Worked at Singer & Friedlander in London? Your pension probably still exists. The name on your payslip may not.

If you worked in London for Singer & Friedlander, or for Kaupthing Singer & Friedlander, this page is for you. One name, a purchase by Kaupthing, one Treasury Order and a dissolved company, plus a newer company with a very similar name that is a trap.

What happened

The Office of Fair Trading's closed case, published on 1 June 2005, concerns the anticipated acquisition by Kaupthing Holdings UK Limited of Singer and Friedlander Group plc (Source: Competition and Markets Authority, closed Office of Fair Trading case, Kaupthing Holdings UK Ltd and Singer and Friedlander Group plc, read 3 November 2026). That case records a decision on reference given on 2 June 2005 (Source: Competition and Markets Authority, closed Office of Fair Trading case, Kaupthing Holdings UK Ltd and Singer and Friedlander Group plc, read 3 November 2026). Companies House lists the name Kaupthing Singer & Friedlander Group plc for a holding company from 22 August 2006 to 24 December 2009 (Source: Companies House, the company's list of previous names, read 3 November 2026). The Treasury's Order was made on 8 October 2008 and came into force at 12.15 p.m. that day (Source: The Kaupthing Singer & Friedlander Limited Transfer of Certain Rights and Liabilities Order 2008, legislation.gov.uk, read 3 November 2026). What the Order transfers is the liabilities of Kaupthing Singer & Friedlander Limited to holders of Edge accounts, which are savings and fixed term deposit accounts (Source: The Kaupthing Singer & Friedlander Limited Transfer of Certain Rights and Liabilities Order 2008, legislation.gov.uk, read 3 November 2026). The Order's explanatory note says the transfer is to Deposits Management (Edge) Limited (Source: The Kaupthing Singer & Friedlander Limited Transfer of Certain Rights and Liabilities Order 2008, legislation.gov.uk, read 3 November 2026). The explanatory note says the Order then provides for those liabilities to be transferred on to ING Direct N.V (Source: The Kaupthing Singer & Friedlander Limited Transfer of Certain Rights and Liabilities Order 2008, legislation.gov.uk, read 3 November 2026). Companies House's filing history for Kaupthing Singer & Friedlander Limited lists a notice of move from administration to dissolution, filed on 24 September 2021 (Source: Companies House, the company's filing history, read 3 November 2026). Companies House records Kaupthing Singer & Friedlander Limited as dissolved on 24 December 2021 (Source: Companies House, the company's list of previous names, read 3 November 2026). Companies House lists a company named Singer & Friedlander Limited as incorporated on 12 October 2016 (Source: Companies House, company search for Singer & Friedlander, read 3 November 2026).

Why the trail is hard

The Order is about deposit accounts. It says nothing that we have read about staff or pension arrangements, so this page says nothing about them either. Companies House also lists a company named Singer & Friedlander Limited that was incorporated in 2016. We have read no source linking it to the bank, so we do not link it, and a search for the name alone finds the wrong company.

Which era were you in?

The employer's name and owner changed over the years, so the first question is which one you worked for. This holds for the dates in the left column.

Which pension arrangement applied to you depends on the company that employed you in those years and on your own terms. This page does not name a scheme or say who holds one today. A name that is right for the bank today may not have been right for your years, so we do not guess. Your report names it.

Not sure which row fits? Start the free check and tell us when you worked at Singer & Friedlander.

Do I have a pension from my Singer & Friedlander years?

It depends first on when you left. The law set a minimum, and a scheme could always be more generous than the law.

If you left after 6 April 1988 with 2 years or more of service, you very likely have a preserved pension, if you were in the scheme.

Sources: the age 26 and 5 year rule, Social Security Act 1973, Schedule 16, paragraph 6(1), read 20 October 2026, in force from 6 April 1975 (Social Security Act 1973 (Commencement No. 2) Order 1973, read 20 October 2026). The age condition ended on 1 January 1986 (Social Security Act 1985, section 1, read 20 October 2026, and Social Security Act 1985 (Commencement No. 2) Order 1985, read 20 October 2026). Five years became two with effect from 6 April 1988 (Social Security Act 1973, Schedule 16 as amended, note on the Social Security Act 1986, section 10, read 20 October 2026). Two years today, and 30 days for money purchase service that began on or after 1 October 2015 (Pension Schemes Act 1993, section 71, read 20 October 2026).

The free official route comes first

The UK government's free Pension Tracing Service gives you contact details for a workplace pension scheme from the name of an employer. It has a limit, in its own words: "This service will not tell you whether you have a pension, or what its value is." (Source: GOV.UK, Find pension contact details, read 20 October 2026.)

With an old City bank, the name is the hard part. The name on your payslip is rarely the name on the record today, and a search for the wrong name finds the wrong scheme or nothing you recognise.

Former colleagues

We have not yet checked for alumni groups or reunions for Singer & Friedlander, so we list none. If you know of one, the notice board below is coming for exactly this.

Frequently asked questions

I worked for Singer & Friedlander before Kaupthing. Is this my page? Yes. Your employer was then Singer and Friedlander Group plc or one of its companies. Tell us the name on your payslip and your years when you order.

Did the Treasury Order affect my pension? We have not read a source that says it did. The Order moves the liabilities of Kaupthing Singer & Friedlander Limited to holders of Edge accounts, which are deposit accounts. Your report follows the records that apply to your years.

Is the Singer & Friedlander Limited on Companies House today the bank I worked for? We do not know, and we have read nothing that says so. Tell us your years and the name on your payslip. See our Heritable Bank page for the other bank whose deposits a Treasury Order moved in October 2008.

Do you contact the pension scheme for me? No. We identify who holds the pension and give you what to send. You contact them yourself, and the pension stays yours throughout.

Is the government tracing service not enough? It is the right first step, and it costs nothing. It gives a contact for a scheme name you already have. It will not tell you whether you have a pension, and with Singer & Friedlander the name you remember is not the name on the record today.

What if you find nothing? We say so in the report. The refund promise sits next to the order button above.

More of the City's vanished banks: Heritable Bank, Northern Rock, Bradford & Bingley, and the A to Z of old names.