Why combine your pensions?

Coins

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 on three things you need to think about when transferring.

 

Read our guide

Why Royal London?

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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. Choose an option based on the type of pension you have with us:

Start a transfer into your workplace pension

If you have a workplace pension or former workplace pension with us you can log in or register for our online service to start your transfer. To register, you'll need your plan number which can be found on your annual statement.

You can also use our mobile app or call us on 0345 600 6042.

 

 

Transferring into your personal pension

If you have a personal pension with us or your pension was originally taken out with a different provider - just tell us about the Royal London plan you're interested in transferring in to, and we'll tell you how to start a transfer.

 

Please note: If you’ve already started withdrawing money from your pension, you’ll need to get advice from your financial adviser if you decide to transfer.

If your pension was taken out from 2004 or after

Request a pack by email

Email our dedicated transfer team at transfersin@royallondon.com to request a transfer pack.

Talk to us

You can also call us on 0345 600 6042 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

If your pension was taken out before 2004

Talk to us

Call us on 0345 050 2020 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

Please note: If you’ve already started withdrawing money from your pension, you’ll need to get advice from your financial adviser if you decide to transfer.

Request a pack by email

You can email our dedicated transfer team at individualtransfersin@royallondon.com to request a transfer pack.

Talk to us

You can also call us on 0345 605 0050 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

 

Talk to us

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

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

Talk to us

Call us on 0345 050 2020 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

Talk to us

Call us on 0345 050 2020 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

Talk to us

Call us on 0345 050 2020 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

Talk to us

Call us on 0345 050 2020 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

Talk to us

Call us on 0345 050 2020 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

 

 

Talk to us

Call us on 0345 602 1885 to discuss transferring a pension to your Royal London plan.

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

Speak to a financial adviser

We also recommend speaking to a financial adviser to help you decide if a transfer is right for you as your old pension may have valuable benefits that may be lost if you transfer.

If you don’t have a financial adviser, you can find one in your area. Advisers may charge for their services, but they should agree any fees with you up front.

Getting Financial advice

There are some situations where you need financial advice before making a transfer. These are if you have:

Find an adviser

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