Find, check and combine your pensions

If you haven't previously verified your identity, we'll need to verify your identity to make sure we are sharing your pension details with the right person - to protect you from potential fraud.

To do that, we’ll need photo ID - either your passport or driving licence. You’ll then need to take a selfie with your phone. We’ll check your selfie against your photo ID to verify your identity. If you can’t do this, you won’t be able to use the service.

No, you can also use the service to get more details about pensions you already know about too. Just provide your plan number and pension provider and we’ll check them for you.

Not all providers are quick to respond to a request for information about pensions. So, it may take from four to twelve weeks from you applying until we can give you information on your pensions. 

If you decide to combine your pensions with us, it can take another three to six weeks until your money's with Aviva.

When we contact your pension providers, we’ll check for all safeguarded and certain valuable benefits you may lose by consolidating your pensions, or any charges for transferring. You can see which ones we check for here.

Sometimes we can't find a pension. This could be for a number of reasons including things like not being able to locate who your employer's pension scheme was looked after by. We'll always try and find a pension but if we can't, we'll contact you to let you know.

When we've checked your pension, we will email your results to you.

No. But if we find your pension is a defined benefit pension, we’ll let you know with an email.

Yes, for some Aviva Workplace pensions and our existing Aviva Pension (SIPP) you’ll be able to transfer into those pensions. If you are able to transfer into an existing product with us, we’ll explain how to do this when we share your pension results. 

If you can’t transfer into your existing Aviva Workplace pension or Aviva pension, we’ll tell you how you can transfer to a new Aviva Pension (SIPP). Then you can decide if it’s right for you.

No, this service doesn’t offer advice on your pensions. 

At Aviva, we do offer financial advice, so you could speak to one of our experts. Click here to find out more. Or you can find an independent financial advisor at Unbiased.co.uk. There will be a charge for advice.

We're afraid not, so it's important to have all the information you need to hand. Once you've applied, if you have a dashboard, you can return to it at any time.

To use our Find and Combine service you’ll need a MyAviva account or MyWorkplace account - if you don't have one, you can register for these during the application process.

You'll need to use MyWorkplace if you have a workplace pension with an account number starting with "GS", or a membership number starting with "F". You can find your account number or membership number on your policy documents, statements, emails or letters we've sent you.

For security, you may also have to verify your identity. To do this you’ll need a passport or driving licence as photo ID, plus your mobile phone (to take a selfie).

To find lost pensions, you’ll need your previous addresses and name (if there’s been any change), plus employment or provider details for any pensions you think you may have.

To check pensions you know about, the pension provider name, policy number and any name and address you may have given to the pension provider.

Nearly all pensions have ongoing management charges, which differ from pension to pension.

You could benefit from better growth in the long term by transferring to a pension with lower overall charges, so it's important to know what they are on all of your pensions. Charges information should be on annual statements or set-up documents, but otherwise your provider can tell you what yours are.

Not all charges have the same names, so look out for things like:

• Annual management or maintenance charges - these are most common.
• Yearly fund charges - these may apply to the funds themselves that you are invested in, rather than the whole policy.
• Exit fees - some providers may charge you for transferring away.

Your current charges

To help you compare your pensions, check your Aviva charges on each Aviva policy. Your policy documents, annual statements and set-up documents may contain details about your charges.

You can access your Aviva policy documents in the Documents library once you log in to MyAviva.

If you don't have documents for your other pensions or are waiting for pension results from us, contact your provider who will be able to tell you more.