Over longer periods of time (five years or more), investments such as stocks, shares and funds have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. Eligibility criteria, fees and charges apply.
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Investment guide
How to find old pensions
What are the benefits of finding lost pensions?
Finding your pensions can make a big difference. Here’s why:
Boost your retirement savings
Small amounts from old pensions can add up to a significant sum over time.
Get a clearer picture of your future income
Knowing what you have makes planning for retirement easier.
Simplify your finances
Fewer accounts mean less paperwork and easier management later in life.
Combine your pensions with Royal Bank of Scotland
Just 27% of UK retirement plan members feel confident about retiring at their desired age (Source: Pensions Age, 2025). Bringing your pensions together with us could help simplify your savings — and it can be done in three steps. Here's how it works:
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1. Get your pension details
Have to hand the name of your pension providers, policy numbers and the values of each of your pensions. This information can be found in your annual statements or on an online portal.
If you can’t find this information, you can use the Pension Tracing Service or simply reach out to your previous employers.
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2. Apply online
Once you’ve made your decision to transfer, either log in or open our app and go to the investments hub. Once there, under our pension section, choose “Transfer a pension” and follow the steps.
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3. We’ll take care of the rest
We’ll begin combining your pensions in one place and will let you know once the transfer is completed.
You’ll need to be a Royal Bank of Scotland customer with Digital Banking, aged 18 – 75 and be a UK resident for tax purposes. You cannot make contributions if you are a US citizen or US Green Card holder. You cannot access your pension benefits before the age of 55. When transferring any existing pensions, exit fees may apply.
How to transfer your pension to Royal Bank Invest
Learn how to transfer a pension to Royal Bank Invest. The page looks to set out the steps a customer could take and what to consider before they transfer a pension to us or someone else.
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Avoiding pension scams
A quick guide to spotting pension scams - learn how to stay calm, avoid pressure, trust your instincts and check if an offer or caller is genuine before making any decisions.
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Should you combine your pensions?
You could bring your pensions together pretty easily, making them more straightforward to manage while potentially saving you money.
Exit fees may apply.
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Five ways to get retirement ready
Whether retirement seems a long way off or just around the corner, it makes sense to spend some time thinking about what kind of future you want.
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