You may find you have multiple pension schemes with different providers, especially if you've moved jobs. You can keep them separate, but you also have the option to combine them. You can transfer your pension savings out of Smart Pension into a different scheme with another provider.

Before the transfer

There are a few things you may want to weigh up before making the decision to transfer your pension savings.

Your contributions

You need to opt-out or cease membership of your scheme before you can transfer your pension savings out of Smart Pension.


We won’t charge you for transferring your pension out of Smart Pension, but other providers may do. 

Schemes outside the UK

We can only transfer your pension savings to registered UK Pension plans and schemes, or to a Qualifying Registered Overseas Pension Scheme (QROPS). Make sure you understand the rules and restrictions in the country where your pension scheme is held. 

Guidance and advice

We recommend speaking to a financial adviser to make sure that transferring is the right thing for you and your unique circumstances. To find an adviser in your local area, visit or call 0800 023 6868. Some advisers may charge a fee for their services.

The Pensions Advisory Service (TPAS) is also available to help with any queries you have. You can contact them by calling 0800 011 3797 or in writing to: The Pensions Advisory Service, 11 Belgrave Road, London, SW1V 1RB.

Be aware of scammers, who sometimes target pension savings. You can find more information on staying safe on the Financial Conduct Authority and The Pensions Regulator websites.

Starting the transfer

To start transferring your pension savings out of Smart Pension, follow these steps:

  1. Download our transfer out form
  2. Complete and sign part A of the form
  3. Send both parts A and B to your proposed new provider (not us!)

What happens next

Your proposed new provider will contact us to complete the transfer. Once a transfer has been made it can’t be undone.

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