UK Pension Reviews for Expats
Worked for a major UK employer and now live abroad?
Your old workplace pension may still be one of your most important financial assets.
It may be a defined benefit pension. A defined contribution pot. A hybrid arrangement. A legacy scheme. A pension with protected benefits. Or a workplace pension you have not looked at properly since leaving the UK.
The real question is not only:
Where is my old pension?
It is:
What type of pension do I have, what benefits might I be giving up, and does it still fit my retirement plan now that I live abroad?
This pension review library helps British expats understand the key things to check before transferring, consolidating or drawing income from an old UK workplace pension.
How to use this UK pension review library
If you worked for a UK employer and now live abroad, your old workplace pension may still play an important role in your retirement plan.
This pension review library is designed to help you understand the key questions to ask before transferring, consolidating, drawing income from, or leaving a UK pension where it is.
Use this page as a starting point:
- Search for your former employer or pension scheme
Look for the company you previously worked for, the pension scheme name shown on your paperwork, or the administrator listed on your statements. - Read the relevant pension review guide
Each guide explains the common issues expats should consider, including pension type, scheme structure, safeguarded benefits, retirement options, currency, tax residence and estate planning. - Request your latest pension information
Before making decisions, you usually need up-to-date documents such as your latest benefit statement, transfer value, scheme booklet, retirement options pack and beneficiary nomination details. - Check what type of pension you have
Your options may be very different depending on whether you have a defined benefit pension, defined contribution pension, hybrid scheme, AVCs, protected tax-free cash, guaranteed annuity rates or other safeguarded benefits. - Review the pension in the context of your life abroad
A pension that made sense while you lived in the UK may need reviewing if you now live in Dubai, Abu Dhabi, Saudi Arabia, Qatar, Singapore, Hong Kong, Europe or elsewhere overseas. - Get advice before making irreversible decisions
A pension review is not a recommendation to transfer. In some cases, keeping the pension where it is may be the right outcome. The purpose of a review is to understand your benefits, risks, costs and options before making a decision.
UK Workplace Pension Reviews for Expats
ABB
Worked for ABB UK and now live abroad? Review whether your benefits sit in The ABB Plan, including DB rights, pension account benefits, AVCs or another arrangement before making decisions.
Accenture
Worked for Accenture UK and now live abroad? Review whether your benefits sit in the Accenture Retirement Savings Plan, Legal & General arrangement, current workplace pension or another structure before making decisions.
Adobe
Worked for Adobe UK and now live abroad? Review whether your benefits sit in the Adobe UK defined contribution pension plan, an Aviva workplace pension, a transferred pension or another arrangement before making decisions.
Aegon
Worked for Aegon UK or Scottish Equitable and now live abroad? Review whether your benefits sit in the Aegon UK Staff Retirement and Death Benefit Scheme, an Aegon workplace pension, the Aegon Master Trust or another arrangement before making decisions.
AIA
Worked for AIA UK and now live abroad? Trace and review whether your old pension sits in a workplace pension, staff arrangement, group pension or legacy structure before making decisions.
Airbus
Worked for Airbus UK and now live abroad? Review whether your benefits sit in the Airbus Group UK Pension Scheme, Airbus Group UK Retirement Plan, a DB section, DC arrangement or another legacy structure before making decisions.
Amazon / AWS UK
Worked for Amazon UK or AWS in the UK and now live abroad? Review whether your benefits sit in the Amazon UK Retirement Savings Plan, a Legal & General workplace pension, a transferred pension or another arrangement before making decisions.
Aon
Worked for Aon, Aon Hewitt or Hewitt and now live abroad? Review whether Aon is the employer, administrator, provider or portal host before making decisions about your old UK pension.
AstraZeneca
Worked for AstraZeneca and now live abroad? Review whether your benefits sit in the AstraZeneca Pension Fund Retirement Account, Investment Account, AVCs or another legacy arrangement before making decisions.
Aviva
Worked for Aviva, Friends Provident or RAC and now live abroad? Review whether your benefits sit in the Aviva Staff Pension Scheme, RAC (2003) Pension Scheme, Friends Provident Pension Scheme or another Aviva arrangement.
AXA
Worked for AXA UK, AXA Health or AXA PPP and now live abroad? Review whether your benefits sit in the AXA UK Group Pension Scheme, DB section, DC arrangement, LifeSight account or another structure before making decisions.
