No single UK login shows what is in your name. We identify your schemes and administrators and hand you every request, written and ready to send. $99, full refund if we find nothing material.
If you worked in the UK and moved on, changed employers, or lost the paperwork years ago, you are in the right place. Pensions are rarely gone. Most of the time the scheme simply lost track of you.
People who worked in the UK and now live elsewhere, people who changed employers so often the paperwork stopped following them, and people searching for a parent or partner.
British employers merge, get bought, and dissolve, and each time the scheme behind them can change name, administrator, or hands entirely. The official tracing service gives you a scheme's contact details, but only if you already know exactly who to ask for. Your State Pension position is a separate entitlement again.
A PensionHunter Pension Identification Report works from what you actually remember, employer names and rough dates, and identifies the schemes, administrators, and state entitlement your work history points to, even where the employer no longer exists. One fixed fee, one clear picture, and a refund if we find nothing material.
If you were in a UK company pension scheme between May 1990 and April 1997, the scheme may owe you arrears from the GMP equalisation rulings, even if you transferred out.
The UK pensions dashboard is not open to the public. Schemes must connect by October 2026, but no launch date for people is set. Today, nobody can look themselves up.
What your Pension Identification Report delivers
Nobody sits between you and your pension. You act the moment the evidence lands.
For United Kingdom, a Pension Identification Report identifies the named fund or administrator holding your pension, with the sourced route to contact them. Identification only. In the Enhanced Pension Identification Report and the Global Pension Identification Report we prepare a complete information request for every fund we identify, ready to send.
Identification & research only, no financial advice
Start here
$99
Country Pension Identification Report, United Kingdom
Within 24 to 48 hours
Your report lands in 24 to 48 hours, with the evidence, the contacts and every request written and ready to send.
The free government service gives you an address to write to. We give you the whole route.
Find my pensions in the United KingdomFull refund if we find nothing material.
Enhanced Pension Identification Report ($499): your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report ($799): the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Your United Kingdom report, see the full sampleUNITED KINGDOM SAMPLEThis is the United Kingdom sample, produced by the same methodology that runs every real case.Open the sampleA free government service is available at gov.uk/find-pension-contact-details . It tells you who to contact. PensionHunter goes further by searching registries, tracing employers, and preparing a complete information request for every fund we identify, written and ready to send.
PensionHunter is a team of pension researchers working across 41 countries. We do not touch your money, we take no percentage, and every report is reviewed by a human before release.
Doing it yourself
Means working through all of this:
What we do
Human experts + AI, fixed fee:
Identification only. We do not claim, transfer, negotiate, or make decisions regarding any pension.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
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.
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).
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.
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
Worked in more than one country? One Global Pension Identification Report covers every country you worked in, up to all 41 we cover.
Country and cohort-specific guidance for people who worked in the UK and now live elsewhere, or who came to the UK from abroad to work.
Americans with UK pensions
US residents who worked in the UK
Claim UK pension from USA
American cohort: tax treaty, FBAR, no QROPS
Claim UK pension from Australia
Australian residents with UK workplace pensions
Australians in the UK
Working-holiday and skilled-worker cohorts
Indians in the UK
Tier 2, NHS, IT consultancy
South Africans in the UK
Three emigration waves, NHS cohort, QROPS
Hongkongers in the UK
BN(O) visa cohort and earlier arrivals
Brits in Spain
UK pensions held while resident in Spain
Brits in Portugal
UK pensions held while resident in Portugal
Worked in London
City, Big 4, NHS, hospitality
Find UK pension while abroad
General overseas search guidance
Your pension after leaving the UK
What happens to a UK pension once you emigrate
Specific situations we cover. For expats, returning citizens and cross-border workers.
Find a UK pension from the USA
Tracing a UK workplace pension from the United States, including WEP/GPO context post-2025 repeal.
Read guideEmployer merged, renamed or closed
Following UK employer succession chains to the scheme that holds an old workplace pension.
Read guideThe same kind of guide, other countries
Whether anyone officially counts unclaimed pensions in the United Kingdom is a question with a published answer, and we keep it on one page: the United Kingdom row on our pension scoreboard.
For pension schemes and trustees with members in the United Kingdom: see our cross-border member tracing services
Yes, and we recommend trying it. The free service tells you who to contact. It does not trace employers through mergers and renames, and it does not search across borders. PensionHunter searches registries, identifies the right providers, and delivers a full written report. Country Pension Identification Report $99, Enhanced $499, Global Pension Identification Report ($799). Full refund if we find nothing material.
It helps significantly but is not essential. We can search with your name, date of birth and employer history. Your NI number speeds up the process with most providers.
Your Enhanced Pension Identification Report tier report arrives within five working days of your intake form. At Enhanced Pension Identification Report tier we prepare a complete request pack for each identified UK provider under your signed Information Request Authority (IRA), written and ready for you to send. Providers typically take 4 to 12 weeks to respond, and we answer your questions by email about whatever comes back, on your workplace and state pension alike, for as long as your case is open.
Your State Pension forecast shows if you were contracted out, and payslips from before April 2016 with NI letters D, E, L, N or O prove it. If you were, your forecast includes a deduction called COPE, and the workplace scheme that contracted you out is supposed to make up that slice. That turns a remembered job into a dated pension question worth asking.
15 pages. 41 countries. Join the list to receive it.
Guide sent to every signup. Occasional PensionHunter updates only if you tick above. Unsubscribe any time.
Some clients order a Pension Identification Report for themselves. Many order it to get their affairs in order: one document their family can find, whatever happens.
We identify your UK schemes and administrators and hand you every request, written and ready to send. $99, full refund if we find nothing material.
Find my pensions in the United KingdomImportant Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by the Financial Conduct Authority (FCA) or any equivalent financial-services or pensions regulator in the United Kingdom. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.