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Find and combine

Never lose track of your pensions
again, even if you change jobs.
Combine them into one new online
pension plan.

Get started now

With investments, your capital is at risk.

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What is FSCS?

FSCS protects customers when authorised financial services firms fail. You could be entitled to compensation of up to £85,000. FSCS protection does not cover a change in the value of your investments, however it covers you if the operations of our partners is affected.
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Why Raindrop? 

There’s nearly £20bn of unclaimed pensions in the UK and that number is growing rapidly. We’re here to change that. In fact, we’ve already found over £10 million in lost pensions. 

Our goal is to make sure you don’t lose track of those hard-earned pension contributions. So we designed a quick and easy-to-use, online pension consolidation service. One that works for you today, tomorrow and provides for you in your retirement.  

Let's talk details

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Always there for you

We find your pensions, so you don’t have to. You will be
assigned a dedicated pension assistant to help you
anytime you need.

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Access online 24x7

Our fully digital service means no chunky paperwork or
waiting on hold. Check your pension search progress and
balance anytime, anywhere.

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World class money managers

Our pensions are managed by either BlackRock® - the
largest investment manager in the world, or Legal &
General - the largest asset manager in the UK.

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Transparent fees

We do not charge for finding and combining your pensions. You
are charged one all-in fee to manage your combined pension
pot. Our fees page gives you all you need to know.

With investments, your capital is at risk.

How our pension find and
combine service works

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Your personal details

Enter your personal details to allow your old pension provider to verify your identity

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Details about your old pension

We use these details to find both workplace pensions and personal plans

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You are ready to go

Your dedicated pension assistant will reach out with regular updates

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We will bring your pensions together

Manage your new combined pension plan online and access our excellent customer service anytime you need

With investments, your capital is at risk.


Everything you need to know about Raindrop’s Pension finding and combining service

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Do I need to sign up for a Raindrop pension account in order to use your Pension Finder service?
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When you sign up for our Pension Finder service we will create a Raindrop account for you to track the progress of your requests. Once we find your first pension we will then open your Raindrop pension so that we can start bringing them all together in one place.


If I combine my pensions with Raindrop, will I have a new pension altogether?
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Yes. When we combine your pensions that we have found, we will create a new Raindrop pension. We’ll combine those old pensions into this one simple online plan which you can manage digitally 24x7.


Is there a maximum number of pensions Raindrop will look for?
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No, not at all. We’ll happily hunt for as many pensions as you want. As long as you can provide the basic information we require, we’ll do our very best to find all your old pensions.

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