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Reply-To: <email-marketing@monzo.com>
From: "Monzo" <hello@email.monzo.com>
To: <bob@sarahharvey.com>
Subject: All your pensions, one clear picture
Date: Sat, 11 Apr 2026 18:12:58 +0100
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See exactly what you’ve saved and add to it anytime.
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͏ ͏ ͏ ͏
See exactly what you’ve saved and add to it anytime.
<https://clicks.monzo.com/f/a/68avydoy557XeD80wLiyXA~~/AAAHahA~/wtx9cHQPA_qtBm0Blj10zcW5J5OS7id96zMLxbifNGVi4lT9KM8Yxb6_G6Qrm2d3cZF0jT3eKRIgBsOhthvOwGpFWSXUokBFOdeGgMYhM3g~>
<https://clicks.monzo.com/f/a/nltCrQQ2aFXfhAFHdxo0kA~~/AAAHahA~/6HW4KQjJtqclolJqxxL-_LKjUksmNSLwrHp63W-szUFNi_7EVnqdenSjEG-NyY4ZoPCZvUaWnTuphWa3T_yy0Tk7XDBLGwrkX8zgHxbuSYwyOSWiEJYfII2vddMO7YD3cv6QGR8ACtSuuFRc40RVtTcScYWpEA95Kp_akGM33igbUrI-23fHM5grYHmvj4m7>
Your whole pension, in one clear view
Planning for the future’s hard when your money’s all over the place. Combine
your old pensions into a single Monzo Pension, see exactly what you’ve saved
and keep adding to it in just a few taps.
Everything’s in one place, so you can grow your pension and stay on top of
your progress at the same time.
Get started
<https://clicks.monzo.com/f/a/nltCrQQ2aFXfhAFHdxo0kA~~/AAAHahA~/6HW4KQjJtqclolJqxxL-_LKjUksmNSLwrHp63W-szUFNi_7EVnqdenSjEG-NyY4ZoPCZvUaWnTuphWa3T_yy0Tk7XDBLGwrkX8zgHxbuSYwyOSWiEJYfII2vddMO7YD3cv6QGR8ACtSuuFRc40RVtTcScYWpEA95Kp_akGM33igbUrI-23fHM5grYHmvj4m7>
Ts&Cs apply - you could get back less than you invest.
See what’s to come
<https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBsrzBcYTNx6HwHT1NnkPTSjLF0_3qObGUgtTmUrCKBzW0cDhVte3ZNZW6oWwl2CqTYWou7_yR_eoMK-Pm_NJe1Re6Xi8FnpA6SsD6rfsjmBUhqvI1wD-pLV>
Tell us where you worked and when
That’s all we need to get started. If you know things like your pension
reference, provider and rough value, then tell us. It’s quicker that way.
<https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBsrzBcYTNx6HwHT1NnkPTSjLF0_3qObGUgtTmUrCKBzW0cDhVte3ZNZW6oWwl2CqTYWou7_yR_eoMK-Pm_NJe1Re6Xi8FnpA6SsD6rfsjmBUhqvI1wD-pLV>
Leave the detective work to us
We’re working with pension-finding specialist, Raindrop to do the digging.
We’ll update you as we take your pension from lost to found to
homeward-bound.
<https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBsrzBcYTNx6HwHT1NnkPTSjLF0_3qObGUgtTmUrCKBzW0cDhVte3ZNZW6oWwl2CqTYWou7_yR_eoMK-Pm_NJe1Re6Xi8FnpA6SsD6rfsjmBUhqvI1wD-pLV>
Your pensions, pieced together
Once we’ve found your old pensions, we’ll bring it over into your Monzo
Pension so you can see your pensions as one.
<https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBsrzBcYTNx6HwHT1NnkPTSjLF0_3qObGUgtTmUrCKBzW0cDhVte3ZNZW6oWwl2CqTYWou7_yR_eoMK-Pm_NJe1Re6Xi8FnpA6SsD6rfsjmBUhqvI1wD-pLV>
Put your future in focus
With your pensions all together, you’ll get a clearer idea of where you’re
at and if you need to make changes to reach your future goals.
Smart enough to change as you do
Your pension will invest in a target date fund. The fund is designed to
balance the risk it takes, shifting from higher to lower risk investments,
using the age you aim to retire as a guide.
You’ll pay a 0.25% yearly platform fee (or 0.20% with Monzo Plus, Premium,
Perks or Max) on your combined investments and pension balance up to
£100,000, plus ongoing management fees that depend on what you invest in.
