Guides › Pensions and Retirement › Find a Lost Pension
Find a Lost Pension
If you have lost track of an old pension, the government's Pension Tracing Service can give you contact details for the scheme, by phone or post. It cannot tell you whether you have a pension or what it is worth, so you then contact the scheme with your details.
At a Glance
Your Rights
What the rules say, with a link to the official source for each.
Tracing a Pension
Pension Tracing Service
You can find contact details to search for a lost pension online, or request them from the Pension Tracing Service by phone (0800 731 0175, Monday to Friday, 10am to 3pm) or post. It cannot tell you whether you have a pension or what its value is. source
Free Guidance
Pension Wise gives free, impartial appointments about options for defined contribution pensions, usually from age 50. source
Time Limits to Know
Miss a deadline and you can lose a right. Check the dates on your own paperwork.
- Before 55Be wary of offers to unlock a pensionA common scam sign
Steps to Take
Step 1 of 5
List old employers and dates, and any old statements.
Step 2 of 5
Use the GOV.UK service to find the scheme's contact details.
Step 3 of 5
Contact the scheme with your National Insurance number.
Step 4 of 5
Ask for a current statement.
Step 5 of 5
Book a free Pension Wise appointment before making decisions.
(Tap the numbers to reveal steps)
Where to Go If It Is Not Put Right
Your options, in order, and when each one applies.
Pension Tracing Service (GOV.UK)
Contact details for old schemes.
Pension Wise
Free guidance.
Good to Know
Small things that make your complaint stronger.
Keep schemes updated with your address so they do not lose track of you.
Want Help?
If you would like one of our team to look at your problem, our initial case review is free. We cannot guarantee any outcome and we do not give legal advice.
Lead reviewer
Luke Marley
Founder and Lead Reviewer
Luke founded CPUK in 2026 after seeing how hard it is for ordinary people to get problems with companies put right. He oversees our guides and checks them against official sources.
Research by Katie Burt, Co-founder and Operations Lead (17 years in the care sector, including managing services for vulnerable adults), and the CPUK Research Team. Researched with AI-assisted research tools, then checked and corrected by our team.
Last checked: 13 October 2026. We are not paid by the companies we write about. Adverts never affect our guidance. Read our editorial policy.
Sources and official links
- gov.uk/find-pension-contact-details Checked 13 October 2026
- moneyhelper.org.uk/en/pensions-and-retirement/pension-wise Checked 13 October 2026