If PensionBee were to cease trading or go out of business, your pension savings remain fully protected because your money is not held on PensionBee's corporate balance sheet. Instead, funds are securely ring-fenced in independent trust accounts managed by major global financial institutions and custodians (such as State Street Global Advisors or BlackRock). Additionally, UK customers are protected by the Financial Services Compensation Scheme (FSCS), which provides statutory compensation coverage up to specified limits if an authorized provider fails.