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Pension App, Riverside, Mountbatten Way, Congleton (2026)

13/12/2025

Do you think you may have a Scottish Widows pension you have lost track of?

It is more common than people realise. Changing jobs means new workplace pensions, and over the years many become forgotten. Scottish Widows is one of the major pension providers in the UK, so if you have worked for multiple employers there is a chance you could have a pension with them.

If you want to track one down, there are a few simple places to start. Old emails or letters may include statements or policy information, so checking your inbox and any paperwork at home can be helpful. You can also speak to a previous employer to confirm whether they used Scottish Widows at the time you worked for them.

If you prefer not to contact providers yourself, Pension App can take care of the process for you. Once you add your past employment details, our Transfer Specialists begin tracing your pensions, including Scottish Widows. You can track updates in your account and receive clear communication at each stage.

Just head to www.pensionapp.com/getstarted to start your pension tracing journey with us today.

Scottish Widows transfers sometimes take longer than other providers due to additional verification steps, but Pension App manages this for you and keeps you updated so you always know what is happening.

If you think you may have a Scottish Widows pension and want to bring everything into one place, Pension App can help make the process easier, clearer and more organised.

With pensions your capital is at risk.

12/12/2025

Yesterday, we came together to celebrate Christmas Jumper Day and support an incredible cause.

Thanks to everyone’s generosity, we raised a fantastic £2053 for Save the Children.

From festive jumpers to kind donations, every contribution helped make a real difference. It was a great reminder of what can be achieved when people come together for something meaningful.

Thank you to everyone who took part and supported the day.

10/12/2025

One of the most powerful features of Pension App is the ability to see your pension value with daily updates. When your pensions are combined into a Pension App pension, you can view everything in one place and track the total value every day.

Many people have several pensions from old jobs. Pension App helps trace and combine them, giving you one clear view of your savings and how they are performing.
Once combined, your pension is invested in one of four BlackRock MyMap funds:

• MyMap 3 Ultra Cautious
• MyMap 4 Cautious
• MyMap 5 Balanced
• MyMap 6 Adventurous

You can switch between funds at any time through your account.

Our fees are simple and transparent. Pension App charges a 0.6% transfer fee and an 0.82% annual management charge. No hidden extras.

Daily updates, clear investment options and transparent fees mean you always know where you stand with your pension.

With Pension App everything is visible, simple and easy to track. One place, one view, updated daily.

With pensions your capital is at risk.

08/12/2025

At Pension App, our Transfer Specialists help customers bring their pensions into one clear place. We spoke with James to learn more about his role, his journey and why he enjoys helping people feel informed and confident about their pension savings.

James began his career as a primary school teacher before moving into account management, roles that strengthened his communication, patience and relationship skills. Retraining into financial services led him to Pension App, where those strengths now support customers throughout the transfer process.

A typical day involves monitoring transfer progress, speaking with pension providers and keeping customers updated on what has been found and where things stand. The transfers team may not be the ones locating pensions directly, but they are the bridge between the process and the person, turning complex progress into clear updates.

For James, the most rewarding moments are when he can confirm a pension for a customer, especially when it is one they had forgotten about. That clarity and reassurance is what makes the work meaningful.

What many people do not see is the level of behind the scenes work. Provider responses, admin checks and staged processing all take time. Customers see progress in updates, but each notification represents dedicated work in the background to move things forward.

Pension App brings together technology and real people. Customers can view their pensions in one place, track transfer stages and still have a human team supporting them with clarity every step of the way.

Outside of work, James enjoys non-league football, great coffee, live music and learning languages. He is fluent in Spanish and also speaks German and Portuguese, helping him connect with people from many different backgrounds.

For James and the transfers team, the job is not just admin. It is communication that brings clarity to people managing the savings they have built over a lifetime.

With pensions your capital is at risk.

06/12/2025

How to find a Nest pension

Many people have a Nest pension without realising. Automatic enrolment means a previous employer may have set one up for you, even if you only worked there for a short time.

If you think you may have a Nest pension, here are the easiest ways to check:

🔹Look through old emails and letters for updates from Nest, including your Nest ID
🔹 Ask a previous employer which pension provider they used at the time
🔹 Contact Nest directly to confirm if they hold a pension in your name

Nest contact details 👇
Member enquiries phone: 0300 020 0090
Website: https://ow.ly/Gfqq50XBolT
Email: [email protected]

Pension App can trace old Nest pensions for you. Enter your basic details and list your previous employers, and we will contact the providers, including Nest, and update you in your app with no paperwork.

Tracing an old Nest pension helps you understand what you have and brings everything together in one secure place.

With pensions your capital is at risk.

04/12/2025

🎄Just one week until Christmas Jumper Day!

On 11th December, our team will be taking part in Christmas Jumper Day in support of Save the Children. It is an opportunity for us to come together, add some festive spirit to the office, and raise money for a charity that provides vital support to children around the world.

We are proud to be involved and look forward to contributing to an important cause during the festive season.

