When you deposit and/or start a transfer of £5,000+ into a Wealthify Pension within 6 months. For new and existing customers who don’t already hold this product. Register by 17th December. T&Cs apply. Capital at risk. Find out more.
Pension Transfer
Transferring your old pensions to Wealthify couldn’t be simpler and comes with a whole host of benefits:
Low management fee of 0.6% per year, which includes the expert management of your Plan, taking the hassle out of saving for retirement.
When your pot reaches £100,000, get a reduced fee of 0.3% on any balance above that, meaning you get to keep more of your money.
Manage your Pension online or on our award-winning app.
The value of your Pension could go down as well as up. Tax treatments depend on your individual circumstances (and could change in the future). Minimum initial deposit of £5,000 required.
How to transfer your pension
The transfer process usually takes 2-6 weeks and our customer care team will be on-hand to support you with any questions you may have.
Set up your account
Use our Pension Plan creator to choose from 1 of 5 investment styles and see how much your pension could be worth.
We will help assess your suitable risk level with a few questions about your attitude to money.
Enter pension details
You will need your existing pension provider name, account reference number, and the approximate value of your pension.
Add as many pensions as you want if you are looking to consolidate pensions.
Leave it to us
Simply authorise your pension transfer to allow us to contact your existing provider, to transfer your pension's current cash value ready for us to invest into your new Wealthify Pension Plan.
Our awards
Strength in depth
We’re backed by Aviva, one of the UK’s largest financial services institutions which has looked after British consumers for more than 325 years. This means you get the best innovation in smart simple investing together with the security of knowing that we’re here to stay and operate to the highest standards.
Wealthify operates independently from Aviva, and our Pension Plans are made up of funds chosen by our own experts.
See how our Plans have performed
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 29th February 2016 and 31st August 2026, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
The graph below shows how each of our investment styles - from Cautious to Adventurous - have performed between 13th August 2018 and 31st August 2026, after all fees have been taken (based on 0.60% p.a. Wealthify management fee). These figures are based on the performance of Plans worth more than £100, figures will be different for Plans below that amount.
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
Of course, we experienced the ups and downs of the market along the way and you could get back less than you put in. Although we cannot rely on past performance to predict future results investing for the long-term (5 years or more) typically delivers positive returns. These figures are after all fees have been taken (based on 0.60% p.a Wealthify management charge), and are based on the performance of Plans worth more than £100 and will be different for Plans below that amount.
This table shows by how much each of our investment styles have grown each year.
| Investment Style | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 | 29/08/2025 - 29/08/2026 |
|---|---|---|---|---|---|---|
| Cautious | 0.56% | -11.05% | 4.72% | 1.30% | 6.17% | 4.38% |
| Tentative | 3.85% | -10.53% | 6.36% | 3.49% | 8.34% | 9.06% |
| Confident | 6.81% | -9.92% | 7.99% | 6.29% | 10.38% | 13.07% |
| Ambitious | 9.82% | -8.89% | 9.72% | 9.34% | 12.24% | 16.40% |
| Adventurous | 12.91% | -9.18% | 11.61% | 12.56% | 13.81% | 19.99% |
This table shows by how much each of our investment styles have grown each year.
| Investment Style | 31/12/2020 - 31/12/2021 | 31/12/2021 - 31/12/2022 | 30/12/2022 - 30/12/2023 | 29/12/2023 - 29/12/2024 | 30/12/2024 - 30/12/2025 | 29/08/2025 - 29/08/2026 |
|---|---|---|---|---|---|---|
| Cautious | 0.75% | -14.80% | 4.85% | 0.63% | 5.26% | 3.93% |
| Tentative | 4.12% | -15.16% | 6.90% | 2.91% | 5.84% | 9.07% |
| Confident | 7.66% | -15.69% | 8.89% | 5.28% | 6.34% | 12.82% |
| Ambitious | 11.11% | -16.30% | 11.12% | 7.64% | 6.45% | 15.66% |
| Adventurous | 14.52% | -17.62% | 13.28% | 10.34% | 6.38% | 18.79% |
Can I combine my pensions?
You may have several pensions with different providers, which can happen when you change jobs and leave an old workplace behind. Combining these old pensions together with one provider is known as pension consolidation and can make it easier to keep track of your pension pot.
Thankfully, combining your pensions with Wealthify is easy! Just let us know which pensions you want to combine, and we'll bring them all together into your Wealthify Pension.
With investing, your capital is at risk. The tax treatment of your investment will depend on your individual circumstances and may change in the future.
New to Wealthify Pensions?
If you're just setting out on your journey to get better control over your pensions, you don’t have to commit all of your hard-earned pensions at once. If you’d prefer, you can elect to transfer just part of your pension and transfer the rest at a later date if that feels right for you.
Simply start your transfer and select how much of your existing pension(s) you’d like to transfer using our Plan Builder.
Pension Transfer FAQS
Transferring your old pensions is easier than you might think – all we need to know is who your old providers are, reference numbers , an estimated value, and your permission to get in touch with your old providers regarding your pensions. You can usually find this information on your latest pension statement. We’ll do the rest and consolidate them into your Wealthify Pension.
If you’re an existing customer, simply head to your Dashboard and use the ‘transfer in’ button on your home screen.
You can transfer most types of pensions to Wealthify, apart from:
Pensions with safeguarded benefits, such as those with a defined benefit (DB), guaranteed annuity rate (GAR), guaranteed minimum pension (GMP), or final salary promise;
Pensions with protected benefits such as Protected Tax-Free Cash, or Protected Pension Age*;
Pensions you’re already taking an income from;
Overseas pensions, including Qualifying Recognised Overseas Pension Schemes (QROPS);
Crystallised plans.
Please note we can only accept defined contribution plans that have no safeguarded benefits or guarantees.
*Exception: if your pension has a protected Normal Minimum Pension Age (NMPA) of 55 or 56, we can accept the transfer.
No, unfortunately, we’re not able to accept pensions that are already in payment or if you’ve already taken income from.