Withdraw pension lump sum after leaving job

[fuse]

I have racked up 3 pension policies from 3 different jobs. 3rd being my current.

The 2nd is 2 years worth of contributions so I would like to withdraw this as a lump now as I need it. Have looked on my pension site and can't find anything about withdrawing it.

Is there a standard rate of tax for doing this or typical charges? I fear it will be discouraged therefore some penalties.

 

[Conan]

Not that simple.
What type of pension contracts are they, presumably all occupational pensions? How old are you?
You can generally only withdraw the fund when retiring. And then you cannot get all the fund in cash. Or you can withdraw your personal contributions on leaving service if you have less than two years service.
On the basis of your post I doubt that you will be able to draw down the fund.

 

[fuse]

Thanks for reply.

I'm late 30s.
First is civil service pension, next two are private sector.
I was 2.5 years in the 2nd one, so like you say, it's unlikely I'll get to withdraw.

Will look at consolidating 2nd with 3rd.
And I presume I'm best to leave the public service one sit until I reach retirement?