Boring Money Review of True Potential
Holly Mackay's View
Nice for those who want their pension to look and feel like an ISA. The fees are OK – not the cheapest for this type of service but still OK. A questionnaire does the heavy lifting and you’ll stay in touch with a nice app, which is well laid out & designed. This group also invests in technology so you can expect them to ‘keep up with the Joneses’ in this regard. Not for those who want to choose their own and trade.
Holly has accounts with all the providers on our website and independently reviews all of them.
Customer Reviews of True Potential Investor
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27 October 2025
Absolute nightmare to deal with, all I’ve received from them is stress and anguish. Decided to withdraw all my pension with them. Filled out forms which you have to print out and then fill out by hand…then scan and send them via email…ridiculous, why is there not an online way of doing this..after all we are living in the 21st century. Told it would take 4 weeks to get my money back..4 weeks have been and gone still no payment…telephoned them should have been paid last Friday…she said I may have to wait an extra FIVE working days, which of course means another week. I’m absolutely livid….AVOID LIKE THE PLAGUE!!!
Carl
19 September 2025
Reasonable enough app, just dreadful returns. In the three years my pension was with them, I paid almost as much in fees as the returns I made. Transferred to a cheaper fund provider and have made nearly ax as much in four months as I did in three years. It's your money, look after it.
Neil
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Is True Potential Investor right for you?
Best Buy 2021
Best For Digital ISA
Ease of use
The site has a clear dashboard and is mostly jargon-free but more detailed signposting could better guide the end user. The trading and valuation screens work well.
The onboarding process provides customers full access to the information they need, with personal details only required at the end – a rare feat.
Mobile & Apps
On the face of it, this is still one of the most comprehensive apps available from a provider. Users are able to set up new, and add money to existing, investments, check performance of investments, and access documents and statements, amongst other features. The app uses Yodlee technology to allow users to link their current accounts within the app. However, the app can be extremely buggy at times and this has been the case for a sustained period of time.
Facts, Fees & Behind the Scenes at True Potential Investor
Unlike many, what you see on the public site is mirrored largely on the secure site. It’s clear and straightforward. There are some nice additional features like ‘Impulse Save’ which enables top-ups.
Your investment portfolio will be a blended composite of different big brand investment funds and at all in costs of 1.2%ish it’s at the top end of mid range on costs. No ability to pick different fund or trade shares.
What investments are available on True Potential Investor?
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