Could you save money?

A transfer to us may mean you pay less in charges.

     This section explains

  • How you can find out what you’re currently paying
  • How you might compare your pension charges
  • What to do if you need help.

Every pension comes with fees and charges. These cover the cost of setting up and managing your pension.

How much it costs to transfer

We won’t charge you for transferring your pensions to us. Speak to your current providers to find out if they’ll charge you to transfer your existing pensions.

How to find out about your other pension charges

You may be able to see how much you’re being charged in your other pensions’ policy documents.

It’s also worth checking how your pensions are invested, as this will affect how much you pay in charges.

You may need to speak to your providers to get this information.

Why it’s worth checking

Checking these details will help you compare your pension charges. Then you can decide if a transfer will save you money.

If you’re not sure how to do this

If you’re not sure where to start, read our guide about charges. You can also visit your scheme infosite or view your pension details online to find out more about the charges which apply to your pension with us.

Let us help you check your pensions

This information is not the same thing as advice.
Read more about advice and find out which type might be right for you.

  • If you’d like to find out more about pension transfers, get in touch. Our contact details can be found on your scheme infosite.


  • There are four ways you can find out about your charges:

    • Check your policy/plan documents
    • Look at your providers’ websites
    • Log in and view your pension details online
    • Contact your other providers.

    If you’d like to know more about our charges, visit your scheme infosite or view your pension details online.

  • We’ll talk to your other providers and ask them to transfer your pensions to us. We’ll keep in touch while this is happening to let you know how it’s going.

    If your other provider uses the same transfer service as us, we’ll complete your transfer as quickly as possible. This can take about six weeks.

    If not, we’ll be in touch as we will need a further letter of authority to contact your previous providers to initiate the process. This process can take longer.