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Identifying your
pension pots

Illustration of woman potting a plant

It’s easy to lose track of your workplace pension pots as you change jobs during your career. Make sure your money isn’t adding to the £19 billion held in lost pots.

Four reasons to track down

your pension pots


You wouldn’t forget about money in a bank account, so why forget about money in your pension pot? It might even have grown to be worth more than you thought.


Once you know your total savings you’ll be in a better position to work out how much money you’re likely to have when you retire.


It often makes sense to combine some or all your pots to save on fees or to make managing your money simpler, especially as you get closer to your retirement age or when you start accessing your pots. However, please consider getting financial advice before transferring any pension.


Tracking down your pots sooner rather than later means you’ll have one less thing to worry about on your retirement to-do list.

How do I find my pension pots?

  1. Talk to your previous pension providers, if you know who they are. MoneyHelper has a useful pension-tracing letter template to help you do this.
  2. If you’re trying to find a workplace pension, then speak to your former employer. MoneyHelper has another template to help you.
  3. If you don’t have the details for a past pension provider or employer, The Pension Tracing Service should be able to help. This free service searches a database of more than 200,000 workplace and personal pensions schemes to help you find the contact details you need. Find out more about the service on the website.