Can I do it?

You can transfer most pensions to us, but there are some types that we don’t accept.

Just take a look at our list of questions to see if you can transfer your pensions. If you’re not sure what type of pension you have,
our handy letter can help you find out from your current provider.

What does transferring online mean for you?

Because this service doesn’t include financial advice, you’re responsible for finding out if your pensions have valuable benefits you could lose. We can show you information that will help narrow down your choices, but we won’t tell you what to do or which option to take. The decision is yours.

You need to be under 75 and live in the UK to transfer a pension online from another provider. This means that the previous pension is closed after all of the money is transferred to us.

What benefits could I be giving up?

Now consider the valuable benefits and features you might have that you would lose if you transfer your pension to us.

For each pension you’re looking to transfer to us, answer the questions below. If you answer ‘yes’ to any of them, we can accept the pension pot but you should think very carefully about whether you want to lose these benefits. If you’re not sure, talk to a financial adviser.

  1. Does it have a ‘protected tax free lump sum’?
  2. Does it have a ‘protected pension age’?
  3. Do your pensions have any fund guarantees or bonuses? For example, a guaranteed growth or bonus rate, a loyalty bonus or a fund bonus.
  4. Do your pensions have life cover, critical illness cover or waiver of premium?

These policies may be more expensive or impossible to replace elsewhere.

What type of pensions can I transfer?

For each pension you’re looking to transfer to us, answer the questions below. If you answer ‘yes’ to any of them, we can’t accept your pension.

  1. Is it a defined benefit pension (often known as a 'final salary' or ‘career average revalued earnings (CARE)’ pension)?
  2. Does it have guarantees that Scottish Widows can't accept?
  3. Is it part of a block transfer?
  4. Is it the result of a pension sharing order?
  5. Is your employer currently paying into your pension?
  6. Are you taking an income from it?
  7. Is it from outside the UK?

If your pension is written under trust, you'll need the trustees’ permission to transfer.

Not sure?

To find out what type of pension you have, you can send our handy letter to your current provider or use it to talk to them over the phone.

Download the letter (Word)

Now see if it’s right for you.

Positive pension choices

Look at some other things you can do that might boost your pension savings.

Make a change

Retirement ABC

You don’t have to be an expert. Find everything you need to know.

Retirement Basics

Pension Tracing

If you need to find a lost pension, you can search on the Government's website or contact the Pension Tracing Service for help.

Find a pension