Babcock
Worked for Babcock International and now live abroad? Review whether your benefits sit in the Babcock International Group Pension Scheme, the Babcock Retirement Savings Scheme, a DB section, DC arrangement or another legacy structure before making decisions.
BAE Systems
Worked for BAE Systems, Royal Ordnance or Alvis and now live abroad? Review whether your benefits sit in the BAE Systems Pension Scheme, BAE Systems 2000 Pension Plan, Mercer Master Trust or another legacy arrangement before making decisions.
Bain & Co
Worked for Bain & Company UK and now live abroad? Review your old Bain workplace pension, provider, charges, investment options and retirement access before making decisions.
Bank of America Merrill Lynch
Worked for Bank of America Merrill Lynch and now live abroad? Review whether your benefits sit in the Bank of America UK Retirement Plan, UK Pension Plan or a legacy Merrill Lynch arrangement.
Barclays
Worked for Barclays and now live abroad? Understand what to check if your benefits sit in the Barclays Bank UK Retirement Fund, BPSP or a legacy section.
Bayer
Worked for Bayer UK, Bayer CropScience or Schering Health Care and now live abroad? Review whether your benefits sit in the Bayer Group Pension Plan, Group DB Section or another legacy arrangement before making decisions.
Boston Consulting Group / BCG
Worked for Boston Consulting Group UK or BCG and now live abroad? Review your old workplace pension, provider, charges, investment options and retirement access before making decisions.
BP
Worked for BP and now live abroad? Review your BP UK pension before transferring, consolidating or drawing income. Understand BP Pension Fund benefits.
British Airways
Worked for British Airways and now live abroad? Review your APS, NAPS or BA DC pension before transferring, consolidating or drawing income.
BT
Worked for BT and now live abroad? Review your BT Pension Scheme, BTRSS or hybrid pension before transferring, consolidating or drawing income.
Canada Life
Worked for Canada Life UK and now live abroad? Review whether your benefits sit in the Canada Life UK Division Staff Pension Fund, a workplace pension, AVCs or another arrangement before making decisions.
Capgemini
Worked for Capgemini UK and now live abroad? Review whether your benefits sit in the Capgemini UK Pension Plan, the Capgemini UK (2004) Pension Plan, a DC section or another arrangement before making decisions.
Citibank
Worked for Citi and now live abroad? Review your UK pension before transferring, consolidating or drawing income. Understand MyCitiPension and DB, DC or hybrid benefits.
Cisco
Worked for Cisco UK and now live abroad? Review whether your benefits sit in the Cisco Pension & Savings Plan, an Aviva workplace pension, a transferred pension or another arrangement before making decisions.
Cummins
Worked for Cummins UK and now live abroad? Review whether your benefits sit in the Cummins UK Pension Plan and whether you hold DB, DC, AVC or another legacy benefit before making decisions.
Dell
Worked for Dell UK or EMC and now live abroad? Review whether your benefits sit in the Dell UK Group Pension Scheme 2018, a Dell or EMC legacy arrangement, a transferred pension or another structure before making decisions.
Deloitte
Worked for Deloitte UK and now live abroad? Review whether your benefits sit in a Deloitte UK DB scheme, current workplace pension, DC arrangement, legacy structure or partner-related pension before making decisions.
Deutsche Bank
Worked for Deutsche Bank and now live abroad? Review your UK pension before transferring, consolidating or drawing income. Understand Deutsche Bank UK Pension Scheme benefits.
Diageo
Worked for Diageo and now live abroad? Review whether your benefits sit in the Diageo Pension Scheme, Retirement Savings Plan, Lifestyle Plan or another arrangement before making decisions.
Eli Lilly
Worked for Eli Lilly UK and now live abroad? Review whether your benefits sit in the Eli Lilly Group Pension Plan and whether you hold DB, DC, AVC, transferred or another legacy benefit before making decisions.
EY
Worked for EY UK, Ernst & Young or EY-Parthenon and now live abroad? Review whether your benefits sit in the Ernst & Young Retirement Benefits Plan, a current workplace pension, DC arrangement or legacy structure before making decisions.
Ford
Worked for Ford UK and now live abroad? Review whether your benefits sit in the Ford Salaried Contributory Pension Fund, Ford Hourly Paid Contributory Pension Fund or another legacy arrangement before making decisions.
GE Aerospace
Worked for GE Aerospace, GE Aviation or GE Capital and now live abroad? Review whether your benefits sit in the GE Aerospace Pension Plan, GE Capital Pension Scheme or another legacy GE arrangement before making decisions.
