Find and transfer your old pensions
A single pension pot is easier to manage
You could have savings you didn't know existed
Thousands of pounds can be left sitting in pension pots. Latest figures [¹] show there are 3.3 million lost or unclaimed pension pots in the UK, worth around £26.6bn.
Combine your pensions with NatWest Cushon to manage them simply and stress free.
Why you should combine your pensions into one pot
Stop over paying on fees
Make them easier to manage
Reduce your paperwork
Why and how to transfer your old pension pots
Meet Iris, your personal pension buddy
Your clever digital assistant will guide you through a few easy questions on your employment history. Then, one of our friendly advisers will take over.
You won't pay a penny![²]. It’s quick to start, easy to understand, and could improve your future, especially if you choose to transfer with us.
Transferring your pensions into one plan may not be right for you. You can get more information from MoneyHelper and if you're unsure you should speak to a financial adviser.
How it works
- Sign in to your NatWest Cushon account.
- Meet your personal pension buddy, Iris, and answer a few questions. It's a short, easy-to-use digital chat. No account details needed.
- Provide your digital signature. This will allow our team to speak to your old providers and transfer your pensions.
- We'll keep you updated with progress throughout. And if we discover any fees or complications, you'll be the first to know.
- Enjoy a simpler, greener pension. Manage all your pension savings easily in one climate-focused pension pot.
Still have questions? We're here to help
Because you can’t plan ahead if you don’t know what you have. And if you’ve got multiple pension pots – each with different fee structures, growth rates and projections – it's that much harder to build a clear picture of the future.
Kept together in a single pot, you can clearly see how much you have now, what that could amount to later, and whether you need to start saving more to meet your goals. It’s a lot less paperwork too!
But is it really a problem to have too many pensions? Surely it can’t be that bad...
As a NatWest Cushon pension-holder, you won't pay a penny for Iris's help. If Iris discovers an exit fee or complication connected to any of your pensions, you can decide whether to move your money.
In most cases, no! But if we find any complications or fees connected to moving your pensions, we'll always let you know so that you can decide whether you want to go ahead. These could include:
• Exit fees attached to older pensions – it's good to make sure these are less than any savings you'll get from moving to NatWest Cushon
• Benefits attached to older pensions – if you have pensions with things like guaranteed annuity rates or early access fees you might lose these by moving your pension
Every pension has its own rules and structure, which is why we check things carefully before moving any of your money.
You can usually transfer:
Old workplace pensions (from previous jobs)
Personal pensions (ones you set up yourself, such as SIPPs)
Stakeholder pensions
You can’t transfer the following pensions:
Your State Pension
Most final salary or defined benefit pensions (these pay a set amount when you retire)
Pensions you’ve already started taking money from (unless you check with us first)
If your old pension is a defined benefit pension worth over £30,000, you’ll need to get advice from a regulated financial adviser before you can transfer.
Don’t worry – we’ll let you know if you accidentally try to transfer a pension that you can’t move to us.
This usually takes around 2 weeks. But it can take a few months, depending on how quickly the other companies respond. Iris will keep you updated as she goes.
All Iris needs from you is:
The names of your old workplaces and periods you worked there
OR
the name of your previous pension company
...and you’re done!
Support real climate action
We invest your savings in social and climate-focused solutions such as:
- Wind farms
- Low carbon energy
- Reforestation and habitat restoration
- Essential services for social inclusion
Stay in control with the NatWest Cushon app
Use the Cushon app to keep your pension close at hand and make it easier to plan the future you’re hoping for.
- Access your pension options.
- Set a target age for accessing your pension.
- Choose beneficiaries to leave your pension to.
- Manage your regular contributions or withdrawals.
- Find and combine[³] old pensions.
- Choose your own investments if you'd like.
Trusted by over 600,000 members across more than 23,000 organisations
Zoltan Szekely, 13/03/2026
This is where I experienced the biggest growth. Easy app management. Perfect for me.
Nick Dorgan, 13/03/2026
Great service
Indu Rajiv, 13/03/2026
Thanks for your support
The value of investments can fall as well as rise, and you may get back less than the full amount you invest.
The information on this page is not personal advice.
Transferring your pensions into one plan may not be right for you. You can get more information from MoneyHelper and if you're unsure you should speak to a financial adviser.
1. 2024–2025 research from the Pensions Policy Institute (PPI)
2. As a NatWest Cushon pension-holder, you won't pay a penny for Iris's help. If she discovers an exit fee or complication connected to any of your pensions, you can decide whether to move your money.
3. You should understand the features and charges of other pensions first and seek professional financial advice if you are not sure. Check with your product provider before transferring as there may be a penalty for leaving their scheme.