Pension transfers

Employers tell us one of the most common pension questions they get asked is ‘can I bring my old pension pots into my workplace pension?’. We have a free Digital Pension Transfer Service that can help your employees decide whether they should consolidate other pension pots into their current Workplace Pension. It doesn’t offer or need advice and the decision to transfer is ultimately up to the employee.

It only takes a couple of minutes for employees to register or log in for our online services, and once logged in they can now follow the simple process to submit a transfer request. As they will already be logged in securely, their application will be pre-populated, making the transfer process even quicker. The online journey explains what is involved in a transfer to help employees decide if it is right for them, and provides support throughout every step of the application process.

The online service can support your employees by:

  • helping them understand whether they are eligible to use the service
  • educating and informing them on the features and benefits that their previous pension arrangements may have
  • equipping them with a letter they can send to their previous provider so they know they are asking the right questions
  • helping them to make an informed decision about whether transferring is the right thing for them to do and, if they decide to go ahead, allowing them to complete the process with clear declarations.

For employees who do wish to consider bringing their pension pots together, you won’t need to do anything. Scottish Widows has a dedicated team who will manage the process directly with the employee (at no charge to you or your employees).

Employees who have a Scottish Widows Workplace Pension policy number beginning with 'ZU' can transfer other pensions into that policy by calling us on 0800 032 1260 Monday-Friday 9am-5pm or by emailing us to request a transfer. If they'd like to transfer their 'ZU' policy into another Scottish Widows Workplace Pension policy, they can do so by logging into their online account.


If you have any employees who are interested in finding out more they can do so by registering or logging in to our online services.

For employer use only.