GKN
Worked for GKN or GKN Aerospace and now live abroad? Review whether your benefits sit in Scheme No. 1, Scheme No. 4, the GKN Aerospace Pension Scheme or another legacy arrangement before making decisions.
Goldman Sachs
Worked for Goldman Sachs and now live abroad? Review your Goldman Sachs UK Retirement Plan before making decisions about DB, DC, GMP equalisation or retirement income options.
Worked for Google UK and now live abroad? Review whether your benefits sit in the Google UK Ltd MyMoney Plan Flexible Retirement Account, an Aviva workplace pension, a transferred pension or another arrangement before making decisions.
GSK
Worked for GSK, Glaxo Wellcome or SmithKline Beecham and now live abroad? Review whether your benefits sit in GSK Pension Plans, the GW Pension Plan, a DB salary section, DC arrangement or another legacy pension structure before making decisions.
Halliburton
Worked for Halliburton and now live abroad? Review your UK pension before transferring, consolidating or drawing income. Understand Halliburton pension benefits.
Honeywell
Worked for Honeywell UK and now live abroad? Review whether your benefits sit in the Honeywell UK Pension Scheme, known as HUKS, and whether you hold DB, DC, AVC or another legacy benefit before making decisions.
HP
Worked for HP, Hewlett-Packard Enterprise or Digital Equipment Corporation and now live abroad? Review whether your benefits sit in the Hewlett-Packard Limited Retirement Benefits Plan, the HP Section, the Digital Section or another legacy arrangement before making decisions.
HSBC
Worked for HSBC and now live abroad? Understand what to check if you hold DB, DC or hybrid benefits in the HSBC Bank (UK) Pension Scheme.
IBM
Worked for IBM UK and now live abroad? Review whether your benefits sit in the IBM Pension Plan, the IBM IT Solutions Pension Scheme, the IBM ITS Pension Plan, a DB section, DC section or another IBM-related arrangement before making decisions.
Intel
Worked for Intel UK and now live abroad? Review whether your benefits sit in the Intel Corporation (UK) Limited Staff Benefit Plan, an Intel SIPP through Legal & General WorkSave, an Intel Pension Plan arrangement or another structure before making decisions.
Jaguar Land Rover
Worked for Jaguar Land Rover, Jaguar or Land Rover and now live abroad? Review whether your benefits sit in the Jaguar Pension Plan, Land Rover Pension Scheme, Jaguar Executive Pension Plan or another legacy arrangement before making decisions.
Johnson & Johnson
Worked for Johnson & Johnson UK, Janssen or DePuy and now live abroad? Review whether your benefits sit in the Johnson & Johnson UK Group Retirement Plan, Retirement Savings Plan or another legacy arrangement before making decisions.
JP Morgan
Worked for JP Morgan and now live abroad? Review whether your benefits sit in the J.P. Morgan UK Pension Plan, the JPMC UK Retirement Plan or another legacy arrangement.
Korn Ferry
Worked for Korn Ferry UK and now live abroad? Review your old workplace pension, provider, charges, investment options and retirement access before making decisions.
KPMG
Worked for KPMG UK and now live abroad? Review whether your benefits sit in the KPMG Staff Pension Fund, Post 2000 Section, current workplace pension or another arrangement before making decisions.
Legal & General
Worked for Legal & General and now live abroad? Review whether your benefits sit in the Legal & General Group UK Pension & Assurance Fund, workplace pension or another arrangement before making decisions.
Leonardo
Worked for Leonardo UK and now live abroad? Review whether your benefits sit in Leonardo FuturePlanner, the Leonardo Helicopters Pension Scheme, an electronics-related arrangement or another legacy structure before making decisions.
Lloyds Banking Group
Worked for Lloyds, Lloyds TSB, Halifax, Bank of Scotland, HBOS, Scottish Widows or Cheltenham & Gloucester and now live abroad? Review whether your benefits sit in Lloyds Bank Pension Scheme No. 1, Lloyds Bank Pension Scheme No. 2, Your Tomorrow, the Scottish Widows Master Trust or another legacy arrangement before making decisions.
Lockheed Martin
Worked for Lockheed Martin UK and now live abroad? Review whether your benefits sit in the Lockheed Martin UK Pension Plan, a legacy DB section, a DC arrangement, AVCs or another structure before making decisions.
LV=
Worked for LV= or Liverpool Victoria and now live abroad? Review whether your benefits sit in the LV= Employee Pension Scheme, a DB section, DC section, AVCs or another legacy arrangement before making decisions.
