Consolidating a pension isn't right for everyone. If you are unsure, you can find information from the following places.

Unsure about transferring your pension?

I'm unsure if I'm eligible to transfer online

If you're not eligible don't worry, find out what you can do.

Useful sites

You can also get free, impartial advice about transferring your pension from:

The Money Advice Service

Pensions Advisory Service

How to contact your provider

If you’re unsure about what type of pension you have, or if you have any benefits or guarantees you should contact your employer or pension provider. We have made it easy for you to so this with some templates that ask the right questions so you don’t have to.

Want to transfer a Clerical Medical, Halifax, Lloyds or different type of Scottish Widows pension?

If you don’t have the above information to hand or filed away at home, please contact either:

Contact us

If you have any questions, please call us on 0345 608 0380. We’re available between 9am to 6pm from Monday to Friday. Please note we’re unable to provide any advice.

Speak to an adviser

If you’re not certain whether you should transfer a pension, it can be a good idea to talk to an independent financial adviser (IFA) in your area.

You can choose any financial adviser but you will need to pay for their services. Your employer might provide access to a financial adviser.

Help me find an IFA


You have the right to change your mind and cancel your transfer into your existing Scottish Widows Pension within 30 days of transferring. However, please be aware that your previous provider is under no obligation to accept the money back and you may need to make alternative arrangements.