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 on three things you need to think about when transferring.
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Our mutuality means we're customer-owned, so you could get a share of our profits when we do well.
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Our Governed Range is actively managed by investment experts offering ready-made investment options designed for wherever you are on your retirement journey.
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Our Purpose focuses on supporting you and society, aiming to deliver positive outcomes for the world around us.
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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.
Royal London
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.
Scottish Life
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.
Cooperative Insurance Society
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.
Refuge Assurance
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.
Royal Liver
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.
United Friendly
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.
Canterbury Life
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.
National and Provincial Policy
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.
I don't know
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:
- a defined benefit pension (also known as a final salary pension) worth more than £30,000 and want to transfer to a defined contribution pension.
- a defined contribution pension worth more than £30,000 with a guarantee about what you’ll be paid when you retire (also known as a Guaranteed Annuity Rate) and will lose this benefit by transferring.