Your Pension - Your Future

ZCashBuilder

If you're currently working for Zurich, or you joined Zurich after 31 March 2007 and have since left, you're in the right place.

It's easier than ever to manage and keep track of your pension savings - simply log in to your personal online account to see your Pension Scheme record. When you're logged in, you can quickly and conveniently make requests or update your details.

ZCashBuilder is a defined contribution – or money purchase – pension arrangement.

Your contributions are invested in the funds you choose and the value of your ZCashBuilder account will depend on how much you and Zurich have paid in and the performance of the investment funds.

You can also:

track the value of your ZCashBuilder pension account
carry out any fund switches that are required for existing funds or future contributions
use the ZCashBuilder Retirement Planner tool
update your details
nominate who you'd like death benefits to be paid to
update your contact details

The fund, or funds, you choose to invest in each come with a charge to cover the costs of managing the investments and administering the Scheme. These charges are a percentage of your total investment in each fund.

You can currently take your ZCashBuilder benefits at any time from age 55, although this is planned to rise to 57 from April 2028.

Also in this section

New to the Scheme

Start saving for your future today.

ZCashBuilder benefits

If you're currently paying into the Scheme, you're an active member.

Investment

Discover more about your investment options.

Transfers

Learn more about transferring your pension.

Retirement

Review your pension regularly to ensure you get the future you want.

WTW pension guidance

The Trustee has appointed WTW's Financial Planning Group to help you understand your options.

Death benefits

It's important you understand the death benefits you get with a ZPen pension.

Get in touch
zpenteam@uk.zurich.com (final salary and final salary + ZCB) zcashbuilderteam@railpen.com (ZCB)
zurichteam@railpen.com (Pensioners)
0800 232 1915 (option 1 - pensioners, option 2 - ZCashBuilder, option 3 - final salary)
Zurich Pensions Team, Railpen, PO Box 377, Darlington, County Durham, DL3 6XY

None of the information given on this website can give you legal rights or benefits that differ from those provided in the Trust Deed and Rules. In the case of uncertainty or conflict between the content on this website and the Trust Deed and Rules, the Trust Deed and Rules (as amended from time to time) will prevail.

You should consider taking independent financial advice on your options in relation to your benefits under the Scheme. Neither the Scheme Trustee (Zurich Financial Services UK Pension Trustee Limited) nor any member of the Zurich Group (i.e. Zurich Insurance Group Ltd - registered in Switzerland with number CH-020.3.023.089-6 and its direct and indirect subsidiaries) are able to provide you with financial advice or accept any liability for any decision you make with regards to your retirement options.