Your pension in your pocket
Our app makes it easy to keep an eye on your pension and plan for the future.
Contact us
Chat to our virtual assistant
Our virtual assistant
Our virtual assistant is here to help with simple questions about your pensions, insurance and investments. If the assistant can’t help, and it’s between 9am to 5pm Monday to Friday, it’ll put you in touch with someone who can help, either by phone or live chat.
Digital services
Contact us directly
So we can get you to the right team as quickly as possible, have your policy number ready. We’re here between 9am and 5pm, Monday to Friday. We may record and monitor calls to help us improve our service.
Pensions and annuities
Taking money from your pension
From age 55 (increasing to 57 from 2028) you can choose to take some or all of your pension pot. Find out more about cashing in your pension.
If you’ve already taken money from your pension and would like to take more, contact us.
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This is a pension set up by your employer.
Telephone
- If your policy number starts with SW: 0345 755 6557
- If your policy number starts with ZU: 0800 032 1260 (8am to 6pm, Monday to Friday)
- All other workplace pensions: 0345 716 6777
- Outside the UK: +44 131 549 9772
Email
If your policy starts with SW: supportme@scottishwidows.co.uk
If your policy starts with ZU: workplacesavings@scottishwidows.co.uk
In your email, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address).
Post
Scottish Widows Limited
PO Box 24171
69 Morrison Street
Edinburgh
EH3 1HLIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
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This is a pension you've opened yourself, with a financial adviser or in a branch.
If your policy number starts with EM, visit Scottish Widows Platform.
Telephone
Scottish Widows Ready-Made Pension
Scottish Widows Retirement Account
- 0345 716 6733
- Outside the UK: +44 131 549 9772
Scottish Widows Personal Pension
- 0345 716 6777
- Outside the UK: +44 131 549 9772
Halifax Personal Pension
- 0345 030 6244
- Outside the UK: +44 131 549 9772
Clerical Medical Personal Pension
- 0345 788 3333
- Outside the UK: +44 131 549 9772
Post
For Ready-Made Pensions:
The Ready-Made Pension team
Lloyds Banking Group
12 Wellington Place
Leeds
LS1 4APFor all other personal pensions:
Scottish Widows Limited
PO Box 24171
69 Morrison Street
Edinburgh
EH3 1HLIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
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Telephone
- Individual annuities: 0345 757 3494
- If you are a Scottish Widows customer and would like to buy an individual annuity: 0345 835 6644
- If your policy number starts with BA (bulk annuities): 0345 071 2713
- If your policy number starts with BA and you’re calling from outside the UK: +44 124 352 2290
Find out more about the transfer of Scottish Widows bulk annuities to Rothesay.
Email
In your email, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address).
Post
Scottish Widows Limited
PO Box 24171
69 Morrison Street
Edinburgh
EH3 1HLIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
Investments
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Telephone
Post
Ready-Made Investments
Lovell Park Road
Leeds
LS1 1NS -
If your policy number starts with EM, visit Scottish Widows Platform.
Telephone
- Scottish Widows Unit Trust Managers: 0345 300 2244
- HBOS Investment Fund Managers Ltd: 0345 366 1513
- Outside the UK: +44 131 549 9772
Post
Scottish Widows Unit Trust Management Ltd
PO Box 24177
69 Morrison Street
Edinburgh
EH3 1HTHBOS Investment Fund Management Ltd
PO Box 24167
69 Morrison Street
Edinburgh
EH3 1HPIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
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Telephone
- Scottish Widows bonds and endowments: 0345 716 6777
- Halifax bonds: 0345 030 6244
- Clerical Medical bonds: 0345 788 3333
- Outside the UK: +44 131 549 9772
Post
For bonds and endowments bought from Scottish Widows, Halifax or Clerical Medical, write to:
PO Box 24175
69 Morrison Street
Edinburgh
EH3 1HRIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
- Scottish Widows bonds and endowments: 0345 716 6777
Life insurance
Tell us about a change in your health by filling in an ill health notification or find out how to make a claim.
If you have a Clerical Medical Life Insurance policy, visit Clerical Medical.
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Telephone
Protection policies, bought before 2006
From Scottish Widows, Lloyds Bank, Halifax and Clerical Medical.
Protection for life, bought 2006-2020
From a bank branch or direct from Scottish Widows.
- 8-digit policy number starting with 5: 0345 300 0698
Scottish Widows Protect, bought from 2015 onwards
From an adviser or price comparison website.
- 8-digit policy number starting with 5: 0345 030 6240
- 12-digit policy number starting with 6: 0345 030 6572
Plan & Protect - online banking, bought from March 2021 onwards
From Scottish Widows, Lloyds Bank, Halifax or Bank of Scotland online banking.
- 12-digit policy number starting with 4: 0345 608 0378
My life insurance
- 6-digit policy number starting with 1: 0800 849 6089
Halifax/Bank of Scotland Over 50 Guaranteed Life Plan (provided by St Andrews Life Assurance)
Scottish Widows Life Cover For You
Virgin Life & Cancer Cover
- 8-digit policy number starting with 5: 0345 601 9645
Post
Scottish Widows
PO Box 24171
69 Morrison Street
Edinburgh
EH3 1HLIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
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Telephone
Plan & Protect - Mortgage, bought from October 2018 onwards
From a Lloyds Bank, Halifax or Bank of Scotland mortgage adviser.
- policy number starting with SW5: 0330 678 1060
Halifax Total Mortgage Protection Plan (TMP)
Halifax Reassurance Range inc. Level Life Cover Plan, Lump Sum Protection Plan, Decreasing Life Cover Plan, Mortgage Protection Plan, Family Income Life Plan and Family Income Benefit Plan.
- policy number starting with TMP: 0345 600 1194
Post
Scottish Widows
PO Box 24171
69 Morrison Street
Edinburgh
EH3 1HLIn your letter, please include:
- your account, plan or policy number
- your full name
- your address
- how you want us to reply to you
- the contact details you want us to use (such as telephone number, email address)
- your signature, to give us permission to do what you ask.
Scottish Widows Bank
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Telephone
- Savings customers: 0345 845 0829 (Monday to Friday, 8am to 6pm)
- Help with internet banking: 0345 845 0829 (Monday to Friday, 8am to 6pm)
- Outside the UK: +44 131 535 0460 (Monday to Friday, 8am to 6pm)
Post
Scottish Widows Bank
PO Box 883
Leeds
LS1 9TYFinancial Services Compensation Scheme
Your eligible deposits held by a UK establishment of Lloyds Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Lloyds Bank, Mayfair Private Banking, Lloyds Bank Private Banking and Scottish Widows Bank. Some savings accounts under the Charities Aid Foundation brand name are also deposits with Lloyds Bank plc. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Read the How FSCS protects your money guide (PDF, 638KB) or visit the Financial Services Compensation Scheme to learn more. You can also refer to our FSCS Information Sheet (PDF, 116KB).
Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.
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You can use our secure online form to get in touch.
Telephone
- Mortgage customers: 0345 845 8555 (Monday to Friday, 8am to 6pm)
- Mortgage intermediaries: 0345 845 0110 (Monday to Friday, 8am to 6pm)
- Outside the UK: +44 131 535 0460 (Monday to Friday, 8am to 6pm)
Post
Scottish Widows Bank
PO Box 883
Leeds
LS1 9TYContact a mortgage adviser
Our mortgages are exclusively available through independent mortgage advisers. If you already have a mortgage adviser you should contact them. If you’re contacting a mortgage adviser you haven’t spoken to before, visit find a financial adviser for some things you should consider.