Why I Need To Trace My Pensions
Most people lose track of old pensions over time.
They often end up sitting in older schemes with higher charges, limited options, or just not performing as well as they could. In some cases, they’re simply left and forgotten.
The longer they’re left like this, the more money you could be losing without realising it.
Pension Pie helps you find your old pensions and bring them together in one place, so you can clearly see what you’ve got and take back control—without the stress or confusion.
Why Use Pension Pies Pension Tracing Service?
Lost track of a pension? You’re not alone—millions of people in the UK have. If you’ve changed jobs, moved house, or just haven’t kept up with it, your pension could be sitting somewhere you’ve forgotten about.
The problem is, you don’t know where it is, who holds it, or what it’s doing.
That’s where Pension Pie comes in.
We do the hard work for you—tracking down your pensions, showing you where they are, and helping you understand what you’ve got.
No chasing. No confusion. Just clear answers and a simple way to take control.
Pension Tracing Service
How Our Service Works…
Finding lost pensions shouldn’t feel like detective work..we do all the paperwork, heavy lifting and investigation for you.
- You tell us what you remember – Complete our simple online form with what you remember, your employment history, National Insurance number address changes and name changes. If you’ve moved jobs, forgotten schemes, or lost paperwork — that’s normal.
- We search properly (not just the basics) – We don’t just rely on basic databases. Our specialist pension tracing team use advanced tracing tools, forensic searches and our specialist forensic team, (including SERPS and contracted-out schemes), and direct provider outreach to locate pensions others miss. No matter who you worked for, if you paid pension contributions in we can find it!
- Nothing gets ignored – Where some providers will only search for schemes that are higher value SIPPs or DC or company schemes and ignore or exlude low value, DB., armed forces or government agencies etc – we will search for everything – No matter how much it is worth, if you think you had a pension at some point and you can give us some information we will make it our mission to find it!
- We handle the legwork- You dont need to do anything –Once the schemes are identified, we liaise directly with pension providers to confirm details, values,
- You stay in the loop – You get regular updates on our Web App and we will also email you on a regular basis.
- Clear results, straight from the source – You will hear directly from the providers , confirming asset values, etc and showing what pensions were found, where they are held and how to access them. No jargon.
Why Choose Pension Pie When You Could Do It Yourself?
Here’s the difference — 10 reasons to use Pension Pie
-
We know where to look
Most people don’t. We do—and we know how to get the information. -
We do the work for you
Letters, emails, chasing providers—we handle all of it so you don’t have to. -
We save you time, money, and stress
No forms, no back-and-forth, no wasting hours trying to figure it out. -
We’re faster and more accurate
This is what we do every day. We know how to get results quickly. -
We don’t just search—we follow it through
We actively track, verify, and chase until we get answers. -
Nothing gets missed
Job changes, name changes, lost records, company closures—we account for it all. -
We don’t ignore smaller pensions
Some services only focus on the easy wins. We look for everything—big or small. -
No hidden agenda
Unlike “free” services, we’re not trying to sell you something else. -
UK-based experts you can trust
Real people, here in the UK, who understand the system inside out. -
Clear pricing—no surprises
Yes, there’s a cost. But you’re paying to avoid the hassle, the guesswork, and the time drain of doing it yourself.
Simple, Transparent Pricing
No Hidden Fees. No Hidden Agenda.
Simple, clear pricing. No surprises.
One fixed fee covers a full, detailed pension trace for up to five pensions. Need more? Additional searches are just £40 each.
No subscriptions. No ongoing charges. No hidden costs.
Just a proper tracing service, done for you.
How we save you money
“Free” pension tracing isn’t likey to be free
Many advisers offer “free” pension tracing—but that’s only the first step.
What they’re really looking for is to move your pensions and charge you for advice.
If your total pension is under around £50,000, most won’t even take you on—it’s not worth their time.
If it is over £50,000, they’ll typically recommend moving everything into one place and charge an initial advice fee of around 2%.
