Also known as: MoneyHelper; Money and Pensions Service
MoneyHelper is a free, impartial money and pensions guidance service operated by the Money and Pensions Service (MaPS), a government-backed public body. It brings together the services previously provided by the Money Advice Service, the Pensions Advisory Service and Pension Wise.
MoneyHelper does not give regulated financial advice, but it provides clear, impartial guidance on budgeting, saving, borrowing, debt, pensions and benefits. It also operates a debt advice locator and a retirement planning tool.
If you are struggling with debt, MoneyHelper can signpost you to free regulated debt advice services. For pensions, its advisers can help you understand your options, though they will recommend speaking to a regulated financial adviser for complex matters.
MoneyHelper is free to use by phone (0800 138 7777), online at moneyhelper.org.uk, or via webchat. There is no charge for any of its services.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from MoneyHelper’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Free impartial money and pensions guidance; debt help signposting; budgeting tools; benefit calculators; mortgage guidance; retirement planning information
Trading names and group notes
Previously known as the Money Advice Service. Merged with Pension Wise and the Pensions Advisory Service in 2019 under the Money and Pensions Service brand. The moneyhelper.org.uk website launched in 2021.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
No review data available.
Other review sources
Government-backed service. Not independently reviewed on Trustpilot or Google as a commercial lender.
Overall public sentiment
MoneyHelper is widely cited as a trusted, free resource by debt charities, Citizens Advice and the FCA. It is not a commercial lender.
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-07-06
Next review due
Periodic review
StepChange Debt Charity
StepChange; Consumer Credit Counselling Service (formerly)
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PayPlan Limited
PayPlan; Totemic Limited (FCA-authorised trading entity)
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The Debt Advisor Limited
The Debt Advisor; The Business Debt Advisor
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Money Advice Trust
National Debtline; Business Debtline; Wiseradviser
View details →
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