Lost a pension? We’ll find it for you with Find, Check & Transfer.
With our Find, Check & Transfer service, let us do all the hard work finding and combining your lost pensions into one simple plan.
With our Find, Check & Transfer service, let us do all the hard work finding and combining your lost pensions into one simple plan.
We’ll do all the work for you – for free! We’ll look for lost pensions, check them for benefits or penalties, and then complete the transfer on your behalf.
Combine your old or lost pensions into one simple plan and get all of your retirement wealth working hard again.
Enjoy the simplicity of all your retirement wealth in one place, with the potential to perform better and grow more efficiently over time.
From digital advice to one-to-one support with a Dedicated Qualified Wealth Manager, our Wealth tiers are designed to give you the right level of guidance as your investment needs grow.
Rest assured, we’re committed to ensuring that your pension transfer experience is smooth, transparent, and meets your individual needs.
Ensure you won't lose valuable guarantees like annuity rates, guaranteed income, or death benefits. Seek financial advice if unsure.
Assess your current pension fees and check for any exit fees or transfer penalties from your existing provider.
Please note that we can’t transfer defined benefit schemes, replace your active workplace pension, or transfer pensions already paying out benefits.
Ensure you won't lose valuable guarantees like annuity rates, guaranteed income, or death benefits. Seek financial advice if unsure.
Assess your current pension fees and check for any exit fees or transfer penalties from your existing provider.
Amount to invest
£20,000.00
Investment product
Management style
Focus
Thematic investment option
Moneyfarm fees
(What you pay us)
Our management fees
0.45%
£7.50/month
Our platform fee
0.25%
£4.17/month
Instruments costs (Fund fees + Spread)
up to 0.21%
£3.50/month
Total estimated costs
up to 0.91%
£15.17/month
You won’t pay
Entry and exit fees
Withdrawal
Top-ups
Start your pension journey in 3 simple steps.
On your own or with help from one of our consultants.
Choose our Find, Check & Transfer option or let our questionnaire guide you.
We’ll manage the entire process of finding and combining your pensions into one simple plan.
Start your pension investing journey with Moneyfarm, with all your retirement wealth under one roof.
Please note that we can’t transfer defined benefit schemes, replace your active workplace pension, or transfer pensions already paying out benefits.
By making an investment, your capital is at risk. The value of your Moneyfarm investment depends on market fluctuations outside of our control and you may get back less than you invest. Past performance is no indicator of future performance. The tax treatment of a Moneyfarm Stocks and Shares ISA and a Moneyfarm Pension depends on your individual circumstances and may be subject to change in the future. You should seek financial advice if you are unsure about investing.
©2025 MFM INVESTMENT Ltd
Registered office: 90-92 Pentonville Road, London N1 9HS | Registered in England and Wales Company No. 09088155 | Telephone number: +44 (0)20 3745 6991 | VAT No. 467458154
Moneyfarm is a trading name of MFM Investment Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA Firm Reference Number: 629539)
Products
Authorised and regulated by the Financial Conduct Authority as an Investment Advisor and Investment Management Company - Authorisation no. 629539
This company meets high standards of social and environmental performance, transparency and accountability.
Moneyfarm uses an encrypted connection to protect your data.
Financial advisors are not mandatory for pension transfers. However, they can be helpful for navigating the process, giving you confidence and peace of mind. Moneyfarm’s Find, Check & Transfer service can be a good alternative, offering support throughout the process.
Not all pensions can be transferred. Certain plans, like defined benefit final salary pensions with valuable guarantees, might not be suitable for transfers. Weigh the pros and cons before making a decision. We can’t help with defined benefit plans.
Unfortunately, your National Insurance (NI) number cannot be used on its own to help find lost pensions when using government services, you would usually need to also give your old employer or pension provider. However, Moneyfarm's Find, Check & Transfer service can help you find lost pensions with only a few details, including your NI number.
Workplace pensions generally allow transfers after you leave your employer, but not while you and your employer actively pay into that plan. Check your plan documents or contact the provider for details. Moneyfarm's Find, Check & Transfer service can also help determine if your workplace pension can be transferred.
Some pensions, particularly defined benefit plans, offer guaranteed benefits you might lose upon transfer, we can’t help with these types of pensions. We can only transfer defined contribution pensions, but they could also have exit fees associated with moving your old pensions to a new plan or benefits you would lose if you transfer. Moneyfarm's Find, Check & Transfer service can help you identify benefits and penalties before transferring your pensions, giving you confidence when planning your financial future.
You can do it yourself if you know all the pension details, or you can research and track down pensions yourself, using the government's pension tracing service, then initiate the transfers directly with your providers. Alternatively, we can handle the entire process for you. Moneyfarm's Find, Check & Transfer service can help you find your old pensions, check for any penalties and benefits, and then complete the transfers.
Transferring a pension should be straightforward, but it depends on the old plan. Always check for exit fees or any benefits you may lose before you start a transfer. Moneyfarm's Find, Check & Transfer service can do all the hard work for you when transferring your pension, including checking for penalties and benefits.
Tracking down forgotten pensions can be tricky. Start by gathering old payslips or contacting previous employers for pension plan details. You can also try Moneyfarm's Find, Check & Transfer service, as we can locate lost pensions for you.
Check that you won’t lose any guarantees or safeguarded benefits if you transfer. This could include things like guaranteed annuity rates, guaranteed income or additional death benefits. Take a look at your current pension scheme to assess the fees you’re paying and whether any exit fees or penalties that your existing provider may charge should you choose to transfer. It’s also important to consider the investment options available to you. For more information on what you should know about your existing pensions before you transfer, please read our key considerations page.
Consolidating your old pensions with Moneyfarm can simplify managing your retirement savings. It could reduce fees, give more flexibility or offer wider investment choices. However, there could be valuable benefits in your old plans, so consider all factors before transferring. Moneyfarm's Find, Check & Transfer service can do these checks for you so you have peace of mind when you combine old pensions.
