Pension transfers

Depending on what type of pensions you have, consolidating them into a Scottish Widows Pension could have a number of benefits for you.

  • It’s simple: consolidating your pension means fewer statements to keep an eye on, fewer and potentially lower management charges.
  • We won’t charge you to use our service: we don't charge to transfer your other pension to us.
  • Peace of mind: Your pension pot will be looked after by one of the largest pension providers in the UK who’ve been looking after people’s financial futures for over 200 years.

Who can transfer their pensions in?

Scottish Widows Workplace Pension Customers

(Also known as Group Personal Pension or Group Stakeholder Pension) which your employer is paying contributions into.

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Scottish Widows Retirement Account Customers

(I already have a Retirement Account with Scottish Widows)

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Other Types Of Scottish Widows Pension Customers

(Including a pension that your employer is no longer paying into)

How to transfer

I Am New To Scottish Widows

(I don't have a Scottish Widows pension but would like to know more)

How to transfer

What type of pensions can be transferred in?

Not all pension types qualify to be transferred into a Scottish Widows pension using this service. For your pension to qualify it must:

  • NOT be a defined benefit (sometimes called a 'final salary') pension and not have certain types of guarantees
  • NOT be part of a block transfer
  • NOT be the result of a pension sharing order
  • NOT be currently receiving contributions from your employer
  • NOT already be in drawdown
  • NOT be from an overseas pension scheme.

Unsure if your pension qualifies?

If you are unsure whether you can transfer, read our frequently asked questions.

Read FAQs

For your pension to qualify, it must be transferred in full (i.e. it must NOT be a partial transfer).

The online transfer process

You can only use our online transfer process if you already have a Workplace Pension or Retirement Account with Scottish Widows.


Things to consider

  • Features & benefits
  • Investments
  • Charges
  • Compare pensions

Things to consider


Get ready to transfer

  • Everything you need to know about the transfer
  • Use our templates to get the right information from your provider

Get ready


Transfer your pension

  • Make sure you've completed steps 1 & 2
  • Use our secure online form to make the transfer

Transfer online