That means your maximum yearly platform fee is capped at £250 (or £200 with
Monzo Plus, Premium, Perks or Max). Your fees accrue daily and are charged
monthly.
Sit back while we work
From start to finish, it can take up to 12 weeks. It’s often done much
sooner – but it can sometimes take longer too.
We’ll deal with the tricky stuff in the background so you don’t have to. You
can sit back and watch as we bring your pensions together into one.
It's important to be sure that combining your pensions is right for you.
We'll let you know the key things you need to think about before we get
started.
And if you have any money or pensions questions in the meantime, the
government’s Money and Pensions Service can help.
Get started
<https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBsrzBcYTNx6HwHT1NnkPTSjLF0_3qObGUgtTmUrCKBzW0cDhVte3ZNZW6oWwl2CqTYWou7_yR_eoMK-Pm_NJe1Re6Xi8FnpA6SsD6rfsjmBUhqvI1wD-pLV>
We're an authorised and
regulated bank
<https://clicks.monzo.com/f/a/IrDCUEHxWjtUm0unT6t9Bg~~/AAAHahA~/N6GZKBO-u8NYQ8nnOx2BuOksLiiof95HIXTelPPnZTq5-1SPDUmtT15WvjYpSn3AXIWmbAZPxprrIJMW01MG7xEZRjyIp-PF2oxf2msOcrh90jz4OOqZQJrLGlK45S9t_BbHwIx1ie8rtyk9WHvWuQ~~>
<https://clicks.monzo.com/f/a/dQ_mpd8R2KD49LgoOsINfA~~/AAAHahA~/zfu6dbBFyZQWFYI4dozjHtvsSXC08qGr3UpxmrWPsMsMDaObg_-V7IKiAfY4qZVFSsirz9C1jiFhYtpvzZZPEbm2bPKzr6YecgrKBIZ0-BU~>
<https://clicks.monzo.com/f/a/hN7614u8mCTsWdgZrid1uw~~/AAAHahA~/zZUE-m3Ex6QLo8fEvKCMgQIxy25VlGLwUcOafe_TJSOcMM4oosSFWkXpypLPvLX4XXhQSu49mFGMm2hosURjly1isUpRa31LRjNfNr5ik9xTFC6OZKPX1CD2AToPJGCFNZAZwmP-bOnwAKVgv93SAz2r0eLBjrCcagtZw7F8_itLOt2tGzqezQKPc3Px6xlPbHUkHVT3cQMI153hPJ_a0g~~>
<https://clicks.monzo.com/f/a/sgdwwrCoW3hau44jBwp5yg~~/AAAHahA~/1j7a6-vwOu7Pujf_UcUlEtwlwMMIAI_foTvqpbQPq6XsUu1J_IqaYJG7AfC19kgO0CT3VD40IFgXJkSqkEl6NWpVY_NHGlMmTtm0PTFVZEYPrkQJDnXYWmq0hdU4JP0b>
<https://clicks.monzo.com/f/a/je9NKF6YOV0b-EYgvmMyaA~~/AAAHahA~/wvk3ASh-_DPHULwJ1lxp1knLEXyUb6aWCMTtFCDcUvCn85bpbc3UfoyBdx1O1-6Wq_SUHVwT62keqqxQLJhDZQtX9yYB6LArveP5PiXNjTRSWto0Lmx7jOixq_UbNF8G>
iShares® and BlackRock® are trademarks of BlackRock, used under licence.
BlackRock has no obligation or liability in connection with any product or
service offered by Monzo.
Don’t want to hear from us again?
You can unsubscribe at any time. No hard feelings.
Monzo Bank Limited is a company registered in England and Wales
(No.09446231) registered at Broadwalk House, 5 Appold Street, London EC2A
2AG.
Monzo Bank Ltd is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation
Authority. Our Financial Services Register number is 730427.
