Pension Bible is an editorial publication, not a financial adviser. The information on this site 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, consider exit fees, guaranteed annuity rates, employer contributions, and the tax-free cash you might lose. If you are unsure, speak to an FCA-regulated financial adviser. You can find one at Unbiased or VouchedFor.
Pension Bible is a volunteer project, built to give UK pension savers free, plain-English information. We are not part of any affiliate scheme and earn nothing from any link on this site. We make best efforts to keep the data current, but tax rules and provider fees change — please verify any figure against the original source before acting on it.