Pension transfer

Bringing Pensions Together

Combining pensions can have both pros and cons and it's important to make the best decision for you. To help you, we've highlighted some things to think about below.

Things to think about before combining pensions

  • Exit costs and investment fees
    We won't charge you to transfer your pension to us but it's wise to check if your existing pension provider charges an exit fee. Before you transfer, check how much your pension provider charges on your old pensions and compare that with our charges so you're aware of any difference.
  • Pension benefits and guarantees
    Check your pensions for valuable benefits like a guaranteed annuity rate or the ability to take more then 25% as a tax-free lump sum, as you could lose these by transferring. Other benefits to look out for are loyalty bonuses, life insurance, waiver of premium, early access to your savings and enhanced death benefits, as these can also be impacted if you decide to transfer. There are some pensions that cannot be transferred using our online application which we have detailed below in our FAQ's.
  • You're not guaranteed to be better off
    Although bringing all your pensions together can have many benefits, there's no guarantee that you'll be better off in retirement. If you decide to cancel your transfer, your current provider may not accept your funds and benefits back.
  • Employer contributions
    If your employer pays into one of the pensions you're are considering transferring to us, you'll need to talk to them before transferring, as a transfer may mean they stop paying into your pension.

If you’re unsure about transferring pensions, please speak to your financial adviser.  If you don’t have one, you can find an up-to-date list of regulated advisers at MoneyHelper. Some pensions require you to obtain financial advice before you can transfer, for which the adviser will charge a fee. They'll discuss this with you before any obligations are made.

Remember that the value of your pension can fall as well as rise and you may get back less than the amount that's been paid in. 

Ready to transfer

If you already have the details for the pensions you want to transfer into your Aviva workplace pension, you can log in and start your application straight away. Capital at risk.

Log in to start your transfer

Find and Combine

Need help finding your old or lost pensions or need more information about ones you already know about?

Take control of your pensions. Our free service can hunt them down, check for certain benefits and fees, and even bring them together. Capital at risk.

See our Find and Combine service "See our Find and Combine service "

Pension transfer FAQs

What's the cost of transferring my pension?

What happens to investments during the transfer process?

How long does it take to transfer a pension?

Are there any pensions that can't be moved using the online transfer journey?

My pension is invested in a with-profits fund. How might this affect the transfer value of my pension?

MoneyHelper

If you want more help thinking about pensions and retirement, a good place to begin is MoneyHelper, the government-backed free guidance service. The MoneyHelper service won’t tell you what you should do, but they’ll provide you with information to help you understand your options.

For more advice, you should speak to your financial adviser. Bear in mind they may charge a fee for this advice, but it will be personalised to your individual needs. If you don’t have an adviser, you can find an up-to-date list of regulated advisers at MoneyHelper.

MoneyHelper logo

Log in or register to manage your existing Aviva workplace pension

Log into MyAviva

If your pension scheme number begins with "TK" or "SP"
  • Check your pension value and transaction history
  • See your pension documents
  • Change your details
  • Switch funds and see their performance
  • Make a single payment into your pension
  • Manage your beneficiaries

Log into MyAviva

Register for MyAviva

Log into MyWorkplace

If you have a Workplace pension with an account number starting with "GS", or a membership number starting with "F".

  • Check your pension value and transaction history
  • See your pension documents
  • Change your details
  • Switch funds and see their performance

Log into MyWorkplace

Register for MyWorkplace

You may need your policy number if you haven't accessed your account online before.

Phone us

If your employer is still making pension contributions into this pension

0800 145 5744

Monday to Friday: 8:00am - 6:00pm

Saturday and Sunday: Closed

If your employer no longer makes pension contributions into this Aviva pension

0800 158 3142

Monday to Friday: 8:00am - 6:00pm

Saturday and Sunday: Closed

Put more pieces of the pension puzzle together

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Six simple tricks to help you boost your pension

Giving your pension savings a little push can make a big difference. Capital at risk.

MyAviva and MyWorkplace are owned and operated by Aviva Insurance Limited.

Aviva Pension Trustees UK Limited. Registered in England No. 2407799. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 465132.

Aviva Life & Pensions UK Limited. Registered in England No. 3253947. Aviva, Wellington Row, York, YO90 1WR. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 185896. Member of the Association of British Insurers.

Aviva Investment Solutions UK Limited Registered in England No. 6389025. Aviva, Wellington Row, York, YO90 1WR. Authorised and regulated by the Financial Conduct Authority. Firm Reference Number 515334.