Get your pensions together

When you combine your pensions with us and invest in our Governed Range, you'll have investment experts actively managing your pension savings.

You can start a transfer online or on our app.

Combining pensions, also known as transferring, isn't for everyone. For more information on the pros and cons, read the information on this page.

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Why combine your pensions?

Keep it simple

It can be hard to keep track of different pensions. Having your pension savings in one place makes it easier for you to manage.

Track your goals more easily

It can be easier to see how much you've saved for retirement, and if you're on track for your goals.

Plan charges

Different plans have different charges. Moving to a plan with lower charges could save you money.

Things to look out for before transferring

Here are a few things to consider before deciding on whether to transfer your pensions:

Valuable features and benefits

You should check your existing plan for benefits like a Guaranteed Annuity Rate, loyalty bonuses or protected tax free cash. They could be lost if you transfer.

Compare your charges

On your existing plan(s) and your Royal London plan.

No guarantee of a bigger pot

Combining your pensions doesn't mean you'll necessarily get a higher income or bigger pension pot.

Transferring your pensions into one plan may not be right for you. You can get more information from MoneyHelper and if you're unsure you should speak to a financial adviser.

For more information on the things to consider before transferring, you can read our guide - 'Should I transfer my pension: Three things to think about'.

Read our guide

Why Royal London?

Our mutuality means we're customer-owned, so you could get a share of our profits when we do well.
Our Governed Range is actively managed by investment experts offering ready-made investment options designed for wherever you are on your retirement journey.
Our Purpose focuses on supporting you and society, aiming to deliver positive outcomes for the world around us.
5 Star rated Workplace and Personal pensions.

What you'll need before transferring

Find your other pensions

If you're unsure who your other pensions are with, use the Government's free Pension Tracing Service. You can also read our guide to tracking down your lost pensions.

Get your plan numbers

We'll need the plan numbers of the pensions you'd like to transfer as well as your Royal London plan number.

Your pension transfer value

This is the amount that can be transferred over from your other pension(s) into your Royal London plan. You can also confirm this by speaking with your other provider(s) or using the tracing service.

How to start a transfer

There are different ways to start a transfer into your Royal London pension. You can request a transfer into most Royal London pensions online or with our mobile app.

If your Royal London pension was originally taken out with a different provider, find out how to request a transfer into your plan.

Transfer your pension

Log in or register for our online service to request a transfer into your Royal London pension plan. To register, you'll need your plan number which is on your annual statement.

If you're transferring into a workplace or former workplace pension, you can also use our mobile app.

Start a transfer online

Alternatively, you can call us to discuss transferring your pension:

Workplace pensions - 0345 600 6042
Personal pensions - 0345 646 1693

Lines are open 8am to 6pm, Monday to Friday, excluding bank holidays.

Pensions taken out with a different provider

If your personal pension was taken out with a different provider and has since moved to us, you can still transfer to your current Royal London personal pension.

Select the provider your personal pension was originally taken out with, and we'll tell you what to do next.

Talk to us

Call us on 0345 605 7777 to discuss transferring a pension to your Royal London plan.