Most people don't search for "find my pensions" in the abstract — they search for the specific provider they think their old pension is with. Find my Aviva pension. Find my Nest pension. Find my NHS pension.
This guide is the directory. It covers every major UK pension provider, public sector scheme and big-employer scheme — what they do, who they're typically for, and where to start if you think you have an old pot with them.
If you don't know which provider you had a pension with, start with our main guide on how to find my pensions. If you remember the employer but not the scheme, see How to find pensions from years ago. If you'd rather just hand the whole search over, we'll do it for you.
These are the providers most likely to hold your pensions if you've worked anywhere in the UK since 2012, when auto-enrolment was introduced.
The National Employment Savings Trust (Nest) was set up by the Government to make sure every UK employer had access to a workplace pension when auto-enrolment began. It's now the largest workplace pension scheme in the UK by membership — over 13 million members. If you've worked in the UK at any point since 2012, especially for a smaller employer, there's a real chance you have a Nest pot.
Where to start: Log in at nestpensions.org.uk with your Nest ID. If you've lost your ID, use the "find my account" recovery flow with your name, date of birth and NI number.
Useful for: Almost everyone. Nest's reach is enormous.
Run by B&CE, The People's Pension is the second-biggest auto-enrolment provider. Common across construction, retail and many large employers.
Where to start: Log in at thepeoplespension.co.uk or call their helpline. You'll need your member number, NI number and date of birth.
Originally set up to serve specific industries (especially temporary staff in retail and hospitality), Now Pensions has grown into one of the major UK auto-enrolment providers.
Where to start: Log in at nowpensions.com. Customer services can recover account details with your NI number and date of birth.
A more recent entrant, popular with tech-first SMEs and platform employers.
Where to start: smart.co, online portal. Account recovery uses your email address and NI number.
Newer pension providers built around app-based, consolidated experiences. PensionBee in particular markets itself as a destination for pensions you've already traced — it doesn't run trace services itself.
Where to start: Whichever app or site you originally signed up with.
These providers historically dominated UK personal and workplace pensions before auto-enrolment, and many still do. They've also absorbed the pension books of dozens of smaller insurers over the years, so a pension you set up with a now-defunct provider may well be administered by one of these today.
One of the UK's biggest pension providers — both workplace schemes and personal pensions / SIPPs. Aviva also absorbed the pension books of Friends Provident, Friends Life, and parts of others.
Where to start: aviva.co.uk, MyAviva login. Use the "Find my account" flow if you can't log in.
If you can't find your policy number: Call Aviva customer services with your full name, date of birth, NI number, and dates you held the pension.
Now part of Phoenix Group, Standard Life is one of the most common pension providers in the UK, particularly for personal pensions and SIPPs. It also took over many older schemes through acquisitions.
Where to start: standardlife.co.uk or call Phoenix's customer services. You'll need your policy number or NI number plus personal details.
Owned by Lloyds Banking Group, Scottish Widows runs personal and workplace pensions, with strong representation in the bank-distributed market.
Where to start: scottishwidows.co.uk, online account. If you've lost your details, customer services can verify identity by post.
The largest mutual pension and life insurer in the UK. Acquired Scottish Life and Phoenix's annuity book over the years. Strong in personal pensions and IFA-distributed workplace schemes.
Where to start: royallondon.com, online account. Customer services use your policy number or, failing that, NI number plus personal details.
Aegon UK runs both workplace and personal pensions, and acquired Scottish Equitable years ago — so a Scottish Equitable pension is now an Aegon pension.
Where to start: aegon.co.uk or the Aegon Retiready app, depending on which product you held.
Phoenix is the UK's largest "closed-book" insurer — it specialises in acquiring old life insurance and pension books from other providers. If you have a pension with Sun Life of Canada, Eagle Star, AMP, NPI, London Life, Pearl, HBOS Life, Equity & Law or many others, it's almost certainly administered by Phoenix today.
Where to start: thephoenixgroup.com. Phoenix has a single customer-services hub that can identify which of its acquired books your old policy lives in.
Part of Phoenix Group, ReAssure also acquired several legacy pension books, including from L&G's mature savings business.
Where to start: reassure.co.uk.
Long-established UK pension provider — workplace and personal pensions, with a particular history in with-profits annuities.
Where to start: pru.co.uk or call Prudential customer services with policy number or personal details.
Workplace and personal pensions, plus a large annuity book. L&G is also a common workplace pension provider for medium-to-large UK employers.
Where to start: landg.com, customer login. Recovery uses email plus personal details.
