Find lost SERPS pensions

Were you contracted out of the State Earnings-Related Pension Scheme (SERPS) into a private pension? Would you like help to locate these lost pots? We specialise in helping you retrace your financial footprints and finding the money you might have forgotten about or lost completely.

Why Profile Pensions?

Easy SERPS check

We’ll just need your National Insurance number (NI number) and basic details to contact HMRC on your behalf and find out if you have a SERPS pension. Our HMRC SERPS check is free with no obligation.

Find, check & transfer

If HMRC find a potential SERPS pension, we’ll do all the hard work for you. We find the policy details, check for any guarantees or penalties, and then complete the transfer into your recommended pension plan. (One-off 1% arrangement fee applies)

A dedicated Pension Adviser

As soon as you sign up, you get your own pension expert - on hand to answer questions you have about SERPS or any of your other pensions.

Understanding SERPS

SERPS, short for the State Earnings-Related Pension Scheme, was a big part of UK pensions from 1978 to 2002. If you worked and paid into a pension during this period, you may have decided to contract out of SERPS. This meant redirecting your National Insurance contributions into private pension plans. While this had some benefits, it also made it challenging for many people to keep track of their retirement savings.

It’s worth doing a SERPS trace to see if you are one of the many people who have lost track of the private SERPS pension scheme they had in the 80s or 90s. We offer a SERPS tracing service that will contact HMRC on your behalf and find out if you have a lost SERPS pension. We’ll do all the hard work - if we find a SERPS pension we’ll then do a Find, check & transfer* to move your old pension into a new, flexible pension plan that works for you.

*One-off 1% fee, taken from your pension when you transfer. More details here.


The estimated value of lost pensions in the UK [1]


The average value of SERPS pensions that we find [2]


The value of missing pension funds we’ve found for our customers [2]

[1] Association of British Insurers, October 2022

[2] Based on over 6,500 policies we’ve located since January 2017

How our SERPS tracing service works


Getting started

Complete our easy online questionnaire, sharing a few personal details with us. This will help us understand your pension priorities better, create your new personalised pension plan and allow us to contact HMRC about missing SERPS pensions.




Find, check & transfer


Increase your income in retirement

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Reclaim your SERPS pension today

Don't let your hard-earned pension savings remain lost. Take the first step toward securing your retirement income by using our SERPS Tracing Service. Sign up and complete our online form now to get started.

We can track down your SERPS pension

How do I know if I had a SERPS pension?
Will I get full State Pension if I contracted out of SERPS?
What does SERPS pension mean?
Was opting out of SERPS a good idea?
Why would you opt out of SERPS?
Was I wrongly advised to opt out of SERPS?
Where did my money go when I opted out of SERPS?
Is SERPS the same as contracted out?