SAVA - Smart's Avatar Virtual Assistant

Say 'hello' to SAVA our interactive virtual assistant who can answer your questions about your pension.

What is SAVA?

The Smart Avatar Virtual Assistant is here to answer your retirement questions any time of the day. Think of her as a ‘digital human’ that you can speak to directly – just remember to enable your microphone.

How does SAVA work?

SAVA uses artificial intelligence to recognise your voice and provide you with helpful responses to resolve any questions that you may have when using your Smart Pension account.


We’ve been innovating in the retirement industry since 2014, and we believe that technology is key to bringing about positive change. We recognise that not everyone is on a 9-5 schedule and that some people may need access to help outside of our office hours.

You can ask SAVA questions like

How do I join the scheme?
How do I sign in? (answer member when asked are you an member, employer or adviser)
Can I make extra contributions?
Can I have my annual statement?
How do I update my personal details?
What do I do if I leave my job?
Which funds perform best?
Do you have green funds?
How much is my pension worth?
What is an expression of wish?

Contact Smart Pension

How can we help?

Live chat is a good way to contact us during office hours. Click the circular button at the bottom right of your browser window to start a live chat.

We also have lots of answers to common questions in our help centre, which you can access anytime. But if there's something else you'd like to ask, these are the teams that can help you.

Our offices are open from 9am to 5pm Monday to Friday (except bank holidays).

I’m a member of the scheme

If you have a pension with us, our customer services team can help you.

If you would like to transfer another pension to your Smart Pension, we can help.

If you would like more information about Smart Retire, we can help.

If you are unhappy with the service you have received, you can raise a complaint.

I'm the beneficiary of a scheme member

When a Smart Pension scheme member dies, we'll do all we can to help that person's beneficiaries. Here's how to contact us:

I’m retired

If you're not working now, we can still answer questions about your Smart Pension.

I’m an employer

If you need help managing your employees' pensions or you're thinking of setting up a Smart Pension scheme, this is how to contact us:

If you need to tell us that your company has ceased trading, email

I am an adviser

If you're a financial adviser or accountant, or you're working in a payroll bureau, then these are the details you'll need to contact us:

Existing business:

New business:

Platform as a Service/ white-label enquiries

If you are a business that's looking for a white-label solution or the right technology for you to manage your own pension products, here's how to contact us:

Workplace enquiries

If you are a business that wants to move an existing pension scheme to Smart Pension or a company looking to set up a new one, here’s how to contact us:

Media enquiries

If you've got a media enquiry, get in touch with our press team.