meet Zen Pensions

Your simple solution to
Auto-Enrolment

A flexible digital pension for your business. Onboard employees in minutes with zero setup costs, zero paper, and zero stress.
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ZEN Pensions

A pension as flexible as your workforce

Not all pensions bend but your workforce does. Retirement isn't a one-size-fits-all so with Zen Pensions you can offer flexibility at no extra cost, all from a simple user-friendly app.
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Fully Digital
Simple Low Fee
24/7 Access
retirement reimagined

The digital pension, for everyone

The future of retirement fits in your pocket.
No paperwork, no surprises, no fuss. Peace of mind with every contribution, shape your tomorrow today.
Join the Revolution

How does Zen Pensions compare?

Zen Pensions
Auto-Enrolment
Other Employer Pensions
Employer Fees
FREE
FREE
Zero to €2,400+ p.a.*
Flexible Contributions
Yes
No
Yes
Employee Communication
Mobile app
Desktop
Varies
Employee Onboarding
In-app
Employer
Paper forms via broker
Retirement from Age
50
66
50
Tax Relief
Up to 40%
25% equivalent
Up to 40%
Employee Fees
0.90%**
TBC
0.5% to 1%+
*Some technology companies charge a platform fee to access third-party pensions.
**Employee fees start at 0.90%, reducing to 0.80% for balances over €400,000 and to 0.70% for balances in excess of €1,000,000.
Ravi Vinder
Alice E.
Christopher D.
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the smarter pension for small businesses

Set your business apart

Zen Pensions is the smarter alternative to Auto-Enrolment, which your team will love and thank you for. No tech development required - upload your contribution file and make a single payment. It's that easy!

Built for busy employers, with our pension you get:
‍
✅ Zero employer fees
✅ Flexible contributions
✅ Secure contribution portal
✅ Stress-free digital onboarding
✅ Dedicated account manager

Zen Pensions - the calm, clear path to a better retirement.
‍
Digital Pensions

Have confidence in your future

Having setup your account in minutes, our app puts you in control of your retirement savings. You can:

➡️ Check your balance and fund performance
➡️ Choose/update your investment strategy
➡️ Forecast your future savings
➡️ View contributions and fees
➡️ Consolidate old pensions
➡️ Use our in-app chat

At Zen Pensions we believe that there should be no surprises when it comes to your money. We automatically de-risk your account from age 55.

We charge one simple transparent fee, a percentage of your savings. Fees start at 0.90%, reducing to 0.80% for balances over €400,000 and 0.70% for balances over €1,000,000. That's almost 60% less expensive than the average personal pension plan in Ireland.
contact us

We’re here to help 👋🏼

Our friendly Customer Support team are available to help you with any questions about your Zen Pensions account.
Is this for businesses or can anyone sign up?
Initially, we will launch to businesses who will be able to sign up all their employees in one go for FREE!

The functionality for self-employed individuals to sign up directly is on our roadmap for 2026. If you would like to be informed of this, please subscribe to our mailing list below and we'd be delighted to let you know when this is available.
How does it work?
No tech development required - upload an employee file to our secure employer portal and we do the rest. We'll invite your employees to download our app and they can onboard in minutes. You'll have full visibility of registrations. Then, upload your contribution file and make a single payment. It's that easy!
What about Auto-Enrolment (AE)?
Zen Pensions is the smarter alternative to Auto-Enrolment, which your team will love and thank you for. Once contributions start with Zen Pensions you are exempt from AE. With Zen Pensions you have full flexibility - choose how much to pay, let your employees avail of maximum tax relief, make Additional Voluntary Contributions (AVCs), bring old pensions together, retire from age 50, all for one simple low fee of 0.90%, or lower.
How safe are pension savings?
Pension savings are protected by strict Irish and EU regulations. All contributions are held in individual pension plans, separate from the assets of Zen Pensions and the pension provider. The funds are managed by Irish regulated investment managers and held securely by an independent custodian bank.
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Start your Zen journey today.

Join us on our journey to make pensions more accessible, affordable and user-friendly.
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Zen Pensions Limited, trading as Zen Pensions. Company Registration No. 666222. Registered Office: Waterloo Exchange, Waterloo Road, Dublin 4, D04 E5W7, Ireland.
© 2025 Zen Pensions. Powered by innovation, proudly founded and designed in Ireland.