Disclaimer and regulatory notice.
Pension Bible is an editorial publication. We are not financial advisers and we are not authorised by the Financial Conduct Authority.
The information on this site — including the calculators, comparison tables, articles, and guides — is general guidance based on publicly available data. It is not a personal recommendation. We do not know your individual circumstances, and what is right for one saver may not be right for another.
Before transferring or consolidating any pension, you should carefully consider:
- Exit fees — some older pensions charge to leave, sometimes as a percentage of your pot
- Guaranteed annuity rates — some pensions come with guaranteed conversion rates that can be worth tens of thousands of pounds and are lost on transfer
- Employer contributions — leaving a workplace pension may mean you stop receiving employer top-ups
- Tax-free cash — some older policies entitle you to more than the standard 25% tax-free lump sum
- Investment options — the cheapest provider is not necessarily the best fit for your risk tolerance and goals
If you are unsure, speak to an FCA-regulated financial adviser. You can find one through Unbiased or VouchedFor. Pension Wise also offers free guidance for the over-50s — visit MoneyHelper.
Affiliate disclosure
Where Pension Bible links to a pension provider, we may receive a commission if you open an account. This does not affect our editorial coverage. Every provider in our comparison tables is shown on equal terms, ranked by published cost. We do not recommend or rank providers based on commission.
If you would prefer to visit a provider without using our affiliate link, you can always type the provider's name directly into your browser.