Got a pension question? Our help is impartial and free to use. Get in touch online or over the phone on 0800 011 3797

Explore your pension options

If you have a UK based defined contribution (personal or workplace) pension you choose how to take your money.

Pension Wise logo

You can use this service to find out about:

  • the options for taking your pension money
  • how each option is taxed
  • next steps to take
  • questions to ask your provider.

How it works

  1. You’ll get a brief summary of the six options for taking a defined contribution pension.
  2. Select the ones you’re most interested in for more detailed information.
  3. You can then choose extra information, for example, how your pension is taxed.
  4. Print or download your summary.

Before you start

You need to have a UK based defined contribution pension (not a final salary or career average pension).

Not sure what pension type you have?

You can get help with the State Pension from the Pensions Service

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Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free,
impartial help for all your money and pension choices.
Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
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Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
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Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Talk to us live for money guidance using the telephone
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  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

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  • Sat8am - 3pm
  • Sun and bank holidaysClosed
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  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
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For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.