Understanding what benefits you could lose if you transfer your pension can be the crucial part of making that decision.

Understand pension transfers
Moving your old pensions into a single personal pension could give you a clearer view of your retirement money. Our useful guides can get you up to speed with how it works.
The value of a pension can go down as well as up – and you could get less than the amount that's been put in.
You should consider charges, investment choices and any valuable benefits that could be lost before transferring any pensions.


If you’re thinking about moving your pension to a new provider, it's important to know how to get your transfer started.

Transferring your old workplace pension to a personal SIPP can help keep things all in one place.

Learn more about financial advice and the role an adviser can play when transferring your pension.

If you’re wanting to transfer a pension, understanding the timeframes can help to make the process more streamlined.

Learn more about the transfer value of defined benefit and defined contribution pensions.

Learn about crystallised pensions including what they are and whether they can be transferred.

Learn more about whether you can transfer an overseas pension to the UK.

Learn more about combining multiple pension pots and the key considerations around this process.

Find out about ill-health retirement, pension access, and financial planning.