To front: I normally don’t leave bad reviews, I give companies the benefit of the doubt and try my best to resolve issues with them directly. That said this warrants a poor service review. I’ve been an investor with wealthify for over 2 years and generally have had no issues with them. I’ve even helped with their beta app development, testing and suggesting changes to help the usability of their software. Returns have been poor, worse than S&P 500 which is a useful benchmark. That said the negative review has been the awful experience with my pension. Things are hard at the moment with a cost of living crisis, so I cancelled my regular pension payment 10 days before it was due to go out, rescheduling it for another 10 days later to reconsider my ability to invest. I received messages that this had been actioned. Unfortunately it wasn’t and they took the money. I immediately cancelled the second deposit. Once again this was still taken out. After contacting wealthify they said I should be able to withdraw the money. The fact they had no idea how a pension works is doubly shocking, as I cannot withdraw ahead of retirement age. After contacting them - nothing but silence. I’m now unable to afford a regular train fare or other essential payments I was due to budget for, somehow doubly worse off than my initial intention to save costs just for a single month. Awful comms, poor service and a complete lack of care. I’ve had similar issues transferring money into a JISA from family members wishing to contribute. My advice to everyone is to look for a more established provider. Sure their app is clean, but the service is terrible. N.B it’s interesting to note the discrepancy in time take to take funds vs withdraw them. Despite ample leeway and timings, they weren’t able to cancel my regular deposit, but as others have mentioned it can take more than 10 days to withdraw any money from your account.