It’s never been easier to combine your pensions and we can guide you through every step.
Speak to our specialists for a free consultation on whether combining is right for you.
You can call us Monday to Thursday (9am–8pm), Friday (9am–6pm) or Saturday (9am–1pm). Or let us call you.
For more information on combining your pensions visit our pension transfers site.
Pensions transfers require careful consideration. They aren't right for everyone and there are a number of things you need to understand before deciding if it is the right thing to do. Our online service and dedicated telephone support team provide helpful information to help you understand what type of pension plans and guarantees or benefits you may have, to help you make an informed decision on whether transferring is in your best interests. If you do decide to move any of your pensions they will be transferred on a non-advised basis. We do not offer financial advice as part of this process and you will be responsible for making sure that this is the right thing for you to do.
If you would like financial advice we can discuss the options available to you either through a Scottish Widows Adviser or we can help you find an independent financial adviser.
On average people expect to have 11 different jobs in their lifetime. That’s a lot of pensions (Source DWP)
44% of people in the UK don’t know they can combine their pensions. (Source You Gov)
1 Speak to us
2 Processing and set up
3 Pension transferred
Trace a lost pension? Find out how in our Pension Basics in 30 seconds.
If you can’t find an old pension or remember who it was with, the Government have a pension tracing service that can help you track them down.
20 minutes to find out more on our Pension Transfers site.
Take 15 minutes to call our experts and see if combining your pension is right for you – 0345 608 0383
We won’t be able to offer financial advice as part of this process but will be able to help you make an informed decision on whether transferring is in your best interests.
If you would like financial advice before combining your pensions we can discuss the options available to you through a Scottish Widows Adviser or we can help you find an independent financial adviser but remember there may be a charge for this advice.
I can’t praise them enough. They made it so easy doing everything over the phone
They were exceptionally professional
This was the first time anyone had spent time trying to understand my situation & needs
Source: CSR International – Pension Consolidation research- Feb 2017
Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn't guaranteed, and can go down as well as up. The value of your plan could fall below the amount(s) paid in.