Contact Details & Overview of Pension Arrangements

Contact Details & Overview of Pension Arrangements

Please note that, as of 3 November 2025, there is no pension administration team at Which?. The Trustees have transferred those activities to expert third-party pension administrators.

See FAQs here for more information. 

If you’d like to join the current pension arrangement, the Consumers' Association Retirement Savings Plan, a part of the Aviva Master Trust, or want to change the amount you save every month, you can email the Payroll Team at payroll@which.co.uk, or see the employee intranet, Hub, for more details.  

If you know which pension arrangement you are a member of, then please refer to the relevant website and contact details below for more information and support:

The Consumers’ Association Pension and Employee Benefit Scheme (CAPEBS) - administered by XPS Group

Website: https://www.mypension.com/consumersassociation/  

Address: 

The Consumers’ Association Pension and Employee Benefit Scheme
XPS Administration
PO Box 562
Middlesbrough
TS1 9JA  

Phone: 0330 054 5827  
Email: Which@xpsgroup.com 

Consumers' Association Retirement Savings Plan (CARSP) - administered by Aviva

Website: https://workplace.aviva.co.uk/CARSP/

Phone: 0345 604 9915 

Email: mymoney@aviva.com 

If you’re unsure which pension arrangement you are a member of, then please read on to find out and click the relevant link to get the information you need. 

If you still have questions, you can contact us by: 

Email: pensions@which.co.uk  

Post:  

Trustees of the Consumers' Association Pension and Employee Benefit Scheme
Which?
2 Marylebone Road
London
NW1 4DF

You can find general information about pensions and retirement on the Which? website here. 

References to Which? are to the Consumers’ Association and its subsidiaries. 

The Consumers’ Association Pension and Employee Benefit Scheme 

The Consumers’ Association Pension and Employee Benefit Scheme (CAPEBS or the Scheme) is a Defined Benefit (DB) arrangement. The Scheme Administrator is XPS Group (XPS). You can find information about the Trustees of the Scheme here.  

If you started working for the Consumers’ Association (or for one of its associated companies including Which Limited, Consumers’ Association Ltd, RICA and Which? Financial Services Limited) before April 2004, you had the opportunity to become a member of the Scheme. 

If you were such a member and you haven't yet taken your Scheme benefits, then you have a deferred pension in the Scheme.  

If you also later switched to the Defined Contribution (DC) Section then all those DC Section benefits have been transferred to the Consumers’ Association Retirement Savings Plan (CARSP), a section of the Aviva Master Trust, which is administered by Aviva. 

Whether or not you switched to the DC Section, if you made additional voluntary contributions (AVCs) to any Fund Manager other than Prudential, then the money in those arrangements has also been transferred to CARSP. This includes all the AVCs made to Clerical Medical, Utmost Life (Equitable Life as was) and Legal & General Investment Management (LGIM). 

If you started working for Which? between April 2004 and December 2023 and joined the Scheme, then you became a member of just the DC Section. If so, then all your benefits have been transferred to CARSP and you are no longer a member of this Scheme. 

If you joined the pension arrangement at Which? on or after 1st January 2024, you are not and never have been a member of this Scheme. You may have joined CARSP. 

For more information about this Scheme, please visit the XPS MyPension site. 

Consumers' Association Retirement Savings Plan (CARSP) 

As mentioned above, CARSP is a section of the Aviva Master Trust, which is administered by Aviva. 

From 1st January 2024, while you are an active member of the Which? pension arrangement, your monthly contributions are paid by Which? into CARSP. In addition, the Trustees of CAPEBS transferred your entire DC Section Pension Account to CARSP. This Pension Account was built up with contributions and AVCs into the DC Section of CAPEBS between 1st April 2004 and 31st December 2023. 

If you are a member of CAPEBS and you also have money invested in CARSP, you do have the opportunity to transfer back to the Scheme some or possibly all of the money that is invested in the CARSP Funds when you retire. 

For information about the Aviva Master Trust, see the CARSP website. 

Summary of Eligibility

Providing that you haven't yet used any of your benefits, see the following table for whether you have Scheme benefits, Aviva Master Trust benefits or both.