Railways Pension Change of Address

Everything You Need to Complete Your Railways Pension Change of Address

Railways Pension Moving House

Railways Pension Moving House

Railways Pension Moving House​

When moving home it is best to update your address across your pension providers (and all other accounts). 

We’ll cover how to complete your Railways pension change of address online in just a few minutes.

If you’re moving home you need to let your pension provider(s) know about your change of address. If your Railways Pension is registered to your previous address you will miss out on potentially important information.

Since you’re moving home, you’ll also need to update your address across other essential institutions and companies (HMRC, Council, NS&I, Energy etc…) at the same time.

For a quick, safe and hassle-free way of updating your address across your pension providers (and tell other companies) that you’re moving you can use our online change of address service.

Let’s jump straight in to completing your Railways staff pension change of address.

Tell everyone that you’re changing address in minutes. 

At the click of a button we’ll update your address with your Railways Pension and across any other all accounts, at the same time in one place. You can also update your address with other pension providers, water, electoral roll, HMRC, councils  and others that you are moving home. You can do this yourself manually if you prefer (see below) or use our hassle-busting service to save hours of time.

Address change


Update your address

Select who needs to know you're moving - Railways Pension, HMRC, Electoral Roll etc..

changing address online


About you

Enter your previous address, new address and the date you moved home

updating your address with slothmove



Click submit and we'll update your address with accounts automatically

Our sloths will save you the time and hassle of organising all of the updates by taking care of everything in one place 🦥

Once you click submit we’ll update the address on your Railways Pension as well as any other institutions or companies you selected. You won’t need to do anything further, so you can kick-back, relax and spend your time doing something else.

If you’d prefer to update Railways yourself manually, you can call RPMI (British Rail Pension scheme) on 0800 ​012 1117

How To Update The Address On Your Railways Pension Scheme

Whether you currently draw your pension or not, it’s important to update your Railways Pension (along with any others such as BarclaysUSS etc…) when you’re moving home.

Having the most up-to-date address across your pension accounts means you won’t miss any important updates by mail, nor will they go to a third party.

Here’s how to complete a quick and simple Railways Pension home move and other address changes:

  • Head over to SlothMove’s moving home platform
  • Select who needs to know you’re moving (Railways Pension, HMRC, electoral roll etc…)
  • Tell us about your move (previous address, date of move etc…)
  • Click complete and we’ll update your addresses automatically

You can also update your address with RPMI by phone (0800 ​012 1117).

If you’re using SlothMove you will also be able to select other pension providers and update them at the same time.

To complete the Railways Pension moving house process you’ll need to provide:

  • National Insurance number
  • Pension reference number
  • Date of birth
  • Full name
  • Full address

Can I cash in my Railways pension?

Can I cash in my Railways pension?​

You can cash in your railways pension from the pensionable age (66). You can take money before you reach your retirement age however, according to the Railways Pension Scheme (RPS):

  • your benefits will be reduced if you’re under your normal retirement age
  • you won’t be covered for the death-in-service lump sum; and
  • you’ll no longer be eligible for ill-health benefits

When can I take my Railways Pension?

You can take your Railways pension from the state pension age. You can take money earlier, but it is subject to a few drawbacks such as a reduction in benefits, not being covered for death-in-service lump sum or ill-health benefits.

Most people have more than one pension at the point of retirement and each pension provider has different policies around when and how you can draw down your pension.

You final pension amount is calculated from your pensionable service at date of retirement and your pensionable salary.

How do I transfer my Railways Pension?

Now we’ve covered how to complete a change of address for your Railways pension, let’s look at how you transfer other providers into one place.

Most people reach end up with pensions across multiple providers. It can be easier to transfer all pensions into one place. This helps you to keep track of where everything is, save money on fees and make it simpler to manage.

So, how do you transfer your Railways Pension?

To transfer your Railways Pension you will need the following 4 pieces of information:

  1. Your current pension provider’s name (and the policy numbers)
  2. The scheme name of the pension you’d like to transfer
  3. Your National Insurance number
  4. Know how you’d like to invest your pension.

You would then submit an application and Railways would process that. if you’d like to take your pension from Railways to another provider then you would first need to choose where you’d like your pension to be managed. Then, follow that specific providers process.

Railways Pension Moving house & Beyond

We’ve covered everything you need to complete the Railways Pension moving home process  🎉 

We’ve discussed how to update the registered address on your Railways Pension, as well as how to transfer-in other providers. We’ve also covered some insight on when you can draw down your pension. Now we’ve covered how to change your address, feel free to explore SlothMove.