Bringing your pensions together
As you move from job to job and potentially change addresses it can be tricky to keep track of your pensions. With every new one it’s more admin to deal with. By bringing them together you can have a clearer view of how much money you'll have for retirement, where it’s invested and what you’re being charged.
It’s always important to consider any guaranteed or valuable benefits that your existing pensions may have and any exit fees. You should also compare charges, investment choices and retirement options as part of your decision. Tax rules can change and any benefits will depend on personal circumstances.
Easier to manage 
After changing jobs a few times, it can be hard to keep track of all your pensions. So combining them with your workplace pension could make your life easier
View your full fund value 
By bringing all your pensions together, you'll be able to view your current fund value all in one place in your online Aviva account
Reduce the number of pension fees you pay 
Combining your pensions could mean potentially lower charges
Things to think about before combining pensions
While combining pensions into your Aviva workplace pension may offer the potential for higher returns than cash savings over the long term (5+ years), investment values can fall as well as rise, and you may get back less than you pay in.
Make sure you don’t lose valuable benefits
Check whether your pensions include benefits you won’t keep if you transfer. Here are some common examples:
- The option to take more than 25% tax-free cash
- Enhanced life insurance or death benefits
- The option to take your pension early
- Loyalty bonus or waiver or premiums
- A protected pension age below the normal minimum pension age
Fees and other considerations
There are a few things you need to consider:
- Your provider may charge an exit fee
- Some providers won’t take your pension back if you change your mind
- You might miss out on future employer contributions if you transfer a current workplace pension
- Whilst transferring you may be out of the market so won't benefit from market rises or be be affected by any falls
When we can’t accept a pension transfer
We won’t be able to accept a transfer if:
- it’s a defined benefits pension (also known as a final salary pension)
- you’ve already started taking money from your pension
- it includes a guaranteed annuity rate or safeguarded benefits.
MoneyHelper
If you want more help thinking about pensions and retirement, a good place to begin is MoneyHelper, the government-backed free guidance service. The MoneyHelper service won’t tell you what you should do, but they’ll provide you with information to help you understand your options.
For advice, you should speak to your financial adviser. Bear in mind they may charge a fee for this advice, but it will be personalised to your individual needs. If you don’t have an adviser, you can find an up-to-date list of regulated advisers at MoneyHelper.
How to combine your pensions
Log in to MyAviva
Log in to MyAviva From a browser, log into your MyAviva account and go to the "Policy details" page. Select "Transfer a pension" and follow the instructions
If you are accessing via the MyAviva app, select "Manage" and then "Transfer another pension to Aviva".
Track down old pensions
Track down old pensions Need help finding your old or lost pensions or need more information about ones you already know about?
Take control of your pensions. Our free Find and Combine service can hunt them down, check for certain benefits and fees, and even bring them together.
You may need your policy number if you haven't accessed your account online before.
Pension transfer FAQs
What's the cost of transferring my pension?
What happens to investments during the transfer process?
How long does it take to transfer a pension?
Are there any pensions that can't be moved using the online transfer journey?
Learn more about pensions
Put more pieces of the pension puzzle together
Rules
Should I combine my pensions into one pot?
If you have more than one pension, there can be pros and cons if you're planning to combine them into one pot.
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Allowance
What's pension tax relief all about?
Understand how pension tax relief works, what it's based on and the impact it has on paying into your pension.
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What you need to know about defined benefit transfers
If you have a defined benefit pension, you may be able to transfer it into a defined contribution pension. Read on to find out more.
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Workplace
Should I pay extra into my workplace pension?
Things to consider if you want to boost your retirement fund.
MyAviva is owned and operated by Aviva Insurance Limited.
Aviva Pension Trustees UK Limited. Registered in England and Wales No. 2407799. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 465132.
Aviva Life & Pensions UK Limited. Registered in England and Wales No. 3253947. Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 185896. Member of the Association of British Insurers.
Aviva Investment Solutions UK Limited Registered in England and Wales No. 6389025. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 515334.