How to find a People’s Pension

How to find a People’s Pension

How to find a People’s Pension

If an employer enrolled you into The People’s Pension, the pot remains yours after you leave that job. It can become easy to overlook when you change employer, move house or stop using an old email account. The provider’s online account is the simplest place to begin, and your National Insurance number plus customer number can help reconnect you. If either detail is missing, there are still several ways to continue the search.

What is a “lost pension”?

A pension is considered lost when you no longer know how to access it or the provider no longer has your current contact information. The pot remains associated with your account and may stay invested, which means its value can rise or fall. Tracing it lets you update your details, review contributions and include the pension in your retirement planning.

Reasons to Trace Your People’s Pension

You might want to trace your pension if:

  • A previous employer used The People’s Pension for automatic enrolment.

  • You no longer have the customer number from your joining letter or email.

  • Your address, mobile number or personal email has changed.

  • You want to see all of your pension pots clearly.

Steps to Find Your People’s Pension

  1. Set up or access your online account

    Start at The People’s Pension online account page. To set up access, you will normally need your National Insurance number and customer number, along with a personal email address and mobile number. The customer number is shown on letters and emails from the provider. If you already registered but cannot log in, use the recovery options rather than creating a second account.

    The People's Pension online account setup page listing the details needed to register


  2. Follow the provider’s login help

    If you have forgotten your details, read the official online-account help page. It explains the login route and where to get further help. When contacting the provider, be ready with your full name, date of birth, National Insurance number, current and previous addresses, employer name and approximate dates of employment. Use only contact information reached from the official website.


  3. Look for your customer number and employer details

    Search old emails and letters for “The People’s Pension”, “People’s Partnership” and “customer number”. Joining information and annual statements are especially useful. Old payslips may show pension deductions and confirm which employer enrolled you. If the provider cannot immediately find the account, ask that employer’s HR or payroll team to confirm the scheme and your membership dates.


  4. Use the Pension Tracing Service if the provider is uncertain

    If you remember the employer but are not completely sure it used The People’s Pension, try the government’s free Pension Tracing Service. It returns scheme contact details, not confirmation of an individual account or its value. You must contact the scheme to complete the search. MoneyHelper also provides a broader lost-pension guide.


  5. Consider a financial adviser for a wider review

    An independent financial adviser can help locate and review several pensions, particularly where employment records are complicated. They will usually charge for their time and advice, so ask for a clear explanation of the service and its cost before agreeing.


  6. Use Penny (or a similar tracing service)

    Penny can help search for workplace pensions from your employment history and personal details. This can be useful if you have more than one former employer or cannot remember which pension provider each one chose. Any potential match may still need to be verified by the provider before you can access the pot.

Ready to Find Your People’s Pension?

Begin by looking for your customer number, then try the official online account route. If the number is missing, collect your National Insurance number, old addresses and employment dates before asking for help. Those details give The People’s Pension—or a tracing service—the best chance of matching you with the correct account without unnecessary delays.

Penny can help

Download the Penny Pension app

Find your old workplace pensions

Manage your pensions in one app

SOME IMPORTANT THINGS YOU SHOULD KNOW
Pensions are long terms investments. It’s important that you know the value of your investment could go up as well as down. You could get back less than you put in. Past performance is not necessarily a guide to the future and pension investing is not intended to be a short-term option. Penny does not provide financial advice so please be sure that this investment is right for you.

Your current pension might have special benefits that will be lost if you transfer to Penny. These special benefits include: Guaranteed Annuity Rate (GAR), Guaranteed Bonus Rate (GBR), Guaranteed Minimum Pension (GMP) and Protected Tax Free Cash (PFTC) over 25%. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

Your current provider might charge you a transfer-fee to transfer your pension to Penny. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

You should consider the charges and benefits before transferring your old pensions to your new plan, and consider whether the risk and reward profile of the investments offered matches your needs. It may be that your current provider has lower fees than Penny - where this is the case, we recommend that you carefully consider whether to transfer your pension to Penny, as you may be better off not transferring in these cases.

If you are in any doubt about proceeding you should contact a financial adviser.
© Copyright 2026 Penny Technology Limited. Company registration: 11999643. FCA Reference Number: 931299.
SOME IMPORTANT THINGS YOU SHOULD KNOW
Pensions are long terms investments. It’s important that you know the value of your investment could go up as well as down. You could get back less than you put in. Past performance is not necessarily a guide to the future and pension investing is not intended to be a short-term option. Penny does not provide financial advice so please be sure that this investment is right for you.

Your current pension might have special benefits that will be lost if you transfer to Penny. These special benefits include: Guaranteed Annuity Rate (GAR), Guaranteed Bonus Rate (GBR), Guaranteed Minimum Pension (GMP) and Protected Tax Free Cash (PFTC) over 25%. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

Your current provider might charge you a transfer-fee to transfer your pension to Penny. If this is the case, we will not transfer your pension, as you may be better off not transferring in these cases.

You should consider the charges and benefits before transferring your old pensions to your new plan, and consider whether the risk and reward profile of the investments offered matches your needs. It may be that your current provider has lower fees than Penny - where this is the case, we recommend that you carefully consider whether to transfer your pension to Penny, as you may be better off not transferring in these cases.

If you are in any doubt about proceeding you should contact a financial adviser.
© Copyright 2025 Penny Technology Limited. Company registration: 11999643. FCA Reference Number: 931299.