the riba pension
How much is it?

The RIBA Pension is a market-leading solution for large and small practices alike, offering value, choice and flexibility to both employers and employees.



The main cost to you as the employer will be the initial cost of the compliance software and any additional support as outlined in the following section. Outsourced payroll providers may charge additional fees for producing pension data. If this is the case, depending on the package being offered, you may want to negotiate or begin looking for alternative providers.


Fees are payable by direct debit. We will send you a direct debit form once your application has been approved by the Trustee. At that point, the sign-up fee will be payable, plus the pro-rata annual fee for the remaining months in the calendar year. Further annual fees will be taken on or around 21 January each year. We will write to you towards the end of the year (and at least 30 days before payment is taken) to confirm your fee for the following year. 

Additional support for employers

If you would like additional tailored support to help you introduce your pension solution, the RIBA approved financial adviser is Moore Stephens. They can offer:

  • Employee presentations  
  • Individual consultancy meetings with your employees, if required 
  • Additional support as you approach your staging date
  • Annual review of your scheme

For further information including charges contact Moore Stephens on or 020 7334 9191.

Equally, you may decide that you do not need advice or that you would prefer to consult your own financial adviser.


The charge to employees for managing their pension is the annual management charge of 0.44%, well below the industry average. This leaves more money in employees' pension pots on retirement.

Investment choice

When employees enrol, their money is invested into a diversified Lifestyle default fund. If they choose, they can transfer out of the default fund into any of a wide range of other funds. Some carry additional charges.