Pension FAQs & common questions

Personal Pensions, Workplace Pensions, Stakeholder pensions – these fall into a group of pensions known as ‘money purchase’ schemes.

Sorry, Zippen doesn’t deal with any Final Salary schemes. You’ll need to find a financial adviser.

Fewer pensions means more transparency and more control. Take ownership of your schemes and make a simpler pension picture work for you. Reduce the admin, lose the hassle, gain control.

Using your basic personal details and asking a couple of simple questions, we can get to work to find those missing pension pots that belong to you. It's your money and it's time to find it!

Using your basic personal details and the name of your pension provider, we can put the wheels in motion to find out whether a pension consolidation might work for you.

Sorry, we can only consider UK Pensions.

State pension queries are separate to Zippen and should be directed to HMRC – follow this link: www.gov.uk/check-state-pension

As few as two, and as many more as you like.

Absolutely. If you move on to a new job and join a new workplace pension, you can take the Zippen journey again and see if it's possible to further streamline your pension picture.

Not at all. Let’s gather the details and find out what you’ve got.

Not at all, there can be as much merit in consolidating small schemes of one hundred pounds as there is in consolidating larger sums.

We do not offer you advice regarding the way your pensions are invested. However, you always have options. We want Zippen users to be comfortable asking the right questions and to take ownership of what is rightfully theirs. Your pension provider and, maybe the scheme adviser, know the investments available under your pension plans and the options you have.

The actual process of entering your data needn’t take long. What takes a little longer is the physical transfer once the request is made, this might take a week, or it might take six, it depends on the providers!

The sheer volume of small pension schemes that have been "lost" in the system or, that Independent Financial Advisers think are too tiny to bother with, has led us to provide a service that gives you the opportunity to consolidate your past pension schemes into one of your existing schemes. You can now have all of your pensions in one place, without the need for a new plan.

Our competitors in the market are taking your funds under management by selling/offering you an entirely new pension scheme. We’re making the most of what you already have and aren’t looking to take your pension funds. We are also advising you. An IFA might charge upwards of £350 per hour* for each pension consolidation. We don’t think that’s fair. *source Money Advice Service

Yes – Zippen is committed to ensuring that your privacy is protected. If we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with our privacy policy.

Lots of pension providers have merged/been bought out over the years – if the Zippen bot has changed your provider name, it’s simply because it recognises this and has updated to the new provider.