Policy paper

Automatic pension transfers

This publication was published under the 2010 to 2015 Conservative and Liberal Democrat coalition government

This publication sets out proposals for a framework for the automatic transfer of people's pension pots when they change jobs.


The Pensions Act 2014 provides for a system where, broadly speaking, someone’s pension savings move with them when they move jobs.

The government has been working with a wide section of the pension industry to develop a model for implementing this system. This document sets out the work that has taken place to analyse the different implementation options and move towards a safe and efficient industry-led model. Where possible, we have given specific detail about the technical aspects of the model.

The paper also sets the government’s intention for a phased implementation.

This publication updates proposals in Automatic transfers: consolidating pension savings, published on 10 May 2013.