Pension statement redaction is the removal of personal data from a retirement-savings summary. The tax framework is Finance Act 2004 Pt 4, which registers the scheme and governs contributions and payments; the annual allowance has been £60,000 since 6 April 2023, and the lifetime allowance was abolished on 6 April 2024 and replaced by a lump sum allowance of £268,275. What the member must be told comes from the Occupational and Personal Pension Schemes (Disclosure of Information) Regulations 2013 (SI 2013/2734). Advice on moving safeguarded benefits sits under FCA COBS 19.1 and Pension Schemes Act 2015 s.48. anonym.plus marks each identifier on your device, so the balances stay while the member goes.
When this applies
A SIPP or scheme summary pairs the member's identity and National Insurance number with contributions, allowance usage and a projected fund value. A reviewer, an actuary or a systems migration needs the figures, not the member. You trim the identity before the summary travels; the statement issued to the member stays as the disclosure record.
How anonym.plus handles it
- Open the summary in anonym.plus on your device.
- Local OCR reads scanned provider and projection pages.
- The tool flags name, NI number and plan reference numbers.
- Keep the contribution, allowance and fund-value figures.
- Mask the reference numbers to their last four digits.
- Save the clean copy locally.
What you need to provide
- The savings summary (PDF, DOCX, or scan).
- An operator (Mask suits plan reference numbers).
- Optional batch for many statement pages, up to 20 files per run.
PII & financial identifiers detected
| Category | anonym.plus entity type | Example |
|---|---|---|
| Names | PERSON | member J. Ruiz → [MEMBER] |
| Identifiers | UK_NINO | QQ 07 80 51 C → QQ ·· ·· 51 C |
| Financial | UK_BANK_NUMBER | SIPP no. 4412 → ****4412 |
| Money | MONEY | fund value £612,000 → [VALUE] |
| Dates | DATE_TIME | DOB 1979 → [DOB] |
| Location | LOCATION | postal address → [ADDRESS] |
Compliance achieved
- The tax framework is Finance Act 2004 Pt 4: the annual allowance has been £60,000 since 6 April 2023, and the lifetime allowance was abolished on 6 April 2024 and replaced by a lump sum allowance of £268,275. Those figures are what a reviewer needs; the member's identity is not.
- What the member is told comes from the Occupational and Personal Pension Schemes (Disclosure of Information) Regulations 2013 (SI 2013/2734) — redacting a working copy never displaces the statement the member actually receives.
- Advice on a transfer out of safeguarded benefits sits under FCA COBS 19.1, and Pension Schemes Act 2015 s.48 requires the member to take advice where the transfer value exceeds £30,000.
- A National Insurance number is the single most linkable field on the page; masking it supports data minimisation under UK GDPR Art. 5(1)(c) while leaving the record traceable inside the firm.
Anonymise pension account statements offline — see plans & start free →
Limitations & cautions
A spaced plan reference or a National Insurance number on a faint scan can confuse OCR, and the same number often repeats in a header. Masking keeps the last four digits, which is still a partial identifier. Verify every image page so no full value remains before you export.
Frequently asked questions
How much of a plan number may remain?
Use Mask to keep the last four digits and hide the rest. The tool applies the same rule across every page of the summary in one pass, so a header repeat is not missed.
Do the allowance figures need to be removed?
Usually not. The annual allowance of £60,000 and the lump sum allowance of £268,275 are statutory figures under Finance Act 2004 Pt 4, not personal data. It is the member's own usage tied to their name and NI number that identifies them.
Is the summary uploaded?
No. The application is fully offline, so pension data stays on your machine.