Can you combine all your pensions?

People move jobs a lot these days. So that means potentially ending up with lots of different pension plans.

How many pensions do you have?

Even if you have not had that many jobs, you may still have a number of different pensions to keep track of. Pensions can be confusing, but there is an alternative way to help keep on top of them.

Pension Transfers

Pension Transfers (sometimes referred to as Pot Consolidation) may allow you to combine some or all of your defined contribution pensions in one place. Consolidating your pension means fewer statements to keep an eye on, along with fewer and potentially lower management charges.

Can you combine all of your pensions?

Not all pension types can or should be transferred. It's important that you know and compare the features and benefits of the plan(s) you are thinking of transferring.

It can be a complex decision to work out whether you would be better or worse off combining your pensions.

How do you combine your pensions?

You can usually do this yourself for your defined contribution pensions using our service. As it's a non-advised service you are responsible for making sure that this is the right thing for you to do. Transferring your pension might not be the right thing for you and there are a number of factors you need to consider. For more information, visit the Scottish Widows pension transfer page.

Do you need more help?


This free and impartial service helps you understand your pension pot options so you can choose the right one for you.

Provided by MoneyHelper, a government organisation, it offers clear and simple guidance online or over the phone.

To find out more visit or call 0800 138 3944.

If you're still not sure what to do with your pensions, please speak to an independent financial adviser (IFA). Please be aware that there will normally be a charge for any advice given.

They will be able to help you understand your situation and what is best for you. If you don't have an adviser, we can help you find one in your area.

Find an independent financial adviser

Did you know

Did you know

There is an alternative way to keep on top of all your different pensions.

Can you combine your different pension pots together?

Merging your pension pots can make managing your pension much easier, but you may lose access to certain benefits if you do so.

Pension tracing

Pension tracing

If you need to find a lost pension, you can search on the Government's website.

Find a pension

Retirement calculators

Use our calculators to give an idea of how much you’ll need for retirement.

Retirement calculators

Combine your pensions

Combine your pensions

Got more than one pension? Then you could think about putting them all in one place. Combining your pensions with Scottish Widows is simple and we won't charge you for this service.

Pension transfers