Understanding the Pension Tracing Process

Our pension tracing process consists of 3 simple steps. Each step is very straight forward, we do all the work and you can cancel your application at any stage of your journey.


​We will conduct an initial search to locate where your pension(s) may be, however, to confirm we need your written authorisation due to data protection laws.

To have authority to trace the pensions on behalf of yourself or a loved one, we do require a signature on our Letters of Authority.This is to show pension providers that you have permitted us to gather any pension information you may have with them.

You can get further information on what we do with the information you provide us by visiting the pages below.


​We search for pensions by contacting the pension providers who administered the pension scheme(s) of your previous employer(s). Your signed letter of authority will be sent to the provider(s)who then undertake a search on their system to locate your details.

If they are unable to locate any of your details, don't worry! We have many pension schemes that we can check for you to trace your pensions.

Sometimes we may require a little bit of additional information or proof of some details. This may include things such as up to date proof of address, evidence of name change. This will allow the providers to update their records, enabling them to find your details more quickly in the future.


We have qualified pension specialists who will assist you in the pension tracing process. Once we have gathered as much information as possible, your allocated specialist can start your pension review. We'll find out the value of your pension, how well it's performing and what you're paying in charges. Then we'll check the whole market to show what is available in the market today, the costs and how you can use your pension savings.

The Pension Tracing Service® seeks to find your missing pension and offers information on the current pensions market. If you wish, you can receive advice from an Independent Financial Adviser who is also part of the BetterRetirement Group Ltd. Better Retirement Group has been providing specialist pension and retirement advice since 1992.

Contact us

You can also request contact details from the Pension Tracing Service by phone or by post.

The Pension Tracing Service
Telephone: 0800 1223 170
From outside the UK: +44 (0) 1782 389134
Monday to Friday, 9:00 am to 5:30 pm

The Pension Tracing Service
400 Pavilion Road

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Copyright 2020 by Pension Tracing Service ® ​

The Pension Tracing Service ® is a trading style of the Better Retirement Group Ltd. We are authorised and regulated by the Financial Conduct Authority. FCA number 153420. Our registered office is 400 Pavilion Road Northampton NN4 7PA ​

This service is not affiliated with the Department of Work and Pensions or any government body. The Pension Tracing Service does not offer financial advice to our clients. However we can allocate you an Authorised and Regulated Pension Specialist.

See how we handle your data.