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We generate and send your cancellation letter to People's Pension by registered mail
Sender
Recipient
Digital registered letter with receipt of acceptance
Subject : Cancellation of People's Pension agreement
Step-by-step 2026 guide to cancel People's Pension: opt-out rules, refunds, contact methods and alternatives. Clear actions and costs.
| fastest method (name it + why) | Phone automated opt-out on 0300 3301 280 - fastest because the service is automated and confirms opt-out immediately if you have a valid email address |
| effective delay | Immediate confirmation by email if email is correct; refund processed via employer payroll if opt-out within 1 calendar month |
| notice period | 1 calendar month from date you were enrolled |
| cancellation fee | 0 |
| minimum commitment | Not published by People's Pension |
| phone + hours | 0300 3301 280 - hours: Not published by People's Pension |
| postal address for registered letter | People's Pension, Manor Royal, RH10 9QP Crawley, United Kingdom |
The People's Pension is a UK workplace pension scheme designed for employers to automatically enrol eligible staff and manage pension contributions and investments.
The scheme is operated by The People's Pension Trustee Limited and owned by People's Partnership Holdings Limited. Headquarters are in Crawley, England.
The People's Pension serves workplace savers and employers and has grown rapidly since launch.
| Full legal name | The People's Pension Trustee Limited |
| Founded | 2012 |
| Headquarters | Crawley, England |
| Subscribers | 7 million |
| Annual revenue | £4.3bn |
| Parent company | People's Partnership Holdings Limited |
| method | steps summary | estimated time | proof obtained | difficulty |
|---|---|---|---|---|
| Online | Use the scheme's online opt-out page using your customer number and National Insurance number | 10-20 minutes | Confirmation screen and/or email if you provided a valid email | Easy |
| Phone (automated) | Call 0300 3301 280 and follow automated opt-out prompts; provide customer number and National Insurance number | 5-15 minutes | Email confirmation if a correct email address is on file | Easy |
| Through your employer (written) | Write to your employer requesting to leave the workplace scheme; employer processes the leave | Varies by employer processing time | Employer's written confirmation or payroll record | Medium |
| Post to scheme | Send a signed opt-out or membership cessation letter to the scheme or speak to employer about formal notice | Days to weeks depending on post and processing | Registered letter receipt and reply from scheme or employer | Hard |
If you opt out within 1 calendar month from the date you were enrolled, you are treated as if you were never a member and any contributions deducted must be refunded. To opt out you need your customer number and National Insurance number. The refund is returned to your employer who refunds you through payroll.
Applicable law: automatic enrolment guidance from The Pensions Regulator and gov.uk rules on leaving workplace pensions.
If you leave the scheme after the 1 calendar month opt-out period you will not get a refund of contributions already paid. Contributions already paid remain invested until you reach the normal pension access age (55 rising to 57 in 2028). To stop future contributions, write to your employer asking them to process your request.
Applicable law: The Pensions Regulator - guidance on opt-outs and cessation of active membership.
If you have been contractually enrolled or you are an 'entitled worker' (aged 16-74, earning less than £6,240 a year and working in the UK) you cannot opt out to receive a refund. You can leave the scheme by writing to your employer but contributions already paid will not be refunded.
Applicable law: automatic enrolment regulations as explained by The Pensions Regulator.
People's Pension operates for workers in the United Kingdom. If you move abroad, notify your employer and the scheme. Your pension pot will remain invested; transfer options depend on the receiving scheme abroad. For transfer specifics ask the scheme and your employer for required documents.
Applicable law: refer to The Pensions Regulator guidance and scheme transfer rules.
If the member dies the pension scheme's trustees manage benefits under the scheme rules and notify beneficiaries about next steps. Contact the scheme with the death certificate and beneficiary details so trustees can process benefits.
Applicable law: scheme trust rules and The Pensions Regulator oversight.
Research does not show publicly reported retention discounts or bespoke offers from The People's Pension. If you want to stay but reduce costs ask your employer to review pension options or ask the scheme to explain the savings reward tiers and whether you qualify for a lower management charge. Provide your membership details and request written confirmation of any alternative charge or product.
Core member charges from The People's Pension:
Math shown: 0.5% of £5,000 = £25.00; £25.00 + £6.50 = £31.50 per year.
Cheapest named alternative from competitors in our data: Vanguard personal pension costs £4 per month = £48 per year. If you moved £5,000 to Vanguard you would pay £48.00 per year vs People's Pension current charges of £31.50 per year for the example pot; compare before moving because transfer costs or fund differences may apply.
Math for Vanguard: £4 x 12 = £48.00 per year.
Workplace pensions in the UK are regulated by The Pensions Regulator under automatic enrolment rules. Eligible jobholders have the right to opt out after automatic enrolment. If an opt-out is given within 1 calendar month any deducted contributions must be refunded. See The Pensions Regulator guidance and gov.uk official guidance.
The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill. The Consumer Contracts Regulations 2013 provide a 14-day cooling-off period for many contracts concluded online or off-premises, though workplace automatic enrolment opt-out rules are specific and the 1 calendar month opt-out window applies for refunds of contributions. Use statutory remedies if a required refund is not processed.
1) Complain in writing to The People's Pension or your employer and keep copies. 2) If unresolved, complain to the Financial Ombudsman Service for regulated disputes. 3) For guidance contact Citizens Advice. For payment disputes consider Section 75 or chargeback via your card issuer where relevant.
If you opted out within 1 calendar month check payroll: the refund is returned to your employer who refunds you via payroll. Verify your payslip and keep employer confirmation.
If you left after the 1 calendar month the contributions already paid stay invested until you reach the normal pension access age - currently 55, rising to 57 in 2028. Keep your scheme membership number and contact details so you can track the pot.
Keep copies of opt-out confirmation emails, employer letters, payslips and the scheme's correspondence. Update your contact details with the scheme to ensure you receive statements.
To rejoin ask your employer to opt you back in by writing to them. Employers have duties under automatic enrolment to re-enrol eligible staff at prescribed intervals.
Use this checklist to complete cancellation and confirm outcomes.
not applicable
/ mois
One-off employer setup fee. Fee waived if joining through a qualified adviser or payroll services firm.
approx. £0.54
/ mois
Annual flat charge of £6.50 from 1 April 2026. Not taken from pots below £106.50.
not applicable
/ mois
Management charge is 0.5% of pension pot value. Savings reward reduces this for larger pots.
No commitment. Billoff helps you cancel or adjust your People's Pension subscription without hunting down every detail alone.
Below are common alternatives people compare for this type of subscription.
£7.50
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Tiered percentage-based service fee with a flat fee for balances under £25,000.
£5.99
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Low, flat monthly fee regardless of portfolio size.
£4.00
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Low-cost SIPP with simple fee structure and capped account fees.
varies
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Focus on consolidation of pensions with a single annual fee that halves over £100,000.
People's Pension is available in many countries. Here are several frequently cited markets:
What you should know about People's Pension subscription and cancellation terms:
Automatic monthly or yearly renewal. Billing is handled by the primary account or the signup platform.
Renewal runs automatically at the end of each billing period while the subscription stays active.
Cancel from account settings or the app store used at signup. Access usually continues until the paid period ends.
Refunds depend on billing date, country, and payment channel.
The family plan admin can add or remove members per the service’s household and age rules.
Plan changes and cancellations follow the provider’s terms and local law.
Billoff simplifies cancellation: we handle the cancellation process for your People's Pension subscription, whichever payment method you use.
Cancel, adjust, or compare options in a few clicks.