Pension tracing – find your lost and old pensions

A pension tracing service can help you find pension schemes you may have contributed to in the past but have since lost track of. These could be workplace pensions from previous employers, personal pensions, or other types of retirement savings accounts.

To start a pension trace for a workplace pension you’ll need some details of your previous employers and when you worked there and your National Insurance number and to trace a personal pension you will need to know the policy number or the provider.

At Aviva we have a new, free service called Find and Combine. It doesn’t just track down those previous pensions for you, we’ll check for the loss of certain benefits and help you check for any others. We’ll also check for any exit fees. Then, if you want the benefits of a single pension, we can bring them together.

The government operates a free pension tracing service that can help you get in touch with your previous pension providers. 

The value of an investment can go down as well as up. You could get back less than invested.

No, you can also use it to get more details about pensions you already know about too. You can provide your plan number and pension provider, or just your employment details, and we’ll check them for you.

To use our Find and Combine service you’ll need a MyAviva account or MyWorkplace account - if you don't have one, you can register for these during the application process.

You'll need to use MyWorkplace if you have a workplace pension with an account number starting with "GS", or a membership number starting with "F". You can find your account number or membership number on your policy documents, statements, emails or letters we've sent you. 

For security, you may also have to verify your identity. To do this you’ll need a passport or driving licence as photo ID, plus your mobile phone (to take a selfie).

To find lost pensions, you’ll need your previous addresses and name (if there’s been any change), plus employment or provider details for any pensions you think you may have.

To check pensions you know about, the pension provider name, policy number and any name and address you may have given to the pension provider.

Yes. We’ll need your National Insurance (NI) number to trace your lost pensions. If you can’t remember yours, you can look it up here. 

Our online form only takes around 20 minutes to complete. 

Not all providers are quick to respond to a request for information about pensions. It may take from four to twelve weeks from you applying until we can give you information on your pensions.

When we contact your pension providers, we’ll check for all safeguarded and certain valuable benefits you may lose by consolidating your pensions, or any charges for transferring. You can see which ones we check for here. 

Sometimes we can't find pensions. This could be for a variety of reasons such as if we can’t find the pension provider.

At Aviva, we’ll always keep you up to date and if we don’t find a pension we’ll let you know.

No. We can trace defined benefit pensions but we can’t check all the details for them. 

If we find your pension is a defined benefit pension, we'll let you know who the provider is with an email.