Transfer and consolidate your pensions
Get a clearer view of what you could have for retirement when you transfer your old pensions into one pot.
Capital at risk. Tax rules vary by individual status and may change. Compare existing benefits and fees before transferring.
Award-winning investing
What are the benefits of pension consolidation?
Old pensions, such as those from previous employers, have a habit of getting left behind. Take control of your retirement and potentially lower your fees by finding and combining your pensions into one pot. You'll have less admin to keep track of, it may be easier to make changes and when you're ready to withdraw, it can be a smoother process.
Easy-to-manage pot
Keep your pensions in one place.
Access your money your way
Flexible drawdown when you're ready.
Take control of your future
Make changes to your pension if you need to.
How to transfer your pensions
Check with your providers
Before transferring, confirm any exit fees or benefits you may lose.
Open a Personal Pension with us
Personalise your pot to your risk level and preferred investment style.
Transfer your pensions
Add your pension details and then leave the rest to us.
Speak to our pension experts
We can help you find your old and lost pensions and combine them into one, for free. We'll also talk you through the benefits and risks of transferring.
Book a free call
What you'll pay for a Personal Pension
It's free to join us. The only fee is for our experts to manage your money, plus the cost and market spread of the funds we buy into for you. We also provide year-round free access to our insights, free financial guidance when you need it, and regular updates to investors straight from our investment desk.
Questions about pension transfers
What should I check before transferring a pension?
What should I check before transferring a pension?
It's important your details are up to date with your previous pension provider. If any of the details we hold for you differ from the provider you're transferring from, they’re likely to reject the transfer. Common incorrect details are an old address or surname, a wrong National Insurance number, or a wrong pension plan number.
Can I transfer a defined benefit (DB) pension?
Can I transfer a defined benefit (DB) pension?
Transferring isn't usually recommended if your pension has benefits like protected tax-free cash, guaranteed annuity rates or is a defined benefit scheme. We don't accept DB pension transfers from local authority pensions, the Universities Superannuation Scheme and civil service pension schemes. If you’re in an ‘unfunded’ pension scheme in the public sector such as the NHS Pension Scheme or Teachers’ Pension Scheme, you can only transfer your pension to another DB scheme. However, if you have any other DB pension, we might be able to accept the transfer. If you're transferring DB pensions of over £30,000, you must get specialist financial advice first. If the total is less than £30,000, you must sign a declaration stating you're aware of the scheme benefits you’ll be losing and are comfortable transferring.
Will I lose returns if I transfer my pensions?
Will I lose returns if I transfer my pensions?
If you transfer a pension to us, your assets will first be sold and then come to us as cash. As with all pension transfers, your money may be uninvested for a few days during the transfer and potentially miss out on returns during that time. Once completed, we'll invest that money on the next trading day.
As with all investing, your capital is at risk. The value of your portfolio can go down or up and you may get back less than you invest. Tax rules vary by individual status and may change. Before transferring, check you won't lose any benefits or pay any unexpected charges. During a transfer, your investments will be out of the market. Seek financial advice if you're unsure if a transfer is right for you.