That means on a £50,000 pension, you could pay £1,000 upfront—and that’s before any ongoing fees.
No time? Or just can’t be bothered? Fair enough.
If you’re working full-time, the average UK salary is around £28,000—that’s roughly £14 an hour.
Tracing pensions properly isn’t quick.
Finding old employers, matching them to pension providers, writing letters, chasing responses, sitting on hold… it all adds up.
Realistically, it can take 15–20 hours to track down 4 or 5 pensions—and even then, you might not find everything.
That’s £200–£300 worth of your time gone… and most people still give up halfway through.
Save money on pensions you didn’t even know you had!
Old pensions are often the worst offenders.
They can be sitting in outdated schemes with higher charges, hidden fees, and poor-performing funds—costing you money without you realising.
Pension Pie brings everything into one place, so you can clearly see what you’ve got, compare charges, and move away from overpriced providers if you choose to.
The reality – A difference of just 1% in fees over 20–30 years can cost you tens of thousands from your pension.
That’s money most people lose simply because they didn’t know their pensions were there—or didn’t check them.
Pricing & What’s Included
We charge a one-off fee of £225, covering a full pension trace for up to 5 pensions. If you have more, you can add additional searches once you’re signed up.(On average currently each pot we find is worth around £16k* )—In most cases far more than the cost of tracing.
What you get:
- A complete, professional pension tracing service
- A specialist UK-based support team
- Deep searches across multiple databases and providers
- We contact pension schemes directly on your behalf
- Regular updates through our secure app
- Confirmation of pension details and current providers
- Clear evidence of what your pensions are worth
- Ongoing support throughout
Why it pays for itself
On average, each pension we find is worth around £16,000*. In most cases, that’s far more than the cost of tracing.
If you’ve paid into a pension before, there’s a strong chance something is waiting to be found!
And when you find it, the £225 fee quickly becomes insignificant—especially when you could be uncovering thousands of pounds that are rightfully yours.
Don’t just take our word for it. We’re consistently rated 5 stars for getting results quickly and keeping things simple.
That’s why more and more people trust Pension Pie to find pensions they thought were gone..
Next Steps..
Option 1 – Ready to get going:
Fastest way to get things underway, Its easy, just sign up now and we will get to work! There are also Payment options avaiable (you can pay in installments)
Option 2 – Book a call back with one of our team:
Not ready to sign up? No problem. Ask us anything—no pressure, just straight answers. Book a call back at time convienent to you!
What People Say
People come to us frustrated. They leave relieved.
Common feedback we hear:
- “Pensions I’d completely forgotten about.”
- “Great Service…”
- “Saved me so much time…”
- ‘”…I couldnt find the time…”
- “Very professional…”
- “Kept me informed all the way…”
- “Does soooo much, much more thorough than the free tools.”
- “Clear, simple, and actually got results.”
We don’t overpromise. We just do the work properly — and it shows.
Don’t just take our word for it. Our clients consistently rate us 5 stars for our speed, accuracy, and clear communication. From fast results to exceptional customer service, discover why so many people trust Pension Pie to trace their lost pensions.
Rated 5 Stars by our UK Clients
Don’t just take our word for it. Our clients consistently rate us 5 stars for our speed, accuracy, and clear communication. From fast results to exceptional customer service, discover why so many people trust Pension Pie to trace their lost pensions.
Simple & Secure Pension Search Process
Getting started is easy. Just complete our quick online form and we’ll begin the tracing process using your name, NI number, and employment history. We create and send personalised letters to each potential pension provider, and you receive the responses directly. It’s all done securely, with no middlemen and no complex paperwork.
What Makes Our Pension Pie So Effective?
We go beyond the basics. Our team combines decades of industry experience with AI-powered deep search tools and exclusive access to databases including SERPS, HMRC records, and the Pension Protection Fund. We also investigate defunct employers and trace changes of address — giving you the best chance of recovering every pension you’re entitled to.