<https://clicks.monzo.com/f/a/psQKOpNm73-cSdfhNjAb0Q~~/AAAHahA~/keGCS70AITB6vYhmQRgX2aW8gUP0e3mBAhgfFt7GteBXk--DqxauayqAldRwqaou-gK58bp-xauRPDnBJB1mNEwkENySdJbF_HOcNk00iBq9PBmeVHhvufKzeDPufIK3bl_ldPp5IQe3b5EwyA-0xQ~~>
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.darkmodeBorderB {=0A=
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.darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
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[data-ogsc] .darkmode {=0A=
background-color: #112231 !important;=0A=
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[data-ogsc] .darkmode2 {=0A=
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[data-ogsc] .darkmode3 {=0A=
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[data-ogsc] .darkmode4 {=0A=
background-color: #218FB7 !important;=0A=
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[data-ogsc] .darkmode5 {=0A=
background-color: #000000 !important;=0A=
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[data-ogsc] .darkmode6 {=0A=
background-color: #FFD7F0 !important;=0A=
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[data-ogsb] .darkmode {=0A=
background-color: #112231 !important;=0A=
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[data-ogsb] .darkmode7 {=0A=
background-color: #FF4F40 !important;=0A=
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[data-ogsb] .darkmode8 {=0A=
background-color: #E3EBE4 !important;=0A=
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[data-ogsb] .darkmode9 {=0A=
background-color: #FFFFFF !important;=0A=
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[data-ogsb] .darkmode10 {=0A=
background-color: #C3FF34 !important;=0A=
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[data-ogsc] .darkmodeFont1 {=0A=
color: #FFFFFF !important;=0A=
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[data-ogsc] .darkmodeFont2 {=0A=
color: #F2F8F3 !important;=0A=
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[data-ogsc] .darkmodeFont3 {=0A=
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[data-ogsb] .darkmodeFont1 {=0A=
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[data-ogsb] .darkmodeFont4 {=0A=
color: #218FB7 !important;=0A=
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[data-ogsb] .darkmodeFont5 {=0A=
color: #112231 !important;=0A=
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=0A=
/* Custom Dark Mode Border Colors */=0A=
[data-ogsc] .darkmodeBorder {=0A=
border: 1px solid #112231 !important;=0A=
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[data-ogsc] .darkmodeBorderB {=0A=
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[data-ogsb] .darkmodeBorderB {=0A=
border-bottom: 1px solid #3B4C54 !important;=0A=
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[data-ogsb] .darkmodeBorder {=0A=
border: 1px solid #3B4C54 !important;=0A=
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[data-ogsc] .darkmodeBorderT {=0A=
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[data-ogsb] .darkmodeBorderT {=0A=
border-top: 1px solid #3B4C54 !important;=0A=
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</style>=0A=
=0A=
=0A=
<title>Monzo</title>=0A=
=0A=
</head>=0A=
=0A=
<body id=3D"body" class=3D"body body-fix darkmode" bgcolor=3D"#FFFFFF" =
style=3D"height: 100% !important;margin: 0 auto !important;padding: 0 =
!important;width: 100% !important;-webkit-text-size-adjust: =
100%;-ms-text-size-adjust: 100%;-webkit-font-smoothing: =
antialiased;word-spacing: normal;background-color:#FFFFFF;">=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
e-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">See=
exactly what you=E2=80=99ve saved and add to it anytime.</div>=0A=
<div style=3D"display:none =
!important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;lin=
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<div style=3D"display:none; font-size:1px; color:#ffffff; =
line-height:1px; max-height:0px; max-width:0px; opacity:0; =
overflow:hidden;">=0A=
=0A=
=0A=
See exactly what you=E2=80=99ve saved and add to it anytime.=0A=
=0A=
=0A=
=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
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=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
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=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
=E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C=
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</div>=0A=
<div role=3D"article" aria-roledescription=3D"email" =
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<table class=3D"darkmode" bgcolor=3D"#FFFFFF" cellpadding=3D"0" =
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<td align=3D"center">=0A=
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border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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100%;background-color:#F2F8F3" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"pt-25 pr-25" align=3D"right" style=3D"padding:55px =
50px 25px 20px;">=0A=
<a =
href=3D"https://clicks.monzo.com/f/a/68avydoy557XeD80wLiyXA~~/AAAHahA~/wt=
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href=3D"https://clicks.monzo.com/f/a/nltCrQQ2aFXfhAFHdxo0kA~~/AAAHahA~/6H=
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<img =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/691aec37c58c730083c6d5cc/original.png?1763372087" class=3D"fullWidth" =
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-ms-interpolation-mode: bicubic; border:none; =
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align=3D"left" style=3D"padding:0px 45px 0px;background-color: #F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
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<tr>=0A=
<td class=3D"Font2 ptb-25" =
align=3D"left" style=3D"padding:10px 0px 10px 0px;">=0A=
<h1 class=3D"h1 =
