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CUSHON FOR INDIVIDUALS

Making your pensions and savings easy

Cushon makes it easy to take control.

Simple & easy to use

Stay in control of your finances with friendly insights and helpful nudges

Everything in one place

Track the progress of your savings and pension via app or web

Invest with climate impact

Our climate focused workplace pensions naturally prioritise financial returns for you

Super-smart saving

Help your savings pot grow with the help of our 24/7 savings buddy for Stocks and Shares ISAs

Capital at risk. All Cushon ISA products are Stocks and Shares ISAs. The value of investments can fall as well as rise, and you may get less than the full amount you invest.

Getting started with Cushon is easy

However you're saving

Simple & easy to use

Stay in control of your workplace pension and savings with our friendly app.

  • View, manage and withdraw money
  • Regular emails to confirm what's being paid in
  • See how changes to your contributions could affect what you get out
Already a Cushon member?
Download the app for iOS or Android
Screenshot of Cushon app and isa savings pots

The figures shown are for illustrative purposes only

Illustration of performance of pots

The figures shown are for illustrative purposes only

Everything in one place

Cut down the number of logins and accounts you need to keep on top of your finances.

  • Keep track of your pension, workplace savings and personal ISAs in one place
  • Transfer your existing pensions with our help and support
  • Check your finances any time via the app or log in on the web

Invest with climate impact

Naturally prioritising financial returns for you, our climate focused workplace pensions are also designed to protect the future you retire into.

  • We have already reduced our CO2 emissions by 78% [¹]
  • We are targeting an 80% reduction by 2030 [²]
  • Investing in real world impact such as low carbon energy, sustainable social housing and habitat protection
Find out how our sustainable investment strategy works
An illustration of a green planet Earth, showing Africa, Eurasia and parts of Australia, America and Greenland, within two hands opened to contain it.
Icons on Great Job and performance

The figures shown are for illustrative purposes only

Super-smart savings buddy for Stocks and Shares ISAs

Our algorithm is a 24/7 savings buddy for Stocks & Shares ISAs.

  • Monitors 1,000s of funds and highlights opportunities for better returns
  • Friendly insights and suggestions
  • Choose from four ready-made portfolios with different levels of risk
  • Invest in line with your ethical priorities

Getting started with Cushon is easy. Get set up in minutes

People building a different future with Cushon

Trusted by over 600,000 members who have some great things to say.

    • Woman by the coast looking at mobile phone
    • A man running up the stairs with a young child on his shoulders
    • A couple smiling and hugging on the beach while eating an ice cream
    • A father plays with his daughter on the beach
    • A stylist dressed in a floaty blue and white dress puts the last touches to her latest creation
    • Mother and daughter in a swimming pool
    • A smiling shopping assistant poses in front of shelves full of pasta boxes
    • Two female gardeners standing together in greenhouse
    • Athletic woman running up stone stairs
    5 stars

    Margaret Moore, 06/12/2024

    My enquiry was dealt with very quickly am happy with the outcome.

    5 stars

    Mouad Ketami, 12/11/2024

    Saved for my first house deposit with Cushon never had a single problem and my money grew 15% over not a very long period of time. When actually buying the house the whole process was a very painful experience. The only part of buying a house which was not a horrible pain was working with Cushon. I needed to get my money out as quickly as possible or I may have lost my dream home and been technically homeless. The team @ Cushon pulled out every stop to make it happen. A MASSIVE shout out to Alex Geraghty and other members of his team who helped me through a very stressful time.

    Frequently asked questions

    There's no charge for employers.

    Members pay an Annual Management Charge or 'AMC'. This is a small percentage starting at 0.69% and depends on the investments they select.

    No. We are open to all organisations of all sizes.

    If you've just hired your first employee, you'll need a workplace pension to comply with your auto enrolment duties - so we've made it easy to apply.

    Most applications only take a few minutes.

    If you're short for time, we only need some information about you and your company to save your application in case you need to return to it later.

    We need information that you will already know about you and your organisation.

    This includes information about you, your organisation, who will be running your workplace pension and when you want it to start.

    Very safe.

    Cushon Master Trust is authorised and regulated by the Pensions Regulator. Members' savings are legally protected by a trust management. We are chosen by employers across the UK to help their employees confidently save for the future.

    Importing employees and contributions into your payroll through the Cushon Employer portal couldn't be easier. We have created a guide to help you understand the supported file formats and the upload process.

    You can download the Cushon app on the Apple App Store or the Google Play Store. Alternatively, you can access our member portal.

    If you have a pension with us and are logging in the app for the first time, you'll need the unique 6-digit one time access code that has been sent to you in your Welcome Pack.

    For your pension account, this is your National Insurance Number.

    Forgotten your password? Click here and follow the simple steps to get a new one.

    [¹] Reduction in scope 1 and 2 carbon emissions for the growth phase of Cushon's Sustainable Investment Strategy since inception (August 2022), compared to its independently verified 2022 benchmark. The benchmark, which has been verified by independent advisers ISIO, is defined as the weighted average of the carbon footprint of the underlying funds’ benchmark of 118 tCO2e/$m EVIC. For further information, see our Task Force on Climate-Related Financial Disclosures (TCFD) Report.

    [²] Target for the growth phase of Cushon's Sustainable Investment Strategy to achieve a in scope 1 and 2 carbon emissions by 30th September 2030, compared to its independently verified 2022 benchmark. The benchmark, which has been verified by independent advisers ISIO, is defined as the weighted average of the carbon footprint of the underlying funds’ benchmark of 118 tCO2e/$m EVIC. For further information, see our Task Force on Climate-Related Financial Disclosures (TCFD) Report.