A New Survey Reveals That 25% of Britons Are Willing to Consider Cryptocurrency for Retirement Strategies

A recent survey indicates an increasing interest among UK adults in incorporating cryptocurrency into their retirement savings, suggesting that digital assets might eventually vie for a portion of the nation’s multitrillion-pound pension sector.

Key Takeaways:

• 27% of UK adults are receptive to integrating crypto into their retirement strategies, with many attracted by the potential for higher returns.
• Almost one in four would contemplate withdrawing pension funds to invest directly in digital currencies, despite the limited availability of regulated options.
• Concerns about security, regulation, and volatility persist, while experts warn that pensions still provide distinct long-term advantages.

As per UK insurance provider Aviva, 27% of adults surveyed expressed a willingness to include cryptocurrency in their retirement investments.

Among these individuals, just over 40% cited the primary draw as the possibility of greater returns compared to conventional pension assets. The survey, carried out by Censuswide from June 4 to 6, included 2,000 UK adults.

Nearly One in Four Brits Consider Pension Withdrawals for Crypto

The results also showed that 23% of participants would think about withdrawing part or all of their current pensions to invest directly in cryptocurrency.

With over four in five UK adults possessing pensions valued at approximately £3.8 trillion ($5.12 trillion), even slight reallocations could infuse significant capital into the cryptocurrency market.

Despite this interest, options for crypto linked to pensions in the UK remain limited.

The release of the survey follows a recent development in the United States, where President Donald Trump signed an executive order allowing 401(k) retirement plans to include Bitcoin and other cryptocurrencies, thereby granting access to more than $9 trillion in assets.

This contrast underscores the distance the UK must cover in incorporating cryptocurrency into mainstream retirement offerings.

Many investors continue to depend on direct trading via exchanges such as Binance or Coinbase instead of through regulated pension products.

Aviva’s research revealed that about one in five UK adults—approximately 11.6 million individuals—have owned cryptocurrency at some point.

UK retirement savers warm to crypto. A new Aviva survey finds 27% of UK adults would include crypto in retirement, hinting at future flows from a multi-trillion pound pension market.
‣ 27% open to crypto in pensions, per @Censuswide polling for Aviva
‣ 23% would even shift… pic.twitter.com/9xejvGEIGh

— TrinityPad (@Trinity_Pad) August 27, 2025

Two-thirds of that demographic continue to possess some form of digital asset. Younger investors are particularly engaged: nearly 20% of adults aged 25 to 34 acknowledged withdrawing pension funds to purchase cryptocurrency.

However, while enthusiasm is apparent, so are apprehensions. The primary risks identified included hacking and phishing attacks (41%), insufficient regulation and consumer protection (37%), and volatility (30%).

Michele Golunska, Aviva’s managing director of wealth and advice, cautioned that the allure of cryptocurrency should not overshadow the advantages of traditional pensions.

“We mustn’t forget the value of the good old pension. It comes with some powerful benefits, like employer contributions and tax relief, that can make a real difference to your long-term financial wellbeing,” she stated.

Nearly a third of respondents confessed they did not fully comprehend the trade-offs of substituting pensions with cryptocurrency, while 27% were unaware of any associated risks.

UK to Enforce Mandatory Crypto Trade Reporting

As reported, the UK will mandate crypto firms to gather and report comprehensive customer information on every trade and transfer starting January 1, 2026, as part of a broad initiative to enhance tax compliance and oversight in the digital asset industry.

According to a statement from HM Revenue and Customs (HMRC), the new regulations will require platforms to document full names, residential addresses, and tax identification numbers for all users.

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