As a deferred member, you have the option to transfer the full value of your pension account to another pension arrangement, subject to the rules of that arrangement and any legislative requirements. This can be a registered stakeholder or personal pension plan or your new employer’s pension scheme.

If you want to transfer your pension account to another arrangement, we strongly recommend that you first speak to an independent financial adviser. You can find one in your area on this website:

Please be aware that there are scammers out there who will try and con you out of your pension savings. You could potentially lose all of your pension savings and also face a huge tax bill from HMRC.

Before you make a decision to transfer your account out of the DC Plan, make sure you are transferring the money to a bona-fide arrangement. Visit to find out how to spot a scam.

If you decide you do want to transfer your account to another pension arrangement, you will need to contact the Plan administrator, Mercer, to request a Transfer Out Form.

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