Transfer guide

Adviser guide to transfers

With Scottish Widows Platform, all transfers can be instructed digitally.

We use the Origo Transfer Service to process transfers for pensions, GIAs and ISAs – a digital service that enables platforms and pension providers to transfer, without the need for paperwork.

We help you work more efficiently by connecting to the back-office systems, our integration with Origo, and use of electronic client signatures, means we can deliver effective digital processes.

If you’re looking for information on our Asset Transfer Service and how it can help consolidate client assets onto Scottish Widows Platform visit our Asset Transfer Service page.

Transferring to Scottish Widows Platform

Tranferring to
Scottish Widows Platform

It’s essential the information you key onto the platform matches the information held by the ceding provider to ensure your transfer progresses as quickly as possible.

Please check the following are in the same format held by the ceding provider.

Client name
Date of Birth
Address
Account / policy number
National Insurance Number
Ceding provider name
Transfer type

This page shows how easy it is to transfer your clients to our Platform following the 4 steps listed below. You can also download a PDF version of this page.

Download PDF transfer guide

The ceding provider

On our platform there is a drop down to help you select the ceding provider details.

Some providers have various options – if you are unsure which is the correct part of the ceding provider to choose from this drop down, please refer to our Origo provider list.

This list will help you find the correct provider name, using the format of the policy number to find the name of the provider you are looking for.

You can then select the correct ceding provider option when keying the transfer expectation on our Platform – reducing potential delays.

For providers and platforms that don’t use Origo Transfer Service, the transfer process will be manual rather than digital.

This means we’ll need discharge forms from the ceding provider and in some instances signed Scottish Widows transfer paperwork. Where requested, please email us the ceding scheme discharge paperwork, signed by your client.

Transfers we don’t accept

Public Sector Schemes
Insistent Defined Benefit Schemes
Transfer in QROP

Complex transfers that cannot be conducted through Origo

Bereavement
Divorce
Defined Benefits
Bankruptcy

How to key a transfer expectation
in 4 easy steps

Large purple circular graphic with a number 1 in the centre

From the first screen on our Platform, select whether it’s a new or existing client, then follow the simple steps to key the transfer expectation.

Image of laptop with a Scottish Widows Platform screen displayed

The status of transfer expectations can be viewed via the Client management link on the left hand side.

To start a new business application you will need to select Create new account for a new client. To instruct a transfer for an existing client use the Existing account – new business tile.

Previously saved and unsubmitted items can be accessed via the Work in progress tile.

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Select the ceding provider name using the drop down menu if you are unsure which is the correct part of the ceding provider to choose from this drop down.

Select the ceding provider name using the drop down menu please refer to our Origo provider list.

Large purple circular graphic with a number 3 in the centre

Once you’ve selected the correct ceding provider details, then progress through the remaining steps to add all transfer details – including the type of pension, crystallisation, whether it is a cash or re-registration of assets. Then select ‘add transfer’ and ‘continue’.

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Continue to progress through the steps and simply select investments and adviser charging.

The transfer details are then summarised, and you have the option to print from this screen.

Types of transfers

For some transfers we’ll require additional information before we can process your expectation.

This list shows the specific information required for each type of transfer. Please provide the necessary information by email.

Please note, without the correct information, transfers may be delayed.

Transfer type	Information required	How to provide this
Defined Benefit Please note: If the transfer includes Guaranteed Minimum Pension please complete adviser declaration and email to us.	Adviser Declaration	Email
	Mixed Split*	Email
	Guaranteed Minimum Pension	Please see notes below***.
Additional Permitted Subscription (APS) Please note: Please complete Scottish Widows APS form and email to us.	Scottish Widows APS Request Form	Email
	APS Subscription details from the ISA Manager	Email
Pension Sharing Order Please note: Any PSO monies (qualifying and disqualifying) must be held in a separate account. A duplicate record would need to be created for the is client**. If the account has a mix of both credits, please email us the split.	Qualifying Credit	Email
	Disqualifying Credit	Email
	Decree Absolute	Email
	Pension Sharing Annex	Email
	Court Order	Email
	Signed Transfer Forms	Email
Beneficiary Drawdown Please note: All beneficiary monies must be held in a separate account. A duplicate record would need to be created for this client. Please email for support prior to submitting your transfer.	Date of Death	Email
	Deceased Date of Birth	Email
	Age the deceased died	Email
	Address of deceased if different from the beneficiary	Email
	Signed Transfer Forms	Email

* If there is a mix of Defined Benefit & Defined Contribution, please email us the split.
** Please contact us if you need support with this.
*** Guaranteed Minimum Pension: We can accept this onto the platform; however, this will be applied as a value, without any re-valuation that the previous scheme would have carried out. So, it’s important the client is aware they will lose this. If your client’s transfer contains Guaranteed Minimum Pensions, please complete our Safe Guarding Benefits form and email it to us at transferin@scottishwidowsplatform.com