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 cease membership of the 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. 

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 Money and Pensions Service is also available to help with any queries you have. You can contact them by calling 0800 011 3797 or in writing to: The Money and Pensions Service, 120 Holborn, London EC1N 2TD.

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.

How to transfer your pension out of Smart

There are two ways to transfer your pension savings out of Smart. Which one you should use will depend on whether or not your new scheme uses an online transfer system called Origo Options. Your new provider will be able to tell you if they use Origo or not.

If your new scheme does use Origo, the best way to start the process is simply to ask them (your new provider) to begin the transfer process on your behalf. If you’re transferring through Origo, Smart does not need you to sign any documents. However, your new scheme will probably ask you to complete a letter of authority, which they will provide. Once we have received a transfer request from your new provider and your account is ready, we will begin the process of transferring your pension savings.

What to do if your new provider does not use Origo

If your new scheme does not use Origo, then we will need both you and your new provider to complete our ‘transfer out’ form.

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

  1. download the transfer out form

  2. complete and sign parts A, B and C of the form

  3. send the full form to your proposed new provider (not Smart) and they will complete parts D and E

What happens next

Your proposed new provider will contact us to complete the transfer. Please note that either Smart or your new pension provider may ask you to complete a further form. Once our team has received all the necessary forms and a payment request, and your account is ready, we will make the transfer.

Once a transfer has been made it can’t be undone.

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