Help if you’re not eligible for a Pension Wise appointment
We can still help if you’re not eligible for Pension Wise. You can:
Get a free Pension Wise appointment
If you have a UK-based defined contribution pension, you can usually choose how and when to take your money – a Pension Wise appointment explains your options. Start online at any time or book to speak to one of our pension specialists. You can have more than one appointment if you’d like.
Online: start any time
An online Pension Wise appointment lets you:
- explore your pension options at your own pace
- start and stop at any time – you can save and return whenever you like.
You can ask our pension specialists questions using the webchat at any time. We’ll reply Monday to Friday between 9am and 5pm (UK time), except on bank holidays.
You can have an online appointment if you’re aged 50 to 74.
By phone: book a date and time
One of our pension specialists can explain your pension options over the phone. An appointment:
- lasts up to 60 minutes
- is available between 8am and 8pm, Monday to Friday.
When booking, let us know if any of our access adjustments will help make your appointment easier.
50 or over – book online or by phone
Call to book on:
- 0800 138 3944 or
- +44 20 3733 3495 if you’re outside the UK.
We’re open Monday to Friday, 9am to 5pm (UK time). Closed on bank holidays.
Under 50 or attending on behalf of someone else – call to book
If you’re under 50, you can get a Pension Wise appointment if:
- you're taking your pension early due to ill-health
- you’ve inherited someone else’s pension, or
- your scheme lets you take your pension before age 55.
If you’d like someone to have the appointment on your behalf, either one of you can call.
Call to book on:
- 0800 138 3944 or
- +44 20 3733 3495 if you’re outside the UK.
We’re open Monday to Friday, 9am to 5pm (UK time). Closed on bank holidays.
Face-to-face: book a date and time
Face-to-face appointments usually take place at your local Citizens Advice. There’s normally a longer wait time than for telephone appointments. We're currently taking bookings up to 27 February 2026.
When booking, let us know if any of our access adjustments will help make your appointment easier.
Call to book on:
- 0800 138 1585 or
- +44 20 3733 3495 if you’re outside the UK.
We’re open Monday to Friday, 9am to 5pm (UK time). Closed on bank holidays.
British Sign Language: request a video call or face-to-face meeting
You can book a Pension Wise appointment in British Sign Language. You can have a signed appointment:
- by video call or
- at your local Citizens Advice.