• Can I consolidate all my other pension pots into Collegia? How?

  Yes you can! You would just need to get the name of the old pension provider(s) and their associated policy number(s). Once you have this information please get in touch with us and we will be able to start the process. Although transferring a pension to Collegia doesn't have any additional fees from us, you'll need to double-check with your old provider whether they have any exit fees or not. Also, if you've moved home, changed your name, or perhaps your date of birth or national insurance numFew readers

• How can I transfer my Collegia pension to another provider?

  Please let us know the reasons why you want to transfer to another pension provider, we always strive to improve the products and services provided here at Collegia. Collegia is among the best pension schemes in the UK (5 stars on Defaqto and 4.8 stars on Trustpilot) and has the most competitive fees in the marketplace. If you still wish to transfer out, please find below the link to the transfer out form. The discharge form has to be filled out both from you (Sections A-D) and from the receivinFew readers

• How can I find my old pension pots?

  So to find existing pensions from previous employment, the magic key is to find the name of the pension provider and your policy reference number (which should be a string of numbers and letters). There are a number of ways to find your old provider(s) and the policy number: Call the previous company and find out who the pension provider was whilst you were working there, or search through any correspondence you may have received about your previous pensions Use the government's free pensioFew readers

• How long does it take to transfer my Collegia pension to a new provider?

  Usually, a transfer out of Collegia to your new provider can take about 1/2 months to be processed. However, if you’ve recently contributed to your Collegia pot and are awaiting tax relief to be allocated, the transfer-out process can take up to three months. This is because we won’t be able to process your transfer out of Collegia until all contributions, including tax relief, have been added to your account. Please keep in mind these are the expected timeframes, as there can sometimes be delayFew readers

• Can I transfer my Collegia pot to an overseas provider?

  Absolutely! You can transfer your pension to a Qualified Recognised Overseas Pension Scheme (QROPS). You can check the list of schemes approved by HMRC here to ensure your chosen scheme is eligible at https://www.gov.uk/guidance/check-the-recognised-overseas-pension-schemes-notification-list To get started with the transfer, let your provider know as they’ll need to contact Collegia directly. Please keep in mind that it's your responsibility to make sure that any overseas pension transfer does nFew readers

• Why do you ask for additional details about the new provider when transferring my pension out of Collegia?

  For certain transfers, we must ask a series of questions to make sure that the transfer out is not a scam or not in your best interests. This might be because the fees charged by your new provider are excessively high or they invest in very risky assets that may put your pension pot in peril. We understand that delays in the transfer process can be frustrating. But, we try to make it as painless as possible (and avoid it where we can). At the end of the day, we must comply with the law that seekFew readers

• Are there any transfer in fees if I transfer my old pension to Collegia?

  No! Collegia offers a completely free transfer service. You may want to double check with the provider you are transferring out of, however, as there may be exit fees on their behalf.Few readers

• Do you have any transfer out or exit fees?

  No! There are no fees at Collegia for transferring over to another provider and closing your account with us. You may want to double-check with your new provider to see if they have any charges for transferring over from Collegia to them.Few readers

• Can I transfer a Defined Benefit pension to Collegia?

  Unfortunately we can't currently transfer a defined benefit pension over to Collegia. This is because a Defined Benefit pension has special benefits for when you retire (for example, they may pay you your average salary for the time that you were employed and contributing to that pension). Defined Benefit pensions are really valuable, and are specially protected by the government as they're quite rare nowadays. We wouldn't want you to lose your benefits by transferring this over to us! The onlyFew readers

• How long does a transfer take?

  There is no set in stone rule with how long it takes another provider to transfer over the pension funds to Collegia. Providers who process transfers online are typically much faster than providers that use email communication. However, on average it takes around 2-4 months for the pension to be transferred, assuming that there are no complications involved (ie. policy number not matching). We will provide updates from the pension provider though if there is something that needs your attention,Few readers

• Do I need a financial advisor to approve my transfer over to Collegia?

  Some pension providers might require you to enlist the help of a financial advisor to progress your transfer over to Collegia. You should check your terms or conditions or ask your pension provider for more details if they have such a requirement. FCA rules state that before you can transfer a defined benefit pension (or other pension with safeguarded benefits) worth more than £30,000, you must get financial advice. Collegia does not accept transfers of defined benefit or pensions with safeguardFew readers

• What happens to my Collegia account after transferring my pot to my new pension provider?

  If you request a full transfer - meaning the total value of your pot - your Collegia account will be closed once the transfer is completed.Few readers

• Can I partially transfer my Collegia pension pot to another provider?

  Yes, we allow partial transfers but you would have to keep a minimum of £250 in your Collegia account.Few readers

• Do you accept transfers from non-UK providers?

  Yes! We can accept transfers from providers on the QROPS (Qualifying Recognised Overseas Schemes) list the government provides. Before raising a transfer request, double-check whether your provider is listed there.Few readers