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Employee pension transfers

We can help your employees bring their pensions together – and help give them more clarity over their future

Helping employees find one home for their old pensions

Bringing all their pensions together could be a simpler way for employees to manage and keep track of their retirement savings.

With all their pension savings under one roof, it could help employees feel more confident about planning their future. As a result, it could boost their financial wellbeing and help them feel more focussed at work.

Transferring isn't right for everyone. There's no guarantee that an employee's retirement income will be better after combining pensions. Their existing plan may provide benefits or guarantees that the new plan might not offer. If unsure employees should seek financial advice. See the employer guide for further important information. Money invested is at risk

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Watch: We talk pension transfers

It’s easy for your employees to bring their pensions together

1. Trace

Employees can track down old pensions using our Pension Finder tool, available via Money Mindset.

Go to Money Mindset
2. Think

Employees should carefully consider whether combining is right for them. For further information, they can visit MoneyHelper.

Visit MoneyHelper
3. Bring together

Employees can use the Standard Life app or dashboard to transfer old pensions into one plan.

Find out more

Get your employee pension transfer campaign materials

We have a range of campaign materials to help you communicate how employees can find lost pensions and how pension transfers work.

Visit our employee pension transfer hub to download your ready-made campaign materials.

Get your ready-made campaign now

Get your employee pension transfer campaign materials

We have a range of campaign materials to help you communicate how employees can find lost pensions and how pension transfers work.

Visit our employee pension transfer hub to download your ready-made campaign materials.

Get your ready-made campaign now

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Employee pension transfers FAQs

: We’ve created an employer guide to pension transfers which explains how you can point employees towards useful resources and information.

You can also download our employee pension transfer materials, which gives them an overview of the steps involved.

If employees decide that combining is right for them, it’s quick and easy for employees to bring their pensions together. Employees can start the pension transfer process using the Standard Life app, giving them the ability to manage everything in one place.
: When people have lots of pension pots dotted around, it can be difficult for them to see how much they’ve got, making retirement planning feel complex and overwhelming. This could have a negative impact on their financial wellbeing – and affect workplace productivity and performance as a result.

We can help your employees bring their old pension pots together, so they can see how much they’ve got in one place. This can help them feel more confident about retirement planning – and help boost their financial wellbeing in the process.

Having a better understanding of finances in general can help employees feel financially well. Our digital platform, Money Mindset, gives them instant access to bitesize content and tools, which could boost their financial knowledge and help them manage their money with confidence.
: What’s holding some people back from combining their pensions? According to our Retirement Voice 2023 report, not knowing how to consolidate (25%), uncertainty around whether their savings are better staying as they are (17%) and worrying about making a mistake (13%) are the main blockers to taking action.
: If your employees have pension savings spread out over multiple pots, it makes it difficult for them to see what their future could look like. Combining pensions could help employees connect more with their pension savings and help them to stay involved with their financial planning. When everything is in one place, it can feel much easier to track and manage.