Members Transfer a pension

If you’ve got other pensions, it could make sense to put them all together by transferring your other pension savings into now:pensions. This could save you money, depending on the charges you pay to different providers.

Find and combine now Learn more about transfers

A cut out of a young brown woman smiling with her hand rested under her chin

Find and combine your old pensions

Combine all your pensions in one place. We’ve partnered with The Pension Lab, an external provider, to make it simple to bring your other pensions into now:pensions.

Find and combine now

Transferring in

You can bring other pensions in using now:u. Log in to now:u and go to Find and transfer. We’ve partnered with The Pension Lab, an external provider, to help you find your other pensions and bring them in.

Learn more about transferring in
A brown woman sat outside a cafe smiling looking down at a smartphone A brown woman sat outside a cafe smiling looking down at a smartphone

Transferring out

You’ll need to decide whether transferring out is right for you. Transferring out is a big decision and you should think about it carefully before deciding.

Learn more about transferring out
man drinking coffee while working from home man drinking coffee while working from home

Frequently asked questions

See all support for members

Yes. We’ve partnered with Pension Lab, an external provider, to make it easy for you to find other pensions and bring them in to us. To use Pension Lab, you’ll have to agree to share your personal details with them.  

To get started, log in to now:u and go to Find and transfer. You’ll see the option to use Pension Lab. Once you’ve agreed to share your personal details with them, Pension Lab will prompt you to put in information about your other pensions. It’ll search for the pensions and add them to a pensions ‘dashboard’ for you.  

You’ll then be able to transfer them in to us, if you want to. Pension Lab will tell you if any of your pensions can’t be transferred in to now:pensions. 

Learn more about finding and combining your pensions here.

You can also transfer your pensions using now:u. Visit our guide and follow the steps to do this.

If your other pension is defined contribution (DC) – you pay money into the pension and it’s invested to help it grow – you can usually transfer it into now:pensions. Find out more about DC pensions here.

You can also transfer in:

  • pension credits from a pension sharing order after a divorce, and
  • cash transfers from pensions you were in for less than two years.

If the pension you want to transfer isn’t any of these, you’ll need to check whether now:pensions can accept it. There are some types of pension we don’t accept. Your pension provider should be able to tell you if there’s anything that would stop us accepting your pension.

If you were enrolled into now:pensions less than a month ago, you won’t be able to start a transfer in yet. For one month after you’re enrolled into now:pensions, you have the right to stop your payments in, get the money back and be treated as if you’d never been in now:pensions. You can’t transfer in any pensions in until this month is over.

Log in to now:u and go to Find and transfer. You’ll see the date you can start a transfer in from. You’ll also find this date on your enrolment letter.