M&G
Worked for M&G and now live abroad? Review whether your benefits sit in the M&G Group Pension Scheme, a Prudential/M&G workplace pension or another legacy arrangement before making decisions.
Marsh McLennan
Worked for Marsh McLennan, MMC, Marsh, Mercer, Oliver Wyman or Guy Carpenter and now live abroad? Review whether your pension sits in the MMC UK Pension Fund, a DC section, a legacy arrangement or another group pension structure before making decisions.
McKinsey
Worked for McKinsey UK or McKinsey & Company and now live abroad? Review whether your benefits sit in the UK Support Staff Pension Scheme, United Kingdom Additional Plan, a personal account or another arrangement before making decisions.
Mercer
Worked for Mercer, MMC or Marsh McLennan and now live abroad? Review whether Mercer is the employer, adviser, provider, administrator or former administrator before making decisions about your old UK pension.
Merck
Worked for Merck UK and now live abroad? Review whether your benefits sit in the Merck Pension Scheme and whether you hold DB, DC, AVC, transferred or another legacy benefit before making decisions.
MetLife
Worked for MetLife UK and now live abroad? Trace and review whether your old pension sits in a workplace pension, staff arrangement, group pension or legacy structure before making decisions.
Microsoft
Worked for Microsoft UK and now live abroad? Review whether your benefits sit in the Microsoft Group Personal Pension Plan, a Fidelity workplace pension, a transferred pension or another arrangement before making decisions.
Morgan Stanley
Worked for Morgan Stanley and now live abroad? Review whether your benefits sit in the Morgan Stanley UK Group Pension Plan, the Top-Up Pension Plan or legacy fund options before making decisions.
NatWest Group
Worked for NatWest, RBS, Royal Bank of Scotland, NatWest Markets, Coutts or Ulster Bank and now live abroad? Review whether your benefits sit in the NatWest Group Pension Fund, the former RBS Group Pension Fund, the NatWest Group Retirement Savings Plan or another legacy schedule before making decisions.
Nissan
Worked for Nissan UK and now live abroad? Review whether your benefits sit in the Nissan Pension Plan and whether GMP, AVCs, legacy pension rights or another safeguarded feature applies before making decisions.
Northern Trust
Worked for Northern Trust and now live abroad? Review whether your benefits sit in the DB or DC section of the Northern Trust (UK) Pension Plan before making decisions.
Novartis
Worked for Novartis UK and now live abroad? Review whether your benefits sit in the Novartis UK Pension Scheme, Novartis UK Pension Plan, AVCs or another legacy arrangement before making decisions.
Oliver Wyman
Worked for Oliver Wyman UK and now live abroad? Review whether your pension sits under Oliver Wyman, Marsh McLennan, MMC, the MMC UK Pension Fund or another group arrangement before making decisions.
Oracle
Worked for Oracle UK and now live abroad? Review whether your benefits sit in the Oracle UK Pension Plan, a DB section, DC section, AVC arrangement, legacy section, acquired business arrangement or another Oracle-related pension before making decisions.
PA Consulting
Worked for PA Consulting and now live abroad? Review whether your pension sits in the PA Pension Scheme, an insurer-backed legacy arrangement, a current workplace pension or another structure before making decisions.
Pfizer
Worked for Pfizer UK and now live abroad? Review whether your benefits sit in the Pfizer Group Pension Scheme and whether you hold DB, DC, AVC or another legacy benefit before making decisions.
Phoenix Group and Standard Life
Worked for Phoenix Group, Standard Life, Pearl, Abbey Life or ReAssure and now live abroad? Review whether your benefits sit in a legacy staff scheme, workplace pension or another arrangement before making decisions.
Prudential
Worked for Prudential and now live abroad? Review whether your benefits sit in the Prudential Staff Pension Scheme, Staff DB Pension Scheme, DC Section or another arrangement before making decisions.
PwC
Worked for PwC UK or PricewaterhouseCoopers and now live abroad? Review whether your benefits sit in the PwC Group Personal Pension, Legal & General arrangement, PwC Pension Fund or another structure before making decisions.
QinetiQ
Worked for QinetiQ and now live abroad? Review whether your benefits sit in the QinetiQ Pension Scheme, a DB section, DC arrangement, AVCs or another legacy structure before making decisions.
Roche
Worked for Roche UK and now live abroad? Review whether your benefits sit in the Roche Pension Fund and whether you hold deferred DB income, DC savings, AVCs or another legacy benefit before making decisions.
