Combine your pensions

Bring them all together in one place

Transferring pensions couldn’t be easier


Make life simpler, today and when
you retire, by bringing all your pensions together in one place.

Feel in control and manage all your pensions in one place.


We won’t charge you to transfer to us.


Transfer pensions of any size.


Clear charging structure - a maximum Platform Service Fee of 0.35% per year


Fund choices from Santander and across the market. Or if you’re not sure what to invest in, you can choose our Core Investment Option.


Start adding into your pension with as little as £20 per month or you can add lump sums from a £100. Or you can do both.


Simple steps to bring all your pensions together


How to transfer

You’ll first need to sign up or log on to the Investment Hub.

Step 1
Let us know about all the companies you have a pension with that you want to transfer.

Step 2
Our teams will then manage the next steps and keep you up-to-date while managing the transfers for you.

Step 3
Once that’s all done, you’ll be able to see all your existing pensions and how much money you have in the Investment Hub.


Start my transfer

A few things to consider

Some pensions come with valuable benefits or guarantees which you'll lose if you transfer. You should always check before transferring.

We won’t charge you to transfer your pension to us. However, your existing pension provider might have an exit charge. Be sure to check with them first.

Before transferring your pension, compare your current fees and charges with our pension costs, to make sure you’re financially better off.

You should always check your pensions details before transferring

As with all investments, your capital is at risk, and you may get back less than you invest. Investments should be held for the medium to long term (5+ years). 

You normally can't take your pension savings until the minimum pension age has been reached. You are free to transfer to another provider at any time.

The tax treatment of your investment depends on your individual circumstances and may be subject to change in the future.

Useful information

There’s no fixed amount of time we give to complete pension transfers. 

However, if you’re transferring cash, it usually takes around 3 to 6 weeks from applying to it being in your Santander Personal Pension. 

If you’re transferring investments without selling them, it usually takes a little longer. 

We’ll always keep you updated so you know where we are with transferring your pensions.

All pensions must come from a UK registered pension scheme.

We can’t transfer any pensions that include the below. 

  • Safeguarded benefits, including final salary (known as defined benefits). 
  • Guaranteed Minimum Pension (GMP). 
  • Guaranteed annuity rates. 
  • Drawdown pensions arrangement 

And if you're a member of your employer pension scheme, any employer payments paid for you will stop if you transfer it.

You should check with each of your existing providers before you start a transfer to see if any of these apply to you. 

Sorry, we’re not able to accept pensions where benefits have already been paid from your existing pension scheme.  

Why invest with Santander?


people choose to invest with us

£6.4 billion

invested using the Investment Hub

Around 850

funds available on the Investment Hub

25+ years

experience providing investments

Source: Santander UK plc as at July 2022