darkmodeFont2" style=3D"margin:0;padding:0;font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:40px;line-height:46px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;">=0A=
Your whole pension, in =
one clear view=0A=
</h1>=0A=
</td>=0A=
</tr>=0A=
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<tr>=0A=
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ight-rule:exactly;color:#112231;text-align:left;margin:0;padding:0">=0A=
Planning for the =
future=E2=80=99s hard when your money=E2=80=99s all over the place. =
Combine your old pensions into a single Monzo Pension, see exactly what =
you=E2=80=99ve saved and keep adding to it in just a few =
taps.<br><br>Everything=E2=80=99s in one place, so you can grow your =
pension and stay on top of your progress at the same time.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
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<td class=3D"ptb-25 darkmode2">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"280" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<tr>=0A=
<td align=3D"left">=0A=
<table =
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<td =
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=
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
href=3D"https://monzo.com/-deeplinks/pension?source=3Dmarketing:email:pen=
sion-awareness-2" =
style=3D"height:40px;v-text-anchor:middle;width:280px;" arcsize=3D"63%" =
stroke=3D"f" fillcolor=3D"#218FB7">=0A=
=
<w:anchorlock/>=0A=
=
<center>=0A=
=
<![endif]-->=0A=
=
<a class=3D"fullWidth darkmodeFont1" =
href=3D"https://clicks.monzo.com/f/a/nltCrQQ2aFXfhAFHdxo0kA~~/AAAHahA~/6H=
W4KQjJtqclolJqxxL-_LKjUksmNSLwrHp63W-szUFNi_7EVnqdenSjEG-NyY4ZoPCZvUaWnTu=
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y:inline-block;font-family:'MonzoSansB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:600;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Get =
started</a>=0A=
=
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</center>=0A=
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</v:roundrect>=0A=
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<![endif]-->=0A=
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</td>=0A=
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</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
=0A=
<!-- Module 2 Hero End -->=0A=
<!-- Intro Start -->=0A=
<tr>=0A=
<td class=3D"pl-25 pr-25 darkmode2" =
align=3D"center" style=3D"padding:20px 45px 0px;background-color: =
#F2F8F3;">=0A=
<table align=3D"left" =
class=3D"fullWidth" width=3D"510" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:510px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"Font2 pt-0 pb-25" =
align=3D"left" style=3D"padding:0px 0px 00px 0px;">=0A=
<p class=3D"p darkmodeFont2" =
style=3D"margin:0;padding:0;font-family:'MonzoSansR', Tahoma, Arial, =
Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
Ts&Cs apply - you =
could get back less than you invest.=0A=
</p>=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
<!-- Intro End -->=0A=
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-->=0A=
<tr>=0A=
<td align=3D"center">=0A=
<table align=3D"center" =
class=3D"fullWidth darkmode2" width=3D"600" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:600px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation" bgcolor=3D"#F2F8F3">=0A=
<!-- Title Copy Start -->=0A=
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<td align=3D"center" =
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<table align=3D"center" =
class=3D"fullWidth" width=3D"550" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:550px;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
<tr>=0A=
<td class=3D"h2 =
darkmodeFont2" align=3D"center" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:32px;line-height:40px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:center;padding:0px 0px 0px =
0px;">=0A=
See =
what=E2=80=99s to come=0A=
</td>=0A=
</tr>=0A=
</table>=0A=
</td>=0A=
</tr>=0A=
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<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"border-radius:20px;">=0A=
<!-- Module 1 =
Start -->=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
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<tr>=0A=
<td =
valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile mb-30 darkmode">=0A=
=
<table align=3D"center" class=3D"fullWidth mobile" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<td width=3D"24" style=3D"display: block;width:24px;">=0A=
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</td>=0A=
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<td>=0A=
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<table class=3D"fullWidth mobile" align=3D"center" width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
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<tr>=0A=
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<td height=3D"30">=0A=
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</td>=0A=
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<td class=3D"fullWidth mobile" align=3D"center">=0A=
=
<!-- insert URL in href -->=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh=
4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBs=
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=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66a7a79db0ee1c290341ee62/original.gif?1722263453" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
width=3D"190" alt=3D"A screen showing work history">=0A=
=
</a>=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Image End -->=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px =
0px;">Tell us where you worked and when=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">That=E2=80=99s all we need to get started. If you know things like =
your pension reference, provider and rough value, then tell us. =
It=E2=80=99s quicker that way.=0A=
=
</td>=0A=
