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You can view the details of your pension by using your online portal.

The portal is easy to use, safe, and secure. You can update your personal details instantly online.

In order to register to the portal, you'll need the following personal information:

N.I number

Date of birth,

Unique ID

To register, simply visit mysantanderpension.co.uk

Select the portal button on the homepage.

On the login page, you'll need to select the 'First Time User?' button. Complete your details, and select 'submit'. Choose a username and input a password that you'll remember. It will tell you if your password isn't secure enough and what to do to increase the security.

You'll need to include your email address - we recommend it's not work-related - as we'll keep in touch with you via email in the future. You can add your mobile phone number, and remember to select 'yes' if you'd like to receive communications electronically via email.

Check all of your details are correct, and select 'Submit'.

You're now registered on the portal! Why not take some time to view your pension information, and check that your personal details are up-to-date?

For any support, contact the Scheme Administrator.

You can update your home address instantly on the portal. If you've recently moved home, we need to know your new address so that we can keep in contact with you.

On your dashboard, scroll down to the Personal Details tab, and select the arrow in the corner, then select 'View More.'

Select 'Edit' to update your home address. Tick 'Overseas' if you live outside the UK. When completed, select 'Save' and your address will be automatically updated on your pension record.

For any support, contact the Scheme Administrator.

You can receive pension updates direct to your device. This doesn't include your personal information, so it's safe, efficient, and helps the environment too.

You can check and amend your details to start receiving electronic communications by using the portal. On your dashboard, go to the top menu bar, or for mobile users, tap the burger menu icon. Select 'Do', then select 'Profile Settings'.

Check that we have your most up-to-date email address, a backup email is optional. Please use a personal email address if you're still with the company. If you would like to receive Scheme, and member, communications electronically via email, select 'Yes'. Or, if you'd rather receive paper communications, select 'No', then select 'Submit'.

For any support, contact the Scheme Administrator.

You can update your Expression of Wish details instantly on the portal.

Make sure you protect your loved ones if the worst happens. By updating these details, we will know who you'd want to receive payment of any death lump-sum amount, and dependant's pension, if this is applicable to you.

On your dashboard, scroll down the page to the Expression of Wish tab, and select 'View.'

Enter the details of anyone who is financially interdependent with you, that should receive any benefits payable should you die.

You can split this across many beneficiaries, but make sure the percentage adds up to 100%.

This could be your spouse, child, or someone else living with you. To update, select 'Edit', then select 'Add Nominated Beneficiaries', and input their details. Then select 'Okay'. When you've made your nominations, select 'Save all changes'. The details will be updated automatically onto your pension record.

For any support, contact the Scheme Administrator.

Planning for your future is important. You can view how much annual pension you've built up, and when it is paid in full, on the portal.

On your dashboard, scroll down the page to the Deferred Pension Details tab, and select the arrow in the corner.

The tab will show pension at date of leaving, as well as your Normal Retirement Date. To view a breakdown of this information, select 'View More.'

For any support, contact the Scheme Administrator.

When receiving your pension, you can view how much annual pension is in payment on the portal.

On your dashboard, scroll down to the 'Pension in Payment' tab, and select the arrow in the corner. This will show details of your total annual pension that is in payment, and the date of retirement when you started to receive your benefits. To view a breakdown of this information, select 'View More'.

For any support, contact the Scheme Administrator.

GMP Equalisation. Big words for a simple idea. So simple, in fact, that we can tell you the main things you need to know in under a minute. What else were you planning to do in that time? Wait for the barista to call your name? You didn't use your real name, right? Anyway, let's start the clock.

Number one, here's an acronym to know: GMP, short for Guaranteed Minimum Pension. It's part of some people's pension that's linked to the state pension.

Two, GMP Equalisation is just a fancy way of saying we need to try to make a small part of pensions fairer.

Three, you're only affected if you've got GMP benefits between 1990 and 1997.

Number four, for many people, GMP Equalisation will make little or no difference to the benefits they have now.

And lastly, number five, GMP equalisation affects males and females, and outcomes will depend on things like when you earnt your benefits, how much you earnt, and your retirement date.

So there you go. Stop the clock. You've just learned most of what you need to know about GMP equalisation in under 60 seconds. Have you got your drink yet?

And finally, even though the idea is simple, working it all out isn't. It's going to take time, but will keep you updated if you're affected. You don't need to do anything. Thanks for listening.

At Aptia, we know how much effort goes into building up your pension. It's your money. It's taken time to save, and it matters.

Deciding what to do with your pension is an important step on a new path. The route you choose can affect your income, the tax you pay, and how long your money lasts. It could also affect your family, who might depend on your pension after you've gone. Everyone's path will be different, and it's normal to feel lost. What matters is choosing what's right for you.

You might also have questions about tax, timing, or how your income will work in the years ahead. Through your pension scheme, you have access to Aptia's Pension Decision Service. Think of it as a reliable compass to help you navigate your options.

This isn't financial advice. We cannot tell you which path is right for you, but we can explain the different paths you could take. This means you'll have a clearer view of what the options ahead mean for you and your family.

Our retirement specialists will answer your questions and talk you through your situation and options in a one-to-one phone or video call. We will explain each option in plain language so you can take your next steps with confidence. You'll find details of how to contact us in your retirement pack.

When you're ready, get in touch with our retirement specialists at the Pension Decision Service.

Aptia, here to support you through your pension journey.