In specie Transfer in guide – Uncrystallised Accounts

In this guide, you'll get a step-by-step guide on how to complete a transfer in for a pre-retirement (uncrystallised) account on the Aviva Platform.

Published: 22 Apr 2025

Step 1 – access the customer's portfolio

Enter the customer's account reference and search
On the summary page, access the customer's Pension account

Step 2 – fill in the transfer in details

Once on the client's account, click 'one-off payment transfer'
Confirm the customer has had financial advice. Select 'Yes' to continue
Confirm if the customer is subject to reduced money purchase allowance (MPAA). If Yes, then complete sections that follow from the dropdown options: Date that their MPPA was reduced and Reason Why
Confirm if any single payments are to be applied. If 'Yes', input the amount and select the payment method
Confirm if they are employed, self-employed, retired or not in work. Complete the extra information in the boxes provided
Add the single payments initial advice charge. Advice charge can be percentage or monetary and is taken from the policy, not the payment

If you're adding multiple transfers and choose a percentage amount, this will be taken off each transfer as they are applied following completion.

A monetary amount is taken from the first transfer keyed, please note the summary will show this as being across the total value of the transfers applied.

Step 3 - Key on the Transfers

Confirm what transfers are to be applied. You must fill in the client's employment status again
Fill in the ceding schemes details. Most ceding schemes can be searched in the ceding scheme field, if not available a scheme can be manually added
Add the account number

Step 4 – is this a transfer of cash or re-registration of assets?

Re-registration of assets

Select Re-register assets
Select if this is a full or partial transfer
Input how much cash is being transferred

Cash

If you wish to select a cash tansfer follow the Pre-Retirement (Uncrystallissed) Cash transfer In Guide

Step 5 – select which assets are being transferred

If using Quick Add:

Results matching the asset name or code will automatically appear in a drop-down list
When you find the investment you want to add to the transfer application, click the fund name in the drop-down and then Add

If using Detailed Search:

Click Search to right of where the fund name or code was entered
You can also filter the results using the fund manager, sector, or fund type drop-down list options
When you find the investment you want to add to the transfer application, click the tick box next to the name

Once all assets have been added continue to next page.

Step 6 – confirm the transfer details

Check all the details are correct
Complete the Client Declaration at the bottom of the page
Once all the above has been completed, click on Submit Application

If manual paperwork is required

Send the ceding scheme paperwork and any other documents to the receiving scheme
Upload everything sent to the client
We’ll complete the receiving scheme warranty and send it to the receiving scheme

Once submitted please allow sufficient time for the funds to re-register. Once picked up by the inspecie team the transfer will take 6-8 weeks.