Tick pensions off your to-do list and get back to business
Zen automates setup, contributions, and reporting, all in one secure, digital system.
✓ Go live in minutes
✓ €0 setup or platform fees
✓ Automated daily reconciliation
Why settle for the default?
Auto-enrolment is a good start, but leaves little room for flexibility.
Legacy providers overload teams with onboarding, documentation, and broker coordination.
And when pensions are tied to jobs, savers lose track of what’s theirs.
Zen changes that.
It replaces the complexity of outdated systems with a fully digital, compliant pension built for the modern workplace.
Compliant. Automated. Effortless.
Set up a fully compliant pension in minutes without the need for technical integrations.
Each monthly payment is automatically allocated, invested, and reconciled in the background.
Statements, fund updates, and projections can be viewed in-app.
Employees manage their own pension with long-term portability and full visibility.
Peace of mind starts with the right solution
All the admin, chasing, and hidden costs, gone.
Zen Pensions
FREE
Mobile app
In-app
50
Up to 40%
0.70% to 0.90% p.a.**
Auto-Enrolment
FREE
Desktop
Employer
66
25% equivalent
TBC
Other Employer Pensions
Zero to €2,400+ p.a.*
Varies
Paper forms via broker
50
Up to 40%
Up to 1%+ p.a.
*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.
†Retirement from age 50 is available where retiring from employment.
Meet the team behind Zen Pensions
We’re a team of pension pros and tech builders on a mission to make pensions simple, transparent, and stress-free.
Our team combines decades in pensions, regulation, financial services, and digital product design.
Ailish Dooley
Chief Executive Officer
KPMG-trained accountant with 25+ years’ experience in financial services and banking. She has held various positions across Finance, Product and Operations in Ireland, United Kingdom & Australia. Her most recent role was COO of Barclaycard International Payments Ltd (BIPL), a Pre-Control Function (PCF) role, where she was responsible for the set-up, design and delivery of BIPL’s Operating model and successful delivery of Scheme & CBI Regulatory licences. She was Business Lead for Barclaycard’s European Expansion program.
Richard Kelly
Chief Operating Officer
Richard has over 20 years’ experience in the area of workplace and personal pensions and previously held management roles with firms such as Coyle Hamilton, Mercer and Independent Trustee Company, together with in-house positions with Vhi Healthcare, daa, Primark and CBRE. A Bachelor of Business graduate from Dublin City University, he is also a Qualified Financial Advisor (QFA), holds a Pensions Diploma from the LIA, and is a qualified Pension Trustee Practitioner (PTP).
Richard Skinner
Chief Technology Officer
IT professional with 15 years of experience. Richard set up, owns and manages Itero Software, a full-stack technology development agency, and has extensive experience in building large scalable software platforms for multi-nationals and start-ups. He designs, develops, and deploys scalable and secure web and mobile applications that use big data, machine learning, and cloud computing technologies. Richard is a Certified ScrumMaster® and a strong advocate of agile methodologies and best practices.
Conor O’Neill
Chairman
Conor is an actuary with over 35 years’ experience in financial services, the last 20 as CEO. He has been CEO of a MiFID firm, life insurance, non-life insurance and reinsurance companies. In the last 8 years, Conor ran the Dublin office of Canada Life Re which had significant global reach, has over 180 staff of whom 110 are actuaries. Conor was CEO of Barclays Insurance in Ireland and co-founded Delta Index, an Irish financial spread betting firm. He also has a law degree.
John Matthews
Head of Compliance
Experienced Head of Compliance with a demonstrated history of working in the financial services industry. Skilled in Portfolio Management, Financial Risk, Business Relationship Management, Risk Management, and KYC. Strong legal professional graduated from Moyle Park College.
Killian Dineen
Head of Partnerships
Killian is a Qualified Financial Advisor (QFA) with experience across energy, precious metals trading, and financial advisory. He has worked directly with individuals and businesses on portfolio management, retirement planning, and financial decision making, focused on bringing clarity to important financial decisions. Killian holds a Masters in Finance with a focus on Banking and Risk Management and a Bachelor’s in Economics, both from University College Cork.
Together, we’ve turned that expertise into something effortless, a pension that just works.
Proudly Irish-owned and operated, we’re building technology that simplifies retirement for everyone, starting right here in Ireland.
Curious to learn how Zen works?
Learn how we simplify pensions while giving individuals unprecedented control over their retirement savings.
For Workplaces
Ireland's first fully digital pension. Zero setup costs, Zero paperwork, Zero stress.
Explore Zen for WorkplacesFor Pension Savers
A digital pension that you can manage from your phone. Clear, reliable, and designed to stay with you throughout your career.
Explore Zen for Pension Savers