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Can I transfer my existing pension to the Vanguard Personal Pension?


Yes, the Vanguard Personal Pension can normally receive transfers of pension benefits from other UK registered pension schemes. If you hold Vanguard funds with your existing provider those can usually be transferred to us directly as units or shares (this is known as an in specie transfer).

If you are looking to transfer a pension from a final salary scheme worth more than £30,000, you'll have to have the transfer signed off by a qualified financial adviser before your pension scheme will release the money. Vanguard will also require your adviser to complete and sign our adviser declaration confirming that they have recommended the pension transfer. This regulatory requirement is there to protect you and make sure you're fully aware of what you're giving up.

We currently do not accept Recognised Overseas Pension Schemes.

Transferring existing pensions may not be suitable for everyone. As with all financial decisions there are important factors you need to consider. For further information please see our pensions transfers factsheet which provides some important information regarding why you may, or may not, wish to proceed with a pension transfer to Vanguard. We give information about our products and services. The only advice we give is low-cost, easy-to-access investment advice for retirement. Read the factsheet carefully and get financial advice from an authorised financial adviser if you’re in any doubt about transferring a pension.

Need more help?

Our UK-based team is ready to answer your questions

If you are an existing client, please send us a secure message using the Inbox feature within your account. This will help us respond with information specific to you.

If you are new to Vanguard, please send us a message with email.

Getting help in difficult circumstances

Please contact us if you’re having financial difficulties, navigating a difficult time in your life, or if your mental wellbeing is affected. This happens to many in these uncertain times. We’re here to help.

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