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</tr>=0A=
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<!-- Copy End -->=0A=
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<td width=3D"24" style=3D"display: block;width:24px;">=0A=
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</td>=0A=
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</tr>=0A=
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</table>=0A=
</td>=0A=
<td =
width=3D"30" class=3D"hide-mobile" style=3D"display: block;">=0A=
=
=0A=
</td>=0A=
<td =
valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile darkmode">=0A=
=
<table align=3D"center" class=3D"fullWidth mobile" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%" role=3D"presentation">=0A=
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<tr>=0A=
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<td width=3D"24" style=3D"display: block;width:24px;">=0A=
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</td>=0A=
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<td>=0A=
=
<table class=3D"fullWidth" align=3D"center" width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
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<td height=3D"30">=0A=
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</td>=0A=
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</tr>=0A=
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<td class=3D"fullWidth mobile" align=3D"center">=0A=
=
<!-- insert URL in href -->=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh=
4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBs=
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=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66a7a799bc38a825dd7186ba/original.gif?1722263449" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
width=3D"190" alt=3D"A magnifying glass">=0A=
=
</a>=0A=
=
</td>=0A=
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</tr>=0A=
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<!-- Image End -->=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px =
0px;">Leave the detective work to us=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">We=E2=80=99re working with pension-finding specialist, Raindrop to =
do the digging. We=E2=80=99ll update you as we take your pension from =
lost to found to homeward-bound.=0A=
=
</td>=0A=
=
</tr>=0A=
=
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<td width=3D"24" style=3D"display: block;width:24px;">=0A=
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</td>=0A=
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<td class=3D"pl-25 pr-25" =
align=3D"center" style=3D"padding:0px 45px 0px 45px;border-radius:20px;">=0A=
<table align=3D"center" =
class=3D"fullWidth" width=3D"500" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:500px;" role=3D"presentation">=0A=
<tr>=0A=
<td align=3D"center" =
style=3D"padding-bottom:30px;border-radius:20px;">=0A=
<!-- Module 1 =
Start -->=0A=
<table =
align=3D"center" class=3D"fullWidth" width=3D"100%" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
<tr>=0A=
<td =
valign=3D"top" =
style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile mb-30 darkmode">=0A=
=
<table align=3D"center" class=3D"fullWidth mobile" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<!-- insert URL in href -->=0A=
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<a =
href=3D"https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh=
4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBs=
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=
<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66a7a794a932d02d75b9f3c9/original.gif?1722263444" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
width=3D"190" alt=3D"A mobile phone with icons pulling into the screen">=0A=
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</a>=0A=
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</td>=0A=
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</tr>=0A=
=
<!-- Image End -->=0A=
=
<!-- Title Start -->=0A=
=
<tr>=0A=
=
<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px =
0px;">Your pensions, pieced together=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">Once we=E2=80=99ve found your old pensions, we=E2=80=99ll bring it =
over into your Monzo Pension so you can see your pensions as one.=0A=
=
</td>=0A=
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</tr>=0A=
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style=3D"background-color:#FFFFFF;width:237px;border-radius:24px;" =
class=3D"fullWidth mobile darkmode">=0A=
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<table align=3D"center" class=3D"fullWidth mobile" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%" role=3D"presentation">=0A=
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</td>=0A=
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<td>=0A=
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<table class=3D"fullWidth" align=3D"center" width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
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</td>=0A=
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<td class=3D"fullWidth mobile" align=3D"center">=0A=
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<!-- insert URL in href -->=0A=
=
<a =
href=3D"https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh=
4-g2AMxCk7YzW1aWnjHA9ce4zbEONnUpQxVDKd2CbwmRw_4pZL0sQeZvWwOOkFHOkMJVNquBs=
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<!-- insert image source in src -->=0A=
=
<img class=3D"m-290 mobile" =
src=3D"https://cdn.braze.eu/appboy/communication/assets/image_assets/imag=
es/66a7a7a45f617328c73b4644/original.gif?1722263460" border=3D"0" =
style=3D"outline:none; text- decoration:none; -ms-interpolation-mode: =
bicubic; border:none; display:block;max-width:190px;width:190px" =
width=3D"190" alt=3D"A screen showing pension balance">=0A=
