Welcome to Smart Pension
This page is for all members of Crystal who are moving into Smart Pension
About Smart Pension
We’re one of the UK’s largest workplace pension providers, authorised and supervised by The Pensions Regulator – your money is safe with us. You can read our member guide for more information about your pension.
We help 1 million+ people save for their future
We support 70,000+ employers
We look after £3 billion+ of our members' savings
Your new membership benefits
Smart Pension app
You can use the app to manage your retirement savings wherever you go and whenever you like.
Smart Rewards
A free benefit with over 1,200 rewards, helping you to save an average of up to £400* a year in discounts at major retailers across the UK.
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Financial wellbeing
Meaningful financial support about all your finances, not just your pension. Our hub is full of money saving tips, tools and techniques.
Financial coaching
It’s important for you to feel comfortable with all areas of your financial wellbeing, so we’ve partnered with Octopus Money.
Ask Alexa or Google
You can ask Alexa or Google Home how much your pension is worth, or how to increase your contributions.
Customer service
Through our contact centre and virtual assistant avatar, SAVA, we can respond to your pension questions 24/7.
*Source: Smart Pension / Office of National Statistics.
Wide range of investment options
We’re proud to offer a Shariah fund and a Fossil Fuel Free fund. Take a look at our investment guide, which explains all the options.
Tackling climate change is very important to us. Find out more about sustainable investing.
Explore your retirement options
If you’re close to retirement age, you may want to start thinking about how you’ll take your money. We have a wide range of options to suit everyone. Read our retirement options guide.
We offer Smart Retire, an online retirement account that can be used to flexibly manage your retirement income. Find out more about Smart Retire.
Boost your retirement savings
Our unique online tool enables you to find any retirement savings you've lost or forgotten about. You could then also boost your retirement savings by combining all your old pensions into one, or making a single contribution whenever it suits you.
Watch our annual member webinar
We know pensions can be complicated and want to help you understand your pension. You can hear about how we’re managing and investing your retirement savings and get tips and tricks on getting one step closer to your retirement goals.
Watch nowWhat happens next?
We’re working together to keep you informed, so over the coming weeks and months you’ll continue to receive communications from both Crystal and Smart Pension.
Frequently asked questions
Why is this change happening?
The sponsor to Crystal, Evolve, has been bought by Smart Pension with a view to transferring Crystal’s members to the Smart Pension Master Trust. The Crystal Trustee has undertaken an in depth due diligence exercise and agrees this is a positive move with an opportunity for greater value for money and access to state of the art member tools, financial wellbeing support and member rewards.
What communications have been sent so far?
The sponsor to Crystal, Evolve, has sent the following communication(s):
Will I still be able to access my retirement savings before the transfer to Smart Pension?
Yes, Crystal will continue to operate normally until shortly before the transfer to Smart Pension in 2024. We’ll have a short period of time just before the transfer during which we’ll be working with Smart Pension to create your new account, during this time you won’t be able to withdraw or transfer your benefits. We’ll keep you regularly updated on the progress of the transfer but before then you can access your savings as normal by contacting the Administration Team at penadmin@evolvepensions.co.uk.
Will I still be able to access the member portal, evoLink?
Yes, evoLink will continue to be available until shortly before your retirement savings are transferred to Smart Pension, we’ll keep you updated throughout. If you haven’t registered for evoLink you can still get access to all your information by signing up here.
Will I have to select an investment option when I transfer to Smart Pension?
Not unless you want to. Smart Pension will provide a default investment option, similar to your current investment option. However, there will be other investment options you can choose or self-select, if you wish. We’ll update you with details of the investment options over the coming months.
Will there be a change to the charges that are deducted from my retirement savings once I transfer to Smart Pension?
There will be no increase in the level of the charges deducted from your retirement savings when you move to Smart Pension.
Where can I get some advice on my pension arrangements?
We are happy to support you with questions about the transition to Smart Pension but we, Evolve and Smart Pension, are not regulated to give you financial advice. If you require any advice, you should contact an independent financial adviser.
The UK government also offers free support to people over the age of 50 through MoneyHelper. You can find more information about this on their website.
Who can I contact if I have any questions about my retirement savings?
You can continue to contact Evolve Pensions on 01322 640530 (option 1) or by emailing penadmin@evolvepensions.co.uk.
Drawdown members only
Will there be any change to the drawdown options I currently have?
Yes, the options provided by Smart Pension are different to those you currently have access to via Crystal. Full details of each option and how your retirement savings will be invested can be found on Smart Retire, the Smart Pension retirement tool. We’ll give you more details and confirm actions to take well ahead of the transfer to Smart Pension. Until then you’ll continue to receive your normal payments (if you receive these regularly) and can access your Retirement Savings in exactly the same way.
What communications have been sent so far?
The sponsor to Crystal, Evolve, has sent the following communication(s):
Will I have to choose a Smart Retire option before my retirement savings are moved from Crystal?
Over the coming months we’ll give you information on the Smart Retire option closest to your current Crystal drawdown option, you’ll have plenty of time to review your options and take any financial advice you require. Full details and support will be available to you well ahead of the transfer to Smart Pension.
I currently receive a monthly income from Crystal, will there be an option to continue receiving income after the transfer to Smart Pension?
Yes, there is a Smart Retire option which will provide a monthly income and full details will be provided well ahead of the transfer. If you want to find out more all the details are here but we’ll give you more information and confirm actions to take well ahead of the transfer to Smart Pension. Until then you will continue to receive your normal payments (if you receive these regularly) and can access your retirement savings in exactly the same way.
Will there be a charge applied to my retirement savings under Smart Retire?
Yes, just like with Crystal there will be a monthly charge applied to your retirement savings. This charge will depend on which of the four Smart Retire options you transfer to. Full details of each option and the charges will be provided well ahead of the transfer to Smart Pension.
Will I have to notify my tax office of the change to Smart Pension?
No, Smart Pension and Crystal will notify the tax office of the change. You may receive a P45 from Crystal to confirm how much has been paid to you and the amount of tax deducted. This is perfectly normal and is just for your records.
Contact us
You can continue to contact Evolve Pensions on 01322 640530 (option 1) or by emailing penadmin@evolvepensions.co.uk.
If you have any questions about Smart Pension or how your new Smart Pension account will work, please use our contact us form.