Delete your Chest account
You can close your Chest account at any time. Before you do, it’s worth knowing what deleting your account does - and what it doesn’t - because your pension works differently from your app login.
Your account and your pension are two different things
Your Chest account is your login to the app. Your Chest Pension is a Self-Invested Personal Pension (SIPP) provided and administered by Quai Investment Services Limited, with Quai Trustees Limited as trustee. Chest doesn’t hold your pension money - it’s kept separate from our business and it belongs to you.
Because the Chest app is the only way to view and manage your Chest Pension, your account can’t be closed while your pension is still open. What that means for you depends on where you are:
If you haven’t opened a Chest Pension
Closing your account is simple. Follow the steps below and we’ll close your account and delete your personal data.
If you opened your Chest Pension less than 30 days ago
You’re within the cancellation period. You can cancel your pension and close your account at the same time. Any contributions or transfers received will be returned in line with the Pension Provider’s cancellation process. Start the request below and we’ll walk you through it.
If you opened your Chest Pension more than 30 days ago
A pension can’t be closed in the usual sense, because pension money normally can’t be taken out until you reach the minimum pension age (currently 55, rising to 57 in 2028). Instead, you’ll need to transfer your Chest Pension to another provider first. Ask your new provider to start the transfer - we’ll help with the process - and once it’s complete, we’ll close your Chest account.
We’ll never move your pension money or close your pension without your instruction.
How to delete your account
In the app
Open Chest and tap your profile picture.
Go to Settings.
Tap Delete Account (or Contact Us - both open a chat with our support agent).
In the chat, tap “I want to delete my account”. That starts the request.
By email
If you can’t access the app, email support@joinchest.com from the email address linked to your Chest account, with the subject line “Delete my account”. Please include your full name and confirm that you want to close your account. If you have a Chest Pension, let us know whether you’re within the 30-day cancellation period, whether you’ve started a transfer out, or whether you’d like to talk through your options first.
We may need to verify your identity before proceeding. This protects your account from anyone else requesting deletion on your behalf.
What happens after you ask
We confirm your request. You’ll hear from our support team within 3 working days.
We check for anything outstanding. If you have an open Chest Pension, a pension transfer in progress, an active saving rule or a payment mandate, we’ll let you know and agree the next step with you before closing anything. Any cashback that hasn’t yet been confirmed and paid into your pension at the point of closure won’t be paid - cashback only becomes yours once it reaches your pension.
We close your account. Your login is disabled, any connected bank accounts are disconnected, and any active saving rules and payment mandates are cancelled. A payment already in progress may still complete and will be applied to your pension or returned to your bank.
We delete your data. Your personal data is deleted within 30 days of your account closing, except for records we’re legally required to keep (see below).
We confirm it’s done. You’ll receive a final email confirming your account has been closed.
What happens to your data
When your account is closed, we delete the personal data we hold that isn’t needed for legal or regulatory purposes. Because Chest is a regulated financial service, some records must be kept for a period after you leave. This is a legal requirement, not a choice.
Retained records are kept securely, used only for the purpose they’re required for, and deleted when that period ends. If you’ve transferred your pension away, the Pension Provider keeps its own records of your pension in line with its obligations.
For full details, see our Privacy Policy.
Not sure deletion is what you need?
Want to stop automatic contributions for a while? You can pause or cancel a saving rule in the app at any time without closing your account. To cancel a payment mandate, contact us.
Cancelled your pension but want to keep the Chest Score? You can. Cancelling your pension doesn’t automatically close your account.
Want to stop emails? Change your marketing preferences in the app or contact support.
Have a question about your pension? Get in touch. We’re happy to talk it through before you decide.
Get in touch
To request deletion, or to ask anything about closing your account:
Email support@joinchest.com
Or in the app: tap your profile picture → Settings → Contact Us.