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Change your contributions
 Change your nomination
 Change investments
 Guides & forms
 Online Pension Planner
 Jargon buster
 Meet the Trustees

new to HBOS or thinking of joining?

Pensions: why bother?
Don't Take Our Word For It
Joining the Scheme
 Transferring In

existing members

How much should I save?
 Making contributions
 Investing for your future Approaching retirement? Leaving HBOS

 

what happens if...

I change jobs in HBOS
I change working hours
I go on maternity leave
 I go on career break
 I have a long term illness
 I leave HBOS
 more...

hot topics

Approaching retirement? Contact Bank of Scotland Annuity Services

Get a tax free lump sum
 Fund Fact Sheets
 Investment Assessment
 Transfer into the Scheme
 Approaching retirement?

quiz

Online pensions quiz! 

links

Other useful sites

 

Remote control device, with buttons pointing in different directionsHow the Scheme Works

An easy to follow explanation of how the Scheme works.

Woman and man sitting on a beach, looking out to sea.Benefits for Members

Benefits whilst working, at retirement and when a member dies.

Close up of numerous pound coins.Investing For Your Future

Find out your options for investing your individual retirement fund.

Graph from online Pension Planner showing value of pension.Online Pension Planner

See your potential retirement benefits in today's prices, with our easy online planner.

Financial graphs and charts.Financial Planning

Common sense steps on how to plan your financial future.