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Pensions are easier to control when they're all in one place

Important information - please keep in mind that the value of investments can go down as well as up, so you may get back less than you invest. Pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered.

Bring your pensions together

If you’re finding it hard to keep track of your pensions, then now could be a good time to take control and bring them together into a Fidelity Self-Invested Personal Pension (SIPP)

  • Easy to see and manage your retirement savings in one place
  • One company to deal with, saving you time and hassle
  • Low cost, so you keep more of your money

Plus flexible income options at retirement, with no set-up or withdrawal fees.

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Learn more

A Self-Invested Personal Pension (SIPP) is a flexible, tax-efficient way to save for your retirement. Learn more about the benefits of bringing your pensions together in a SIPP.

Transfer now

If you’re ready to transfer your pensions, you can transfer online, download an application form or call 0800 368 1722 to request a form by post.

Access my pension

If you’re thinking of taking tax free cash or a more regular income from your pension, find out more about the options available to you and how we can help with retirement planning.

Why a Fidelity SIPP?

  • Wide investment choice  - funds, shares, investment trusts and ETFs, giving you more ways to meet your investment goals 
  • Simple, low cost pricing - we keep costs low so you keep more of your money
  • Support with decisions - online guidance, videos, planning calculators, easy to use investment selection tools and much more 
  • Additional benefits - if you invest over £250,000 with us, including an even lower fee and your own Relationship Manager.

We’ll also cover up to £500 if your current providers charge exit fees (T&Cs apply).

Transfer now
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Award-winning

Voted Best Buy 2021 (Boring Money Awards):

  • Best Buy Pension
  • Best for Beginners Pension
  • Best for Low Cost Pension

With our flexible, award-winning SIPP you choose what to invest in and when. You’ll also benefit from regular market insights, portfolio analysis and comparison tools and plenty of online guidance to help you decide where to invest. Plus if you’re thinking of taking tax free cash or a more regular income from your pension, our team of retirement specialists can help.

Apply to transfer

Before taking the next step, please read the following important information.

The value of investments can go down as well as up, so you may not get back what you originally invest. Eligibility to invest in a SIPP or Junior SIPP and tax treatment depends on personal circumstances and all tax rules may change in the future. You cannot normally access money in a SIPP until age 55.

It’s important to understand that pension transfers are a complex area and may not be suitable for everyone. Before going ahead with a pension transfer, we strongly recommend that you undertake a full comparison of the benefits, charges and features offered. Please read our pension transfer factsheet and our exit fee terms and conditions. This information is not a personal recommendation for any particular product, service or course of action. If you are in any doubt about whether or not a pension transfer is suitable for your circumstances we strongly suggest that you seek advice from an authorised financial adviser.

Please note that if your pensions are moved to us as cash, you will be out of the market while your money is being transferred, so you could miss out on growth and income if the market rises during this time. The value of your investments may also be impacted by the volatility we’re experiencing at this time. See the steps involved in a pension cash transfer.

If you would like to keep the same investments that are in your existing pension (re-register) and they’re available on our platform, then you can do this but need to apply to transfer by post. If that specific version of the fund is not available on our platform, your current provider may be able to convert it to a version that we both support to facilitate the transfer in specie. If this is not possible, we will transfer the fund as cash, which means you'll be out of the market until you choose new ones. Our customer service team on 0800 368 1722 can provide you with more information and check if your existing investments are available on our platform. See the steps involved in a pension re-registration transfer.

Important notice: The Government is consulting on potential changes to the age when you can access your pension
The Government is proposing to increase the age you can access your pension from 55 to 57.
The proposal says that anything you‘ve saved in a pension as of 11 February 2021, you can still receive at age 55. However, if you transfer your pension elsewhere, you will have to wait until 57. Customers who will be 55 after 6th April 2028, and open a pension after the 11th February 2021, could have to wait until they are at least 57 before accessing their pension savings without incurring additional tax charges (unless they are taking their pension due to ill-health). This is still a proposal and it’s not yet certain if it will go ahead as outlined. You can read the proposal here.

Transfer my pensions

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Call us

If you’d like to discuss transferring a pension or would like us to send you an application form.

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Transfer online

To find out what you need to consider before you transfer, please read the factsheet.

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Transfer by post

Whether you already have a SIPP with Fidelity or not, download the relevant application form, fill it in and return it to the address on the form.

How long does a pension transfer take?

If you’re moving your pension to us as cash, most leading providers use an electronic system called Origo which means your pension can be transferred electronically within about 10 business days. If your provider doesn’t use Origo then your transfer will need to be processed manually and paperwork issued by post. This can take 8 to 10 weeks to complete, but does depend on the paperwork required to be sent between the two providers.

If you’re moving your pension to us and would like to keep the same investments that are in your existing pension (re-register), this can take up to 12 weeks, but can be quicker.

See the steps involved in a pension cash transfer.
See the steps involved in a pension re-registration transfer.

How to transfer your pension to Fidelity

How do I transfer my SIPP?
Can I transfer if I have taken retirement benefits from my pension?
How long does it take to transfer my pension?
Will you help pay my exit fees?
Is there a minimum transfer value?
What types of pension can I transfer?
Can I transfer a pension with guarantees to Fidelity?
What are safeguarded benefits?
What are ‘other benefits’?
What should I do if I still want to proceed with transferring my pension?