Now part of Lloyds Banking Group / Scottish Widows — older Clerical Medical pension policies are administered today by Scottish Widows.
Where to start: Contact Scottish Widows for any Clerical Medical pension.
Acquired by Aegon — old Scottish Equitable pensions are administered today by Aegon UK.
Where to start: Contact Aegon, referencing the original Scottish Equitable policy number if you have it.
Acquired by Aviva — old Friends Life or Friends Provident policies are now administered by Aviva.
Where to start: Contact Aviva customer services and reference the original Friends policy.
AXA's UK life and pensions business was sold to Resolution / Friends Life, which was then acquired by Aviva. So old AXA Life pensions are now Aviva.
Where to start: Contact Aviva and reference the original AXA policy.
Workplace pensions and personal SIPPs, particularly common for tech and finance sector employers.
Where to start: fidelity.co.uk, customer login.
A modern SIPP and investment platform — common for self-directed personal pensions.
Where to start: ajbell.co.uk, customer login.
The UK's biggest investment platform — also runs SIPPs widely used as personal pensions.
Where to start: hl.co.uk, customer login.
If you held a pension through your bank in the 1990s or 2000s, the underlying provider was often a separate insurer. Today's administrator depends on what's happened since.
Now part of Lloyds Banking Group. Older Halifax pension products are typically administered by Scottish Widows today.
Workplace pensions for Lloyds employees and bank-distributed pension products are administered by Scottish Widows.
Barclays' employee pension scheme has historically been one of the largest UK workplace schemes. The current administrator is reachable via mybarclayspension.com for Barclays employees.
The Royal Bank of Scotland Group Pension Fund covers NatWest and RBS staff. For ex-employees, contact details are available through the RBS pension scheme website (look for "RBSelect" or "RBS Group Pension Fund").
The HSBC Bank Pension Scheme is one of the UK's largest occupational schemes. Contact through HSBC's pensions team — old member records are kept by Equiniti or Mercer depending on the era.
TSB pensions are largely administered through Lloyds Banking Group / Scottish Widows for older schemes, with newer ones managed separately since TSB's split from Lloyds in 2013.
The Tesco PLC Pension Scheme is the UK's largest private-sector defined-benefit scheme by membership. For ex-employees, contact via mytescopension.co.uk or the scheme administrator (currently Mercer).
The Royal Mail Pension Plan (closed to new members since 2008, with the Collective Defined Contribution (CDC) scheme launched recently). For ex-Royal Mail staff, contact royalmailpensionplan.co.uk.
The BT Pension Scheme is one of the largest UK private-sector schemes. Contact btps.co.uk or call the scheme administrator.
Vodafone's UK pension is administered through Mercer. Contact through the Vodafone pension portal (current employees) or via the administrator.
Each runs its own workplace scheme — contact via the respective HR pension portal. Older Asda pensions may be administered by Aviva or Mercer depending on era.
The Boots Pension Scheme is administered by WTW (Willis Towers Watson) — contact details are available via the Boots pension website.
Debenhams' pension scheme entered the Pension Protection Fund (PPF) following the company's collapse. Members should contact the PPF directly to confirm benefits.
The Kingfisher Pension Scheme covers B&Q, Screwfix and group employees. Administered through Mercer.
EE pensions are typically held within the broader BT Pension Scheme following BT's acquisition of EE.
The BBC Pension Scheme is one of the largest UK media-sector schemes. Ex-employees can contact via bbc.co.uk/mypension or the scheme administrator.
These are typically scheme administrators rather than employers — they administer pensions on behalf of many UK companies. If your pension is "with Mercer" or "with Capita", it actually means Mercer or Capita is the administrator and the scheme itself is in your former employer's name.
App-based, consolidator-style pensions — for personal pensions you've actively set up, log in via the original app or website.
Bupa's pension is for Bupa employees specifically; contact through Bupa HR or the named scheme administrator.
These are generally easier to trace because they're large, centralised and have dedicated member portals.
England and Wales: contact the NHS Business Services Authority (NHSBSA) — nhsbsa.nhs.uk/nhs-pensions. They run the entire NHS Pension Scheme for England and Wales.
Scotland: contact the Scottish Public Pensions Agency (SPPA) — pensions.gov.scot.
For all NHS pensions you'll need your NHS Pension membership number (or your NI number plus personal details if you've lost it). Login is via the NHS Pensions Member Self-Service portal.
Run by Teachers' Pensions — teacherspensions.co.uk. Login is via the My Pension Online (MPO) portal. You'll need your Teachers' Pension reference number, recoverable with your NI number.
