Tracking down your old pension pots is like finding a needle in a haystack: you're not sure where to start and it can be seriously fiddly.

There's one magic key to locating these old pots, and that's the policy reference number. The policy reference number is a 16 digit string of letters and numbers.

Here's how to track these pots down:

  1. I don't know who my pension provider is

Try these simple steps in order to work out who your provider is:

  • Use the governments' free pension tracing service. Type in your old employer name into the search box. If no options appear, then move onto the next step. If potential providers do appear, scroll down to the next section.

  • Search 'pension' in your email inbox and trash, to see if your provider has sent you any emails about your policy. If you find a provider name, head on to the next section.

  • Call or email your old employer or manager and ask who they setup your workplace pension with. You'll only need to know the rough dates you worked there, and your national insurance. They'll be able to confirm the provider name.

2. I know my provider, but not my policy reference number

All that's left to find is the policy reference number:

  • Call your pension provider and state your name, national insurance and the employer who set this pension up for you. They'll be able to tell you your policy reference number after they've gone through a few security questions

3. I now know my provider & policy reference!

All you need to do now is request your pension transfer on your dashboard:

  • Log in to your Penfold account. Click 'Add a pension' from your dashboard and go ahead and enter in your provider name & policy reference number.

  • Once you've clicked submit, our transfer team begin the process of transferring this over with your provider. As soon as we have an update, we'll get in touch to let you know.

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