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United KingdomDenmark

Find your pension after working in United Kingdom and Denmark

Pensions accrued in United Kingdom and Denmark are administered separately by each country's providers and registers. We do the identification work in both jurisdictions, the route is different in each, and we use the verified route per country.

Find my pensions

Full refund if we find nothing material.

Your United Kingdom pension entitlement

Verified country facts

Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.

Why it matters

The April-2026 voluntary-NI regime change: cheap Class 2 from abroad is abolished and a one-time transitional door (old rules, incl. Class-2 payers switching without the 10-year residence test) has its own closing date, confirmed by the Future Pension Centre.

If you do nothing

The cheap voluntary-NI window lapses at the transitional door; outside it, only the standard 6-year backdating remains and older years fall away year by year. Workplace pots are preserved (not auto-paid).

Time-critical dates

  • Voluntary-NI transitional door: The rules changed in April 2026. A one-time transitional door under the old rules, including existing Class-2 payers switching to Class-3 without the 10-year test, has its own closing date, which the Future Pension Centre confirms on request. Gaps in the record itself can normally be filled for the past six tax years, each with its own deadline, on 5 April.
  • Short-service refund: If you were in a defined-contribution scheme, a refund of your own contributions was only possible if you left within 30 days of joining (for schemes joined after October 2015). If you were in a defined-benefit scheme, a refund was only possible if you were a member for under two years.

How records are reached

Personal-record access wall: Government Gateway (the personal State Pension forecast / NI record)

Companies House and the government's free Pension Tracing Service are both public, PTS returns scheme contact details only, never balances or membership confirmation, and a well-known commercial namesake (pensiontracingservice.com) is not the government service. The genuine difficulty in UK pension lineage is that employers get acquired, schemes get bulk-bought, providers rebrand, and a 1990s payroll deduction can land in a scheme with a name nobody at the original employer would recognise today.

From abroad: Public records and PTS work from anywhere without your credentials; the personal state-pension forecast needs Government Gateway, and HMRC's identity checks can be hard to pass from overseas. The harder problem from abroad isn't the gateway, it's that scheme-name continuity in the UK breaks repeatedly across decades, and reading that history is what the work actually is.

Cross-border

Many bilateral/reciprocal agreements; post-Brexit EU-UK protocol preserves aggregation. Where you retire decides whether your UK State Pension rises each year or freezes at its first payment for life. Australia, Canada and New Zealand freeze it; the USA does not.

Primary sources: gov.uk/find-pension-contact-details · gov.uk (voluntary NI / state pension) · developer.company-information.service.gov.uk

Your Denmark pension, official portal route

Verified country facts

Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.

Why it matters

PensionsInfo (pensionsinfo.dk) consolidates EVERY Danish pension, state + ATP + occupational + private, in one free login, and unlike most walled countries the MitID/CPR wall is RE-OBTAINABLE from abroad (chipped-passport scan, 2023). Plus the forgotten ATP and its distinctive emigration lump-sum option.

If you do nothing

folkepension is must-apply (~6 months ahead) and never auto-pays a non-resident; ATP and occupational pots sit dormant in PensionsInfo until the person logs in and claims.

Time-critical dates

  • Apply window: folkepension must-apply, ~6 months before the desired date
  • Pension age: 67 in 2026, rising to 68 / 69 / 70

How records are reached

Personal-record access wall: PensionsInfo via MitID + CPR

PensionsInfo consolidates state + ATP + occupational + private in one login

From abroad: Denmark is the standout positive among walled markets: since 2023, MitID is re-obtainable from abroad, a route many departed Danes do not realise still exists for them, and once back through that wall, PensionsInfo is the one-login consolidator nobody else offers.

Cross-border

EU aggregation + single-claim-in-residence + bilaterals; the ATP emigration lump-sum is the distinctive non-EEA exit option.

Primary sources: borger.dk · atp.dk · pensionsinfo.dk · skat.dk · digst.dk · ssa.gov

Cross-border, factual

United Kingdom and Denmark pensions are not pooled or auto-consolidated. Each leg is worked on its own: registers searched in United Kingdom, registers searched in Denmark, and contact details surfaced where the dossier supports it. State pensions may be affected by bilateral or reciprocal agreements between the two jurisdictions, each country page records what its dossier establishes; we do not invent treaty effects.

Frequently asked questions

Can PensionHunter trace a pension from United Kingdom when I now live in Denmark?

Yes. Our report covers identification work in both United Kingdom and Denmark as separate jurisdictions. Each country's pensions are administered locally; we work each one using the access route published on its country page.

Do my United Kingdom and Denmark pensions combine automatically?

No. Pensions accrued in United Kingdom stay with United Kingdom schemes; pensions accrued in Denmark stay with Denmark schemes. They are administered separately. Bilateral and reciprocal agreements may affect state pension aggregation in some pairs, see each country page for what its dossier records.

What does the Pension Identification Report deliver for a United Kingdom→Denmark working history?

An identification-only report covering both jurisdictions: registers searched, any provider matches with contact details, and any registers that require you to check directly using your own credentials. We do not give financial advice, transfer pensions, or estimate values.

What if you find nothing?

Full refund if we find nothing material. Fixed fee, $99 Country Pension Identification Report, $499 Enhanced Pension Identification Report, $799 Global (covers all requested countries).