Find lost pensions
Lost track of an old workplace pension? See the two ways to have it found, and what each costs.
Pension help for UK residents
Find a lost pension, or speak to a pension adviser.
Pensions Advice UK is an introducer based in Stoke-on-Trent. Tell us what you need and we’ll put you in touch with an FCA-authorised adviser or a pension tracing service. It’s free to enquire.
- FCA-authorised advisers
- Free to enquire
- We call back within the hour, 9am to 5pm on weekdays
- Introductions to FCA-authorised advisers
- Free to enquire
- We call back within the hour, 9am to 5pm weekdays
- Details passed on only with your consent
How we can help
Lost a pension, retiring soon, or want advice?
Start with whichever is closest to your situation.
Retirement options
Approaching retirement? Compare annuities, drawdown and lump sums.
Advice
Regulated advice on consolidation, final salary schemes, wealth and inheritance tax.
Help
Straight answers to the things people ask us most.
Lost pensions
Two ways to find a lost pension
What it costs depends on which you choose.
£31.1 billionThe estimated value of lost pension pots in the UK.Source: Pensions Policy Institute, 2024.
Route 1
Through an FCA-authorised adviser
- Who it suits: people who want advice on what to do with their pensions once they are found.
- Cost: free to enquire. The adviser firm explains any fees before you proceed.
- Tracing: the firm may trace your pensions as part of its advice service, typically where they total £75,000 or more.
Route 2
Tracing only, with Pension Pie
- Who it suits: people who simply want their old pensions found, whatever their size.
- Cost: a paid service. Pension Pie currently charges £225 to trace up to five pensions.
- Advice: none. Pension Pie tells you what you have and where it is held.
You can also trace pensions yourself, for free
The government’s Pension Tracing Service gives you the contact details for a workplace or personal pension scheme. You then contact each scheme yourself. Find it at gov.uk/find-pension-contact-details.
How it works
What happens after you enquire
Nothing is passed on without your permission.
Tell us what you need
Answer a few short questions online, or call us. It takes about two minutes.
YouWe check the details
A member of our UK team calls to confirm what you’re looking for.
Pensions Advice UKWe make the introduction
With your permission, we pass your details to an FCA-authorised adviser who specialises in your situation.
Pensions Advice UKThe adviser gets in touch
They discuss your circumstances, explain their charges up front and give regulated advice.
Your adviser
Who we are
We introduce you. We don’t advise.
Pensions are too important for a sales pitch. Our job is to understand what you need, then put you in touch with a regulated adviser who can give you proper advice.
- We dolisten to what you need and check your details with you.
- We dointroduce you to an FCA-authorised firm that specialises in it.
- We don’tgive financial or tax advice, or tell you what to do with your pension.
- We don’tmanage money or hold your pension.
Do you need advice?
Questions people ask us
If any of these sound familiar, an FCA-authorised adviser can help you answer them.
Tick any that sound like you.
Ask a qualified adviserReviews
What customers have said
“I was at a loss trying to find a pension I had paid into over 20 years ago. They found my pension within a couple of weeks.”
“I have saved all my working life for my retirement. Pensions Advice UK helped me to find the best options for me.”
“I was not sure about moving my pension over, but it’s the best move I have ever done. I’m glad I got professional advice.”
Feedback published on pensionsadviceuk.com.
Do you give pension advice?
No. Pensions Advice UK is a trading name of GAP-GNX Ltd. We are not FCA-authorised and we don’t give financial or tax advice. We act solely as an introducer: we pass your details, with your permission, to an FCA-authorised firm that does.
Does it cost anything to enquire?
There’s no charge for making an enquiry with us. Regulated advice does have a cost, and the adviser must explain their charges clearly before you agree to anything.
How do I know the adviser is properly authorised?
Every firm we introduce you to is authorised by the Financial Conduct Authority. You can check any firm yourself on the FCA Register at register.fca.org.uk.
Can you find a pension I’ve lost?
An adviser can help trace old pensions and look at them alongside the rest. You can also use the government’s free Pension Tracing Service to find a scheme’s contact details yourself.
What will I need to have ready?
Anything you have helps: old statements, the names of past employers and roughly when you worked there. Don’t worry if you have very little. That’s common.
Want to talk it through?
Start online, or call us. We call back within the hour between 9am and 5pm on weekdays, or the next working day.