Transferring your pension savings to Smart Pension

This page will tell you everything you need to know about transferring your pension savings from your previous pension provider to Smart Pension

Your future contributions

As your employer has moved their pension scheme to us, all future pension contributions will be paid into your new Smart Pension account. This means you will no longer pay contributions into your former pension scheme and if you do nothing your pension savings will be held in two places, rather than one.

What are the benefits of moving my pension savings into one place?

Watch our pension transfer video

Watch our video to find out more information about transferring your pension savings and what you should consider.

What you need to consider

There are a few things you need to think about before you decide to transfer savings over to us, they are:

  • You should read our transfer guide to make sure you’re happy to transfer your pension savings to us.
  • We also recommend that you speak to a financial adviser to make sure transferring is right for you. You can find an independent financial adviser by visiting MoneyHelper.
  • We won’t charge you for transferring your pension to us, but other providers may have exit fees for leaving their schemes. This means the amount of money you transfer into your Smart Pension account could be less than the amount you currently have invested in your former pension scheme.
  • You may have certain taxation protection in relation to benefits that accrued prior to April 2006, which you may lose if you transfer out individually. If you think this may apply to you, please email us at
  • Beware of scammers who are targeting pension savings. You can find more information on staying safe from pension scams on the Financial Conduct Authority’s website and by reading our How to be scam smart page.

Use our online transfer service to move your pension

To begin adding pensions to your dashboard, sign in to your Smart Pension account, click the Combine pensions tile on your dashboard and then select View or combine pensions.

Please read our transfer guide and this page before deciding to move your pension savings over to us.

Frequently asked questions

Can I complete my transfer without using your online service?

If you'd prefer, you can complete your transfer by downloading the application form and returning it to us. Please read our transfer guide and this page before deciding to move your pension savings over to us.

What is the minimum value that I can transfer on an individual basis?

The minimum transfer value is £100 per pot.

How long will this process take?

The time it takes to transfer your pension savings will depend on your previous provider and their existing transfer processes. In some cases, the transfer process can take several weeks. We will keep you updated throughout the process.