FAQs

Here to help

General

Who are the Trustees?

The Scheme is set up under Trust and the assets are held completely separate from those of the Bank.

The Trustees are responsible for ensuring that the Scheme is efficiently run and that the investment providers are carrying out their duties correctly. The Trustees also ensure that the Scheme is run in accordance with the terms of the Scheme Rules. These set out the legal basis on which the Scheme operates.

A list of the current Trustees can be obtained from your HR department.

A copy of the annual report of the Trustees containing audited Accounts and an investment report and a list of Trustee and professional advisers is available from the Trustees on request. You can also request from the Trustees or your HR department, a copy of the Rules of the Scheme.

Tax and your pension

The Scheme is registered under Section 153 of the Finance Act 2004. As a result, the Scheme benefits from valuable tax concessions.

Any contributions you make are deducted from your salary before tax, so you benefit from tax relief at your highest rate. The investment returns credited to your Account are largely tax free.

Once your benefits start to be paid, any payments are treated for tax purposes as earned income, except where you have taken a cash sum on retirement or an Uncrystallised Funds Pension Lump Sum (UFPLS) which are 25% tax free.

Can I use my benefits as a security on a loan?

No. Your benefits in the Scheme are held in trust and you cannot dispose of or promise your benefits to anyone else.

Future of the Scheme

Whilst the Bank fully intends to continue the Scheme it reserves the right to amend and discontinue the Scheme at any time. If the Scheme were to be discontinued, your benefits would be secured out of the Scheme assets in accordance with the terms of the Trust Deed and Rules.

Online pension portal

What is the online pension portal?

The online pension portal is a secure, online site designed to give you quick and easy access to the tools you need to manage your journey to retirement.

It consists of two sections, the first contains information relevant to all members. The second part of the site sits behind a user login and contains a wide variety of features, including:

  • Your annual pension statement, with personalised insights on how much you have saved and how much you can expect to receive in retirement.
  • The ability to update your details, including contact information and personal circumstances, helping to ensure you receive all the correct information about your pension benefits.
  • Nomination of Beneficiary forms, allowing you to nominate who you'd like the Trustees to consider to receive any benefits due in the event of your death.
  • Important updates about the Scheme issued by the Trustees or Scheme Administrators.

We’re continually developing the online pension portal and adding new functionality too, so keep an eye out for new features being added.

How do I create an account?

To create an account first go to portal.hartlinkonline.co.uk/svenska

Once there click on the Register button in the top right of the page and follow the instructions.

You will need your National Insurance number, and this must match the one on your pension record for successful registration.

You will be required to set up a Login Name, password and a PIN notification will be sent out. Click on the ‘Register’ button and follow the on-screen instructions. When requested, please ensure to enter your full mobile number including the first 0.

When requesting a PIN notification, please select to receive by email. If you do not receive your PIN notification, please email us at handelsbanken@capita.com

Alternatively you can set up multi-factor authentication (MFA) and receive an SMS message with the code to give you peace of mind that your pension is safe and secure.

We suggest you register for online communication to ensure you receive any correspondence in a timely fashion.

How is my account information kept safe?

We take cyber security very seriously. To protect your personal data we use a variety of different mechanisms.

The online pension portal uses online encryption. This means that all information sent to and from the site is secure and can't be intercepted by an attacker.

We encourage users to set up multi-factor authentication on their account to help keep it safe and secure. This means generating a unique code that is sent as a text message to your phone or comes from an app each time you log in.

Who do I contact if I have any problems logging in?

If you’re having any problems accessing the online pension portal, please contact the Capita administration team right away.

You can get in touch using the details below:

Email - handelsbanken@capita.com

Phone - 01227 773 902

Post - Svenska UK Retirement and Death Benefits Scheme
Capita Pension Solutions Ltd
PO Box 555
Darlington
DL1 9YT
United Kingdom