Find Old Pension

Finding an old pension you have lost track of can be difficult. This is especially true if your old employer has shut down and is no longer contactable. 


It is estimated that there are over 500 million in unclaimed pension funds in Ireland. If you do have an old fund it is important to locate it.

Our free find a pension tool will help you to track down your old pension. You will find the free tool below. 

Our Broker Partners Work With
Irish Life
New Ireland
Royal London

Finding An Old Pension

Finding an old pension can be tricky. We have created the find a pension tool to guide you through the steps you might want to take for your particular pension type. 

As the steps you take will differ depending on your situation for example has your previous employer shut down etc. , the tool is interactive and will provide suggestions based on your responses. 

Accessing Employer Pension Early

Find out more about the rules which apply to accessing employers pension schemes early from

Accessing a Defined Benefit Pension Early

Find out more about accessing a defined benefit pension early. Get hints and tips on what to look out for to ensure you get a fair deal.

Section 1:

How To Find An Old Pension

Find My Lost Pension

Getting Started

There are a number of steps you can take to try and track down an old pension. Even if the company has shut down, you should still be able to locate the pension. 

Once found you will have a number of options open to you depending on your age. 

Let’s take a look at where you should start.

If you can locate some old pension paperwork, you should be able to locate a pension provider on these documents. 

If you find a pension provider, give them a call and ask do they currently hold your pension.

If they don't currently hold your pension as the scheme was transferred, the provider should be able to tell you what company the pension scheme was transferred to. 

If the company you held your pension with is still operating you should contact their HR department. 

In many cases the HR department will be able to provide you with the name of the pension provider managing your scheme. 

Once you know the pension provider simply contact them and ask if they hold your pension fund. 

Okay so this method will only work if you are still in contact with some of your old work colleagues. 

It is likely that if your work colleagues held a pension too, your pension provider will be the same as theirs.

You could call them to see if they remember who the pension provider was. 

If you have lost touch with old work colleagues, you can use our free pension tracing service to easily locate your pension.

Free Pension Tracing Service

You may be eligible for our free pension tracing service. This free service is offered by our broker partners with no obligation. Many people who decide to track down an old pension often want to make a change such as accessing the pension or optimising its performance.

Step 1: Check if I'm Eligible
You can check if your eligible for a free early pension access review by using our find a pension tool.

If eligible you will be given the option to request the free pension tracing service
Step 2: Complete Form
We will connect you with a pension advisor to track down your lost pension.

Your advisor will ask you to sign a form online giving them permission to contact each pension provider on your behalf to track down your funds.
Step 3: Receive Your Options
Your advisor will provide you with your pension providers details once found. They will also provide you with a list of options in relation to the fund.

They will explain each option in detail.
Step 4: Decide
You review each option and decide whether or not one of them is suitable.

If proceeding your advisor will process your request for you. If not, your advisor will simply close the request.

Section 2:

FAQ's - Find My Lost Pension

Your pension advisor will normally be able to track your pension details with just your name, address and contact details.


If you have more information it can be helpful. Providing additional information such as the years you worked there etc. will usually reduce the time it takes to locate your fund but its not essential. 

Your pension will still be held by your pension provider even if the company your built your pension with has closed.


It can make it a little more difficult to locate your pension but it is still possible

Sometimes you might be unsure if you have a pension and it some cases it can put you off trying to find it.


It is estimated that there is over 500 million in unclaimed pension funds in Ireland. If some of these funds are yours its well worth finding out. 


The worst thing that can happen is your advisor comes back to you and lets you know they were unable to find anything. The service is free so its always makes sense to check.


There have been instances where advisors have called clients who have been completely shocked when they find out just how much their fund has grown especially when they were unsure if they had a pension in the first place. 

Depending on your age you will have a few options open to you once you find your pension. These options include leaving your pension where it is, transferring your pension or accessing some or all of your pension.


Your advisor will provide you with a list of your options for free. If you have a particular option in mind let your advisor know.

If your advisor does locate your pension they will provide you with a list of options. 


In some cases there will be a cost associated with an option for example if you wish to access your full pension.


In other cases if you decide to move your pension to a better performing fund your advisor would receive a commission from the investment company such as Aviva, Zurich, Irish Life etc.


However it is important to note that you are not obliged to proceed with any of the options provided. You can simply use the free service to find your pension. You don’t have to proceed with any of the  options presented to you.


Simply let your advisor know you don’t want to go with any of the options and they will close off your case straight away. They will of course provide you with your pension providers details so you have them going forward. 

Your advisor will ask you to complete a one-page form with your name, address and contact details. This form can be completed online in under 30 seconds. 

This is the only paperwork you need to complete for our free pension tracing service. 

It can take anywhere from 3 weeks to 6 months to locate a pension. The more complex your case is the longer it will take your advisor to find it. 

Your advisor will work to find your pension as quickly as possible for you.


If your advisor can’t find a pension for example in cases where you did not have a pension your advisor will give you a call and let you know.

Your advisor will close your free pension tracing request. The service is 100% free with no obligation so you do not need to worry about being charged.