Pick a brand and get your Chest code.
160+ brands, from the weekly shop to a weekend away.
Spend it online or in store.
Anything you don’t spend stays on your code.
Your cashback goes into your pension.
We claim the tax relief for you and add it on top. Then it’s invested.
See it all in 75 seconds
You
Chest
Quai Investment Services
L&G
FSCS protection up to £85,000
In the unlikely event the custodian were to fail and your assets couldn’t be fully recovered, you may be eligible for compensation of up to £85,000 through the FSCS. The FSCS doesn’t cover losses from normal investment performance.
Who is Chest for?
Anyone in the UK aged 18 or over who wants their pension to keep up with their life: employed, self-employed, between jobs or on leave. Already have a workplace pension? Keep it. Chest sits alongside it.
How does cashback work?
Pick one of 160+ brands in the app, choose how much to put on your Chest code and pay by bank. Spend the code online or in store. The cashback goes into your Chest pension, and we claim the tax relief for you and add it on top. Rates vary by brand and may change. Cashback is discretionary. Tax relief depends on your circumstances.
What are saving rules?
Small, automatic payments into your pension that you set up once: round-ups, pound-ups, a monthly top-up and more. They run in the background, and you can change them whenever you like.
Where is my money held?
Your pension is held by Quai Investment Services, which is authorised and regulated by the FCA, separately from Chest’s own money. It’s invested in L&G funds. If the custodian failed and your assets couldn’t be fully recovered, you may be eligible for up to £85,000 compensation through the FSCS. Capital at risk. The value of your pension can go down as well as up.
What does it cost?
The app is free to download and use. Once you have a Chest pension, the platform fee is 0.45% a year on the first £100,000 and 0.20% only on the part above that, plus fund charges of 0.08% to 0.29%. Chest also earns a commission from brands when you get cashback. See our fees page for worked examples.
Can I bring my old pensions?
Yes. Add your old pots in the app and we’ll help you move them into your Chest pension. Before you transfer, check whether an old pension has exit fees or valuable guarantees you’d lose.
How is Chest regulated?
Chest Group Limited (FRN 1045044) is an Appointed Representative of RiskSave Technologies Ltd (FRN 775330), which is authorised and regulated by the Financial Conduct Authority.