Rolls-Royce
Worked for Rolls-Royce and now live abroad? Review your UK pension before transferring, consolidating or drawing income. Understand Rolls-Royce UK Pension Fund benefits.
Royal London
Worked for Royal London and now live abroad? Review whether your benefits sit in the Royal London Group Pension Scheme, workplace pension or another arrangement before making decisions.
Salesforce
Worked for Salesforce UK and now live abroad? Review where your old Salesforce workplace pension sits, who administers it, what charges apply and whether it still fits your overseas retirement plan.
Sanofi
Worked for Sanofi UK and now live abroad? Review whether your benefits sit in the Sanofi Pension Scheme and whether the Legal & General buy-in, AVCs or another legacy benefit applies before making decisions.
Santander
Worked for Santander UK, Abbey National, Alliance & Leicester, Bradford & Bingley or Girobank and now live abroad? Review whether your benefits sit in the Santander (UK) Group Pension Scheme, one of its seven sections, LifeSight or another legacy arrangement before making decisions.
SAP
Worked for SAP UK and now live abroad? Review whether your benefits sit in the SAP (UK) Ltd Group Personal Pension, a Fidelity workplace pension, a transferred pension or another arrangement before making decisions.
Scottish Widows
Worked for Scottish Widows, Clerical Medical or Lloyds Group and now live abroad? Review whether your benefits sit in a staff scheme, workplace pension, Lloyds-related arrangement, Scottish Widows Master Trust or legacy product before making decisions.
Shell
Worked for Shell and now live abroad? Review your Shell UK pension before transferring, consolidating or drawing income. Understand SCPF and UK Shell Pension Plan benefits.
Siemens
Worked for Siemens UK and now live abroad? Review whether your benefits sit in the Siemens Benefits Scheme, a DB section, DC section, AVC arrangement or another legacy structure before making decisions.
Sky
Worked for Sky UK and now live abroad? Review whether your benefits sit in the Sky Pension Plan, a workplace pension, AVC arrangement, transferred pension or another structure before making decisions.
Smiths Group
Worked for Smiths Group, Smiths Industries or TI Group and now live abroad? Review whether your benefits sit in the Smiths Industries Pension Scheme, the TI Group Pension Scheme or another legacy arrangement before making decisions.
SLB / Schlumberger
Worked for SLB or Schlumberger and now live abroad? Review your UK pension before transferring, consolidating or drawing income. Understand SLB and Schlumberger pension benefits.
Standard Chartered
Worked for Standard Chartered and now live abroad? Review whether your benefits sit in the Standard Chartered Pension Fund, Investor Plan or another arrangement.
Sun Life
Worked for Sun Life or SunLife and now live abroad? Review whether your old pension now sits under Sun Life, Phoenix Group, Standard Life or another legacy arrangement before making decisions.
Thales
Worked for Thales UK and now live abroad? Review whether your benefits sit in the Thales UK Pension Scheme, a legacy DB section, a later workplace pension, AVCs or another structure before making decisions.
Unilever
Worked for Unilever and now live abroad? Review whether your benefits sit in the Unilever UK Pension Fund, a DC section or another arrangement before making decisions.
Virgin Media O2
Worked for Virgin Media, NTL or O2 and now live abroad? Review whether your benefits sit in the NTL Pension Plan, a legacy DB section, a DC arrangement, AVCs or another historic pension structure before making decisions.
Vodafone
Worked for Vodafone UK and now live abroad? Review whether your benefits sit in the Vodafone Group Pension Scheme, a DB section, DC arrangement, AVCs or another legacy structure before making decisions.
Wood Group
Worked for Wood Group and now live abroad? Review your Wood UK pension before transferring, consolidating or drawing income. Understand Wood Pension Plan benefits.
WTW
Worked for WTW, Willis Towers Watson, Towers Watson, Watson Wyatt or Willis UK and now live abroad? Review whether WTW is the employer, administrator, provider or portal host before making decisions about your old UK pension.
Zurich
Worked for Zurich UK or Endsleigh and now live abroad? Review whether your benefits sit in ZPen, EPen, a Zurich DC arrangement or another structure before making decisions.
UK Pension Administrator Reviews for Expats
Capita
Does Capita appear on your old UK pension paperwork, or did you work for Capita? Review the underlying scheme, benefit type, provider and transfer rules before making decisions.
XPS
Does XPS appear on your old UK pension paperwork? Review the underlying employer scheme, benefit type, provider and transfer rules before making decisions.