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.

If your other pension provider doesn’t use Origo for pension transfers, you’ll need to download and fill in a transfer-in pack.

To find out whether your other pension provider uses Origo, choose your provider from the drop-down list in now:u. If your provider isn’t on the list, choose Other and put in their name. Our system will check if your provider uses Origo for pension transfers. If it doesn’t, you’ll see a message explaining this and the option to Download a transfer-in pack.

Download and print the pack. Read it all carefully first, then fill in the forms. It’s likely you’ll need to send documents, such as birth or marriage certificates, as evidence. Please check which documents you need to send and whether they must be original versions or can be copies.

Send the forms to the address in the pack. Remember to enclose the documents the pack asks for. We’ll check all the details you’ve given us and contact you if we have any questions, or we need anything else from you to process your transfer.

We’ll email to tell you when the transfer is done and the money’s invested in your now:pensions account.

Only go ahead with your transfer if you’ve checked it’s right for you. Find out more about transfers from the government-backed MoneyHelper service.

Yes. For example, if you want to take your retirement income in a way now:pensions doesn’t currently offer – for example, buy an income for life (annuity) – you could think about transferring your now:pensions savings out to your new workplace’s pension.

Find out how to do this in our guide.

No. You can only transfer the whole of your now:pensions account to another pension scheme.

Yes. As long as the pension scheme you want to transfer into is a qualifying recognised overseas pension scheme (QROPS). Find out more about overseas pension schemes on the government website here.  

The government-backed independent MoneyHelper service has free guidance on transferring money to overseas pension schemes.  

No. We don’t charge you to bring other pensions into now:pensions, or to transfer your pension savings out to another pension scheme.  

But you should check whether your other pension scheme will charge you to transfer in or out.

Log in to now:u and go to Transfers.

Choose Find and transfer.

We’ve partnered with Pension Lab to help you find your other pensions and show them all in one place.

To use Pension Lab, you’ll need to accept their terms and conditions and agree to share your personal details with them. Choosing Go to Pension Lab will bring up a pop-up note explaining this.

Choose Continue if you agree and want to go to Pension Lab. This will take you outside now:u to Pension Lab’s website.

Don’t want to share your personal details with Pension Lab? You don’t have to use them. You can transfer pensions in using now:u, although you will need to know your other pension providers’ details. Choose Cancel to close the pop-up and go to read our guide about transferring other pensions in.

Yes. You can use The Pension Lab’s service at no extra cost to you. This applies whether you simply use The Pension Lab to find your other pensions, or whether you transfer other pensions in to your now:pensions account through The Pension Lab.

The Pension Lab doesn’t make money by using or selling your personal details. They handle your information securely and only use it to help you find, understand and manage your pensions.

Origo is an industry-standard automated service that allows pension schemes to communicate directly with each other.

If you want to transfer in or out, the transfer will be quicker and easier if your other pension provider uses Origo. Otherwise, you will have to download and fill in a transfer pack.