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A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

Each state has its own regulations about pool fences, and laws to protect both swimmers and pool owners. Before installing a pool, you’ll need to research what the pool laws in your state, city, and county are to ensure that you’re adhering to the legal regulations. Inground pools typically need to have a fence around the entirety of them, but the rules regarding above-ground pools are less stringent. A good rule of thumb is to always have a fence around your pool to ensure safety for all. 

Building an inground pool is a job best left to the pros. Excavating the area and building the pool requires heavy equipment and specialized training, and pools have complex plumbing and electrical systems. Unless you’re experienced in these areas, you’re better off hiring a pool contractor to make sure the job gets done safely and correctly. 

Mesh and tempered glass are both very safe pool fencing options because they’re difficult to climb. You might also want to consider installing a pool safety net, and always make sure your pool is maintained properly. You could even consider a swimming pool enclosure that surrounds the pool on all sides.