Worked in the UK? Living abroad now?
Trace Your Lost UK Pension From Anywhere in the World
You don’t have to be in Britain to find a British pension. If you paid into a UK pension before you moved abroad, it’s still yours — and we’ll track it down for you, wherever you now live. The average lost pension we find is worth £16,500.
Emigrated to Australia. Posted overseas for work. Spent a few years abroad and came home. However you left, the pension you paid into didn’t follow you — it stayed put in an old UK scheme, often forgotten, sometimes still quietly charging fees. The further away you are, the harder it feels to chase. That’s exactly what we do for you.
No argument. No quibble. If we don’t find anything, you get your money back.
Applies to all purchases made on or after 1 May 2026 at £249. Subject to qualifying conditions.
Distance Is the Problem. We’re the Answer.
Tracing a UK pension is fiddly enough when you live in Britain. From abroad it’s worse:
- You can’t easily phone UK providers — time zones, hold queues, and 0800 numbers that won’t connect from overseas.
- Post goes to an old UK address — providers write to where you lived 10 years ago, and the letters never reach you.
- You’ve lost the paperwork — it was in a drawer in a house you sold before you emigrated.
- You’re not even sure who held it — the employer may have been bought, merged, or closed since you left.
Here’s the part that matters: none of that stops us. We do the tracing from inside the UK, on your behalf, dealing directly with the providers in their language, in their time zone, by the channels they actually respond to. You don’t make a single phone call.
Pension Tracing Service
How Our Service Works…
We do all the paperwork, heavy lifting and investigation for you – from the UK, so distance is never the obstacle.
- You tell us what you remember – Complete our simple online form with your UK employment history, your National Insurance number, and any old UK addresses or name changes. You can do the whole thing online from wherever you are in the world.
- We search properly (not just the basics) – We don’t rely on a single database. Our specialist tracing team uses advanced tools, forensic searches, and direct provider outreach – including SERPS and contracted-out schemes – to find pensions others miss. If you paid into a UK pension, we’ll find it.
- Nothing gets ignored – Some services only chase higher-value pots and ignore small, old, or defined-benefit schemes. We search for everything, however much it’s worth.
- We handle every UK phone call and letter – You’re not on hold to a UK provider at 3am your time. We liaise directly with the schemes to confirm details and values.
- You stay in the loop, online – Updates come through our secure web app and by email – accessible from any country, on any device.
- Clear results, straight from the source – You hear directly from the providers, confirming what was found, where it’s held, and what it’s worth. No jargon.
Built for British Expats — Wherever You Landed
Here’s the difference — 10 reasons to use Pension Pie
Pension Pie traces UK pensions for:
- Permanent emigrants — you’ve built a life in Australia, New Zealand, Canada, the US, Spain or anywhere else, but you still have a UK pension sitting behind you.
- Overseas workers and postings — you’re abroad for a contract or a few years and want your UK pensions found and organised before they slip further out of view.
- Returning expats — you worked abroad, you’re back in the UK now, and you want every UK pension you ever paid into accounted for.
If you paid into a UK pension at any point, your location today makes no difference to us. We trace UK pensions only — and we trace them for clients in any country.
We charge £249.00
(For upto 5 Pensions – -unlimited pensions can be added after sign up)
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.
Clear About What We Do
We charge a one-off £249, covering a full trace of up to 5 UK pensions. Need more? Additional searches are just £40 each. No subscriptions, no ongoing charges, no hidden costs.
Pay by card, PayPal, Klarna or bank transfer – and you can spread it across 3 instalments if you’d prefer.
What you get:
- A complete, professional UK pension tracing service
- A specialist UK-based team dealing directly with UK providers on your behalf
- Deep searches across multiple databases and providers
- Regular updates through our secure app – accessible from any country
- Confirmation of pension details, current providers and values
- Ongoing support throughout
On average, each pension we find is worth around £16,500* – in most cases far more than the cost of tracing.
Pricing & What’s Included
What you get:
A complete, professional UK pension tracing service
A specialist UK-based team dealing directly with UK providers on your behalf
Deep searches across multiple databases and providers
Regular updates through our secure app — accessible from any country
Confirmation of pension details, current providers and values
Ongoing support throughout
On average, each pension we find is worth around £16,500* — in most cases far more than the cost of tracing.
Find Your UK Pension – From Wherever You Are
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 of you want just click the GREEN button)
Option 2 – Book a call back with one of our team:
Not ready to sign up? Want to understand the service we offer? No problem. Ask us anything—no pressure, no obligation, just straight answers. Book a FREE call back at time convienent to you! Just click the orange button below!
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.
ON average each pension we find is worth £16.500*
Let our expert pension tracing team find your pensions today!
*Latest Figure Based on Our current clients updated March 2026 –UK data show that £9.1k per pot is usual.
Expat Pension Tracing – Your Questions Answered
Can I trace a UK pension if I live abroad?
Yes. You can trace a UK pension from any country in the world. Your UK pension stays in the UK scheme you paid into regardless of where you now live, so it remains traceable and it remains yours. Pension Pie carries out the trace from within the UK on your behalf, so you don’t need to make UK phone calls or have a UK address.
Do I need a UK address to trace my pension?
No. You don’t need a current UK address. We trace using your National Insurance number, your UK employment history and any previous UK addresses you can remember. We deal with the pension providers directly, so correspondence comes to us, not to an old address you no longer hold.
I’ve lost my National Insurance number – can you still help?
A National Insurance number makes tracing far faster and more accurate, and we strongly recommend retrieving it. If you’ve lost it, you can recover it from HMRC. We’ll tell you exactly how as part of the process.
Can I access my UK pension while living overseas?
Tracing and accessing are two different things. We find your UK pensions and confirm what they’re worth – that’s our job. Whether and how you can draw or transfer that pension while living abroad depends on the rules in your country of residence and is a matter for regulated advice, which we don’t provide. We give you the verified picture so you can take that decision properly informed.
Does Brexit affect my UK pension if I live in the EU?
Your UK pension entitlement isn’t removed by Brexit – a pension you paid into is yours. What can change is how and where it’s paid, and the tax treatment in your country of residence. Tracing the pension is the essential first step; the rules around drawing it are a separate, advice-based question.
How long does tracing take from abroad?
Most UK pensions are traced within 2 to 6 weeks, and being overseas doesn’t slow this down, because we handle all UK-side contact ourselves. More complex cases – older schemes, closed employers, missing records – can take longer. We keep you updated throughout via our secure app.
How much does it cost, and can I pay from overseas?
A one-off fee of £249 covers a full trace of up to 5 UK pensions, with additional pensions at £40 each. You can pay from anywhere by card, PayPal, Klarna or bank transfer, and spread the cost across 3 instalments if you prefer.
What if you don’t find anything?
If our forensic team completes a full search and finds no UK pension scheme in your name, we refund your fee in full under our No-Stone-Unturned Guarantee (purchases from 1 May 2026, subject to qualifying conditions).
Do you give advice on transferring my pension abroad?
No. Pension Pie is a tracing service, not an advice firm. We find and confirm your UK pensions; we don’t advise on overseas transfers, QROPS, or tax. Where regulated advice is needed, we can introduce you to FCA-authorised advisers, but the decision is always yours.
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.