Pension tracing

We can do this for you. We’ll need you to tell us what you can about your old pension plans or previous employers, some basic personal information and payment of the £100 fee to register. Then we’ll get to work tracing your pensions for you and keep you updated on our progress.

Providing us with details of your previous employers lets us run checks on whether you have a pension in place through that company. Your pension is held separately to the company, so even if they don’t exist anymore we should be able to find any associated pension.

To help us find your lost pensions, you need the name of the company you worked for and when you worked there, or the pension provider that administered your company scheme. It doesn’t matter whether the company is still trading under that name or even if it’s still in business. It should still be on the database. You may also be asked for the nature of the company’s business and your job role.

Once we have the details of your previous jobs and pension schemes,  and you’ve confirmed you want to proceed, the tracing service normally takes about 4 to 16 weeks.

Throughout the tracing process, you can check progress online by logging in to your dashboard.

Your pension savings should be held separately from the company finances.

If it’s a final salary scheme (Defined Benefit), you may not get 100% of the benefits you were entitled to. However, the Pension Protection Fund was set up by the government to protect the final salary pensions of people who worked for companies that no longer exist. It can pay 90% of your benefits if you’re below retirement age or 100% if you’re over retirement age (though there is a cap for higher earners).

If you decide to consolidate one or more of your pension pots to one of our products within six months of us tracing your pensions, we’ll refund your £100 tracing fee.

Once you’ve successfully applied for one of our products and your cancellation period has expired, we’ll process your refund within 14 days. The refund will go back onto the card you paid your tracing fee with.