Combine your pensions

Helping to build a more secure and brighter future.

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Did you know…

*6.5 million+ people save with us

*Trusted with £25 billion+ of savers’ money

*100,000+ employers are with The People’s Pension

No fee to transfer your old pensions

It’s easy – we do the hard work

*All figures correct as of April 2024.

Why 1,000s of people transfer to us every month

  1. It’s your money for life. It’s easier to manage all your savings in one online account. If you change jobs, you don’t have to stop saving with us.
  2. Investments matter. Choose from 1 of our 3 investment profiles or self-select.
  3. We give £1 million+ back to our savers each month. The more you transfer to us, the more you’ll get from our rebate.

How do I combine my pensions?

Find these details from your other pensions:

  • Names of providers
  • Policy numbers
  • Approximate values

Then fill out our quick online form and we’ll take care of the rest. 

Get started
Get started

I’ve lost my old pension details

Don’t worry, the government’s Pension Tracing Service is free and can help you find them.

Not ready to transfer yet?

Set yourself a reminder to come back to this page once you have all the information you need.

Is transferring right for me?

Although we can’t give financial advice, we’ll do everything we can to help you.

Before you decide, you might want to consider:

  • your personal circumstances
  • the nature of your other pension arrangements
  • whether you’re planning to access your pension savings in the next 5 years1
  • whether you could be giving up a guaranteed benefit – like guaranteed annuity rates
  • whether the provider you’re transferring from charges.

If you’re a member of The People’s Pension, you can transfer your other pensions into your pot with us. Although it does work in slightly different ways depending on what type of pension(s) you want to transfer in.

For example, if you’re transferring from a ‘defined benefit’ scheme, we’d recommend you read MoneyHelper’s information on transferring out of a defined benefit scheme first.

1Under HMRC rules, if you transfer to us, you might find that you can’t take a pension pot of £10,000 or less all in one go (as a small pot lump sum) if:

  • it’s been less than 5 years since you made a transfer in or
  • it’s been less than 3 years since you made a transfer out.

And your pension savings with us, plus any related pension scheme you’re a member of, are £10,000 or less.

Getting guidance or advice

If you’re unsure about transferring, it’s a good idea to get guidance and advice.

Watch out for pension scams

Learn how to recognise, avoid and report a scam.

Are you an employer or adviser?

Check out our other transfer-related webpage on switching pension providers and consolidation.