Combine your pensions

Bring your old pensions together by transferring them into a single pension. Get a better idea of what you've saved for the future.

  • Pay one set of charges, cut down on paperwork.
  • It's easier to check your pension's performance.
  • We won't charge you for combining pensions.
  • Track your transfer's progress in our app.

You could request a transfer online in under 10 minutes.

Get started

Why combine your pension with us?

Own your future

Bring all your pensions together for a clearer idea of what you've saved, and the kind of future you could be on track for.

Less to manage

One pension means less paperwork and admin to juggle. It's also easier to access your money when you choose to retire.

Keep it simple

Combining into a single Scottish Widows pension means you'll only pay one set of fees and charges, instead of paying multiple.

Scottish Widows expertise

Scottish Widows has been helping people save for their future for over 200 years and remains one of the UKs largest pension providers. We're part of a group that includes well-known names such as Lloyds Bank, Halifax and Bank of Scotland.

"Great experience. Thank you for making it seamless and stress-free."

"Scottish Widows is more flexible, and gives me more options with what I can do with my pension."

"I already have a work pension with Scottish Widows, so it made sense to move the other pension over."

"It's been a great experience overall. I really appreciate the support and guidance throughout."

Reviews from customers we surveyed in 2025

Is a pension transfer right for you?

Pension transfers aren't for everyone. Here's a few things to consider before requesting your transfer:

  • Our charges may be higher or lower than your current provider’s
  • Ask your old provider if there’s an exit fee for transferring out
  • Check to see if you’ll lose special features or guarantees by leaving
  • Our pensions may offer fewer investment options
  • You should speak with a financial adviser if you’re unsure. There’s usually a charge for this.

Read our pension transfer guide to find out more.

Combine your pension in 3 easy steps

Get your details

We'll need your old pension's plan or policy number, and its current value. Your provider can help if you can't find them.

If you don't know who your provider was, you could use a pension tracing service.

Start a request

You could request a transfer online in less than 10 minutes, or quicker in our app.

After we've received your pension transfer request, you'll have 30 days to cancel it if you change your mind.

We'll do the rest

Pension transfers typically take around 5 weeks for us to complete. We'll be in touch if we need anything else from you.

Most transfers can be tracked using our app's pension transfer tracker.

Ready to start your transfer?

You could request your transfer online in less than 10 minutes, or quicker in our app.

Get started Get started combining your pension