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</a>=0A=
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</td>=0A=
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<!-- Image End -->=0A=
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<!-- Title Start -->=0A=
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<tr>=0A=
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<td class=3D"darkmodeFont2 h4" =
style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:24px;line-height:28px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:20px 0px 0px;">Put =
your future in focus=0A=
=
</td>=0A=
=
</tr>=0A=
=
<!-- Title End -->=0A=
=
<!-- Copy Start -->=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;padding:15px 0px 0px =
0px;">With your pensions all together, you=E2=80=99ll get a clearer idea =
of where you=E2=80=99re at and if you need to make changes to reach your =
future goals.=0A=
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cellspacing=3D"0" cellpadding=3D"0" =
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Smart enough to change as you do=0A=
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<tr>=0A=
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style=3D"padding:0px 30px 0px 30px;">=0A=
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<table class=3D"fullWidth mobile" align=3D"center" width=3D"100%" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;" role=3D"presentation">=0A=
=
<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
=
Your pension will invest in a target date fund. The fund is =
designed to balance the risk it takes, shifting from higher to lower =
risk investments, using the age you aim to retire as a =
guide.<br><br>You=E2=80=99ll pay a 0.25% yearly platform fee (or 0.20% =
with Monzo Plus, Premium, Perks or Max) on your combined investments and =
pension balance up to =C2=A3100,000, plus ongoing management fees that =
depend on what you invest in.<br><br>That means your maximum yearly =
platform fee is capped at =C2=A3250 (or =C2=A3200 with Monzo Plus, =
Premium, Perks or Max). Your fees accrue daily and are charged monthly.=0A=
=
</td>=0A=
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cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
pt;width:100%;-webkit-text-size-adjust: 100%;-ms-text-size-adjust: =
100%;" role=3D"presentation">=0A=
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<tr>=0A=
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style=3D"font-family:'MonzoSansEB', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:bold;font-size:28px;line-height:36px;mso-line-heig=
ht-rule:exactly;color:#112231;text-align:left;padding:0px 0px 0px 0px;">=0A=
=
Sit back while we work=0A=
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<table class=3D"fullWidth mobile" align=3D"center" width=3D"100%" =
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style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<tr>=0A=
=
<td class=3D"pb-0 darkmodeFont2 p" align=3D"left" =
style=3D"font-family:'MonzoSansR', Tahoma, Arial, Helvetica, =
sans-serif;font-weight:normal;font-size:16px;line-height:24px;mso-line-he=
ight-rule:exactly;color:#112231;text-align:left;">=0A=
=
From start to finish, it can take up to 12 weeks. It=E2=80=99s =
often done much sooner =E2=80=93 but it can sometimes take longer =
too.<br><br>We=E2=80=99ll deal with the tricky stuff in the background =
so you don=E2=80=99t have to. You can sit back and watch as we bring =
your pensions together into one.<br><br>It's important to be sure that =
combining your pensions is right for you. We'll let you know the key =
things you need to think about before we get started.<br><br>And if you =
have any money or pensions questions in the meantime, the =
government=E2=80=99s Money and Pensions Service can help.=0A=
=
</td>=0A=
=
</tr>=0A=
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</table>=0A=
</td>=0A=
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<!--[if mso]>=0A=
<v:roundrect =
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<![endif]-->=0A=
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href=3D"https://clicks.monzo.com/f/a/ReHOlI5A5KOAaU1JqfMTIQ~~/AAAHahA~/yh=
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sans-serif;font-weight:600;font-size:16px;line-height:40px;text-align:cen=
ter;text-decoration:none;width:280px;-webkit-text-size-adjust:none;">Get =
started</a>=0A=
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<![endif]-->=0A=
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<td align=3D"center">=0A=
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<td =
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<table align=3D"center" class=3D"fullWidth" =
width=3D"510" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
style=3D"border-collapse:collapse;mso-table-lspace:0pt;mso-table-rspace:0=
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<td class=3D"pl-25" =
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</td>=0A=
<td>=0A=
<table =
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cellspacing=3D"0" cellpadding=3D"0" =
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<tr>=0A=
<td =
class=3D"pt-15 darkmodeFont3" style=3D"font-family:'MonzoSansEB', =
Tahoma, Arial, Helvetica, =
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0px;font-weight:800;">=0A=
=
We're an authorised and <br class=3D"hide-mobile"> regulated bank=0A=
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<tr>=0A=
<td>=0A=
=
<table align=3D"left" class=3D"fullWidth" width=3D"100%" border=3D"0" =
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100%;" role=3D"presentation">=0A=
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<tr>=0A=
=
<td class=3D"mobile fullWidth pb-25" valign=3D"middle" =
align=3D"center">=0A=
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<a =
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