What you’ll need to find your pensions

Before we start searching for your pensions, you’ll need to set up your Ready-made pension account.

To open a Ready-made pension, you'll need to be 18 or over and a UK resident. It'll take around 10 minutes to set up your new account.

We’ll need a few details to get you set up, please make sure you have the following to hand:

Your National Insurance number – you'll find this on your National Insurance card, a benefit letter, payslip or P60.

Your mobile phone – so we can send you a code to help keep your account secure.

To search for lost pensions, it's worth remembering:

  • We’ll need to know where and when you have previously been employed, or your previous pension provider
  • Public sector pensions (for example an NHS pension) and jobs you left before 1990 or held for less than three months cannot be searched, as well as pensions associated with your current employer
  • We’ll let you know if you need to take any action before continuing with your transfer of pensions that have guarantees or protections in place.
  • The Ready-made pension is designed to help you grow your retirement savings by combining and investing them in one place. So if you’re planning on accessing your pension soon, it may not be right for you.

Once you’ve provided your previous employer or pension details, we’ll start searching and let you know what we find. Any transferred pensions are automatically invested into your chosen AJ Bell fund, so sit back and let us do the rest.

Take a look at the full account details to make sure it’s right for your with our Ready-made pension key features. And if you’re looking for more specifics, here you can find our terms and conditions, key features which includes details on the associated risks, and charges and rates.

We’ll use your data in line with our privacy policy. This explains what data we collect, how we use, share, and store it – including the potential impacts of third parties using your data.

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