2025/26All tools updated for the current UK tax year — VAT threshold £90,000 · Personal allowance £12,570
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Pension Tracing Service UK
Lost track of an old pension? The government's free Pension Tracing Service can search over 320,000 pension schemes to find your missing pot. All services listed here are completely free.
Official Government Service — Free
0800 731 0193
Pension Tracing Service · Mon–Fri 8am–6pm · Over 320,000 schemes
Find the old employer's name, dates you worked there, NI number and any old pension paperwork.
2
Search the database
Use the free Pension Tracing Service online or by phone to find the scheme's contact details.
3
Contact the scheme
Write or call the provider with your full name, date of birth, NI number and employment dates.
4
Claim your pot
The scheme verifies your identity and confirms your entitlement. Decide to consolidate or leave invested.
Note: The Pension Tracing Service finds contact details only — not your pot value. You must contact the scheme directly to confirm your entitlement.
Pension tracing and support organisations
Government Pension Tracing Service
DWP / GOV.UK
GovernmentFree
The official free government service. Search a database of over 320,000 workplace and personal pension schemes to find contact details for your old pension provider.
Best for: All lost workplace and personal pensions
0800 731 0193
Mon–Fri 8am–6pm
Pension Tracing Service, The Pension Service 9, Mail Handling Site A, Wolverhampton WV98 1LU
Free pension tracing guidance and tools from the government-backed Money and Pensions Service. Also offers free Pension Wise guidance appointments for over-50s.
If your employer became insolvent and the defined benefit pension scheme cannot pay, the PPF may protect your entitlement. Check if your scheme is in assessment.
The UK workplace pension regulator. Contact if you believe your employer has failed to enrol you in a pension or has not been paying your contributions correctly.
Investigates and resolves pension complaints — maladministration, disputes over benefits, transfers and other pension problems. Completely free to use.
There are an estimated £26 billion of unclaimed pension savings in the UK. People lose track of pensions when they change jobs, move house or simply forget about old workplace schemes.
How many lost pensions could you have?
The average UK worker changes job 11 times in their career. Since auto-enrolment began in 2012, every qualifying job creates a new pension pot. If you have worked for several employers since then, you likely have multiple pots — some forgotten.
What if the company no longer exists?
If your old employer has closed, the pension scheme may still exist independently. If the employer went insolvent and could not pay a defined benefit pension, the Pension Protection Fund (PPF) may cover your entitlement.
Should you consolidate your pensions?
Consolidating small pots can simplify management and reduce charges — but always check for valuable guarantees like guaranteed annuity rates before transferring. Speak to a regulated financial adviser first.
Pension scams warning
Be very cautious about unsolicited contact from companies offering to trace or transfer your pension. Always check a firm is FCA authorised at register.fca.org.uk before engaging.