Unless ill health conditions (as defined by the Finance Act 2004) are applicable, any money you add to a pension cannot be withdrawn until you reach pension age.

This means you can't withdraw money from your CIRCA5000 Pension to your bank account if you're under pension age, nor can you change your CIRCA5000 Pension to an ISA or GIA.

CIRCA5000 also doesn't currently offer a facility to provide pension benefits. So when you're ready to withdraw from your pension upon reaching pension age, you'll need to transfer your CIRCA5000 pension to a pension provider who does offer such a facility.

It's strongly recommended to seek advice from a suitably qualified financial adviser, or obtain guidance from Pension Wise (see www.pensionwise.gov.uk) before accessing your pension.