03/12/2025

New Budget Update: What You Need To Know

The Chancellor has announced a wide range of tax and spending changes in the new Budget. Most headline tax rates stay the same, but frozen thresholds and adjustments to savings, wages and investment income mean many people will see gradual changes over time.

One of the most important updates for pension savers is the change to salary sacrifice.

Pensions: salary sacrifice perk capped 👇

From April 2029, National Insurance will be charged on any pension contribution made through salary sacrifice above 2000 pounds a year.

This means:
🔹The first 2000 pounds a year paid into a pension through salary sacrifice will still receive the NI saving
🔹 Anything above that will be treated like normal pay for NI purposes
🔹The perk becomes smaller for people making larger pension contributions
Who this affects
🔹 Employees who contribute more than 2000 pounds a year through salary sacrifice, often higher earners or those making extra contributions
🔹 Employers who use salary sacrifice arrangements as part of their benefits package

For most everyday pension savers making modest contributions, the impact will be limited. For heavier contributors and corporate schemes, it is a significant change to plan for.

With pensions your capital is at risk.

30/11/2025

Many people lose track of a Standard Life pension after changing jobs or moving home. The good news is that there are several simple ways to trace one.

🔹 Check your emails and any old paperwork for a Standard Life statement. These usually include your plan number and pension details.

🔹 Speak to your old employer if you had a workplace pension. They can confirm which provider they used and Standard Life is a common choice for past schemes.

🔹You can also contact Standard Life directly. They will confirm if they hold a pension in your name. As of 20th November the average wait time on the phone was around nine minutes.

They can be contacted on 0800 634 7476 or [email protected]

🔹Pension App can also trace a Standard Life pension for you. Add your details and your past employers and we contact the providers on your behalf. Your confirmed pensions then appear in your app.

If you think you may have had a Standard Life pension, tracing it can bring all your information together in one place and help you understand what you have.

With pensions your capital is at risk.

28/11/2025

What is the FSCS and how does it protect your pension?

The Financial Services Compensation Scheme is the UKs independent protection service for customers of financial firms. If a regulated provider goes out of business and cannot meet its obligations, the FSCS can step in to protect your money.

For pensions, this usually means:
• If your pension provider fails, the FSCS can typically protect one hundred percent of your pension with a limit of up to £85,000..
• If an investment firm that managed part of your pension collapses, you may also be covered depending on the circumstances.
• You do not need to apply for protection as it happens automatically if the FSCS decides you are eligible.

At Pension App we only work with regulated providers and the FSCS is an important safeguard for customers who want reassurance about what would happen if a firm failed.

With pensions your capital is at risk.

25/11/2025

At Pension App we want everything to be clear and easy to understand. That is why we created the Literature section on our website. It brings all the key documents about your pension together in one place.

You will find our Terms and Conditions, Privacy Policy, provider documents, Key Features, Fees Guide and Scheme Information. You can also view Fund Factsheets for the four BlackRock MyMap funds and the declarations needed for pension transfers.

To get there, scroll to the bottom of our website and look for the Literature heading. Choose the document you need and it will open straight away.

Having everything in one place makes it easier to understand how your pension works, how your information is used and what options are available to you. It is all part of our commitment to being open and clear.

You can find our literature section here: https://pensionapp.com/literature/

With pensions your capital is at risk.

21/11/2025

Did you know there are an estimated 3.3 million lost pension pots in the UK, worth around £31 billion?

It happens more easily than you’d think. People change jobs an average of seven times in their lifetime, and with each role often comes a new workplace pension. Over time, it’s easy to lose track of them.

That’s where Pension App helps.

Our Case Handlers trace your old workplace pensions, our Transfer Specialists manage the transfer process, and you can view everything together in one secure online account.

It’s about making pensions simpler, clearer, and easier to manage, so you always know where your savings are and what they’re worth.

Find out how easy it is to bring your pensions together at pensionapp.com

With pensions, your capital is at risk.

07/11/2025

Live Chat Support: Quick Help, Real People and Instant Answers

At Pension App, we know that questions can arise at any point in your pension journey, and when they do, you shouldn’t have to wait days for an answer. That’s why we’ve made it easy to reach our team directly through Live Chat, offering fast, friendly support whenever you need it.

Where to find it 🔎

You can access the Live Chat service through the Contact Us section on the Pension App website. Simply click the chat icon, type your message, and one of our knowledgeable team members will be on hand to help.

Why customers love Live Chat 💙

Our customers tell us that what makes Live Chat so helpful is its simplicity. Whether you want to ask about the status of a transfer, need help logging into your account, or just have a general question, you’ll always get a human response, not an automated one.

What makes it different 👍

Our Live Chat isn’t just a support feature. It reflects our wider mission to make pension management accessible, clear, and stress free. Each chat is handled by a trained member of our UK-based team who understands the Pension App process and can provide information quickly and accurately.

Your pension, your pace 🫵

We know life is busy. With Live Chat, you can get in touch without having to call or email, so you can stay in control of your pensions in a way that suits you.

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