCA authorisation before acting.