For Scotland, Northern Ireland and overseas teachers, separate schemes apply (SPPA, NIPSA, etc.).
Each local council runs its own LGPS fund — there are over 80 LGPS funds across England and Wales. To trace an LGPS pension:
Identify the county or unitary authority you worked for
Search for the matching LGPS fund (e.g. "Kent County Council Pension Fund" / KCC, "Greater Manchester Pension Fund", "West Yorkshire Pension Fund")
Contact that fund's administrator
The national LGPS website at lgpsmember.org has a fund finder.
Administered by MyCSP — civilservicepensionscheme.org.uk or mycsp.co.uk.
The Armed Forces Pension Scheme covers Army, Navy and RAF service. For tracing an old service pension:
Contact Veterans UK — gov.uk/government/organisations/veterans-uk
Phone: 0808 1914 218
They handle pension queries for all armed forces, including those who left service decades ago
The same applies whether you're searching for an Army, Navy or RAF pension — Veterans UK is the central contact point.
Administered by individual police forces — contact the HR / pensions team at the force you served with. Many older Police pensions are administered by XPS Pensions or Equiniti on behalf of individual forces.
Similar structure to police — administered by individual fire and rescue authorities. Contact the relevant authority's pensions team.
Run by the Railways Pension Scheme — railwayspensions.co.uk. Covers many rail industry employees past and present.
This guide covers the largest providers and most common employer schemes, but the UK has thousands of pension schemes and we can't list them all. If yours isn't here:
Look at any old paperwork or emails — annual statements, joiner packs, P45s. Even one document with the provider name is enough.
Use the Government's free Find Pension Contact Details tool at gov.uk/find-pension-contact-details — it covers over 200,000 schemes by employer or scheme name.
Ask your previous employer's HR team — they have records of which scheme they enrolled you into.
Or sign up for a trace — we'll cross-reference HMRC, the DWP, providers, trustees and former employers on your behalf.
When you've worked at five or six employers across your career, you often end up with five or six different providers — some you remember, some you don't, and some that have been acquired or rebranded since. Tracking each one down individually is a series of phone calls, ID verifications, and waiting on hold.
We do all of that for you in parallel. Once you sign up:
We contact HMRC for any contracted-out SERPS records
We contact the DWP for your State Pension record
We contact every provider, trustee and previous employer in your work history
We trace through acquisitions and mergers to find the current administrator of older schemes
Our regulated advisers value every pot we find and tell you whether to leave, transfer or consolidate
You get one document back with every pension in your name — provider, value, charges, and a clear recommendation. Tracing is free; a one-off 1% fee only applies if you decide to consolidate them into a new plan.
Three options: (1) check old paperwork or emails for any pension correspondence; (2) ask the HR or payroll team at the relevant employer; (3) use the Government's free Find Pension Contact Details tool at gov.uk/find-pension-contact-details.
Contact the acquiring company — they'll have absorbed the pension administration. Phoenix Group, Aviva, Aegon and Royal London have collectively acquired the pension books of dozens of older insurers. Customer services at the acquirer will identify your policy from the original provider name and policy number.
Yes. Use the "Find my account" recovery flow at nestpensions.org.uk with your name, date of birth and NI number. Nest's customer services can also verify your identity by post if needed.
Contact the NHS Business Services Authority (England and Wales) or SPPA (Scotland) and provide your full name, date of birth and NI number. They can look up your membership and reissue your NHS Pension membership number.
The Teachers' Pensions scheme at teacherspensions.co.uk. Use the "Forgotten reference" recovery flow with your NI number and personal details.
Mercer, Capita, XPS and similar firms are administrators, not pension providers — they run schemes on behalf of employers. Contact the named administrator directly with your former employer's name; they'll identify the scheme and your member record.
Your money is protected. UK pensions are covered by either the Financial Services Compensation Scheme (FSCS) for personal pensions and SIPPs, or the Pension Protection Fund (PPF) for occupational defined-benefit schemes. The funds will have been transferred to a successor scheme or compensation arrangement — a trace will find where they ended up.
Yes — contact Veterans UK on 0808 1914 218 or via gov.uk. They handle all Armed Forces pension queries regardless of how long ago you served.
Most pension trails lead to one of two dozen big providers, scheme administrators or public sector schemes. Use this directory as a starting point — and if the trail goes cold (acquired providers, wound-up schemes, multiple jobs across decades), hand it over to us and we'll join the dots.
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, 9:30 am to 5:00 pm
Address
The Pension Tracing Service
The Lantern
High Street
Ilfracombe
EX34 9QB
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