Why choose Smart Pension
assets under management
members
5-star Trustpilot reviews
employers
As of June 2026
One of the UK’s largest and fastest-growing pension providers
Offering a workplace pension as a defined contribution master trust for employers of all sizes.
We are digital first, not digital only. We provide excellent customer experiences and access to human expertise as standard.
Our technology is our backbone, removing barriers and creating frictionless experiences, clear choices and speed.
We push to modernise pensions. Reducing pain points and innovating to deliver better long-term outcomes, for people and the world we live in.
Stand-out service
We’re committed to delivering excellent service to every member. We make every interaction simple and smooth with flexible ways to get in touch, dedicated support for vulnerable customers and tailored communication.
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Award-winning customer service
Full functionality across app and online account
We aim to create smooth experiences for both members and employers. Whether it’s through the Smart Pension app or our easy-to-use employer online account, everyone can make instant changes without having to deal with paperwork.
- Check pension savings
Members can stay on top of their savings and see how much their pension is worth, and change personal details, membership and more.
Find and combine pensions
With an estimated £31.1 billion in lost UK pensions out there* members can bring all their retirement savings together in one place.
*National Pensions Tracing Day
Choose investments
Members can select investment choices to grow their savings and make changes at any time in their account.
Retirement planning
We offer members flexible retirement with Smart Retire. No new setup, extra paper or logins – just one familiar place to manage retirement savings.
Seamless payroll integration
Move away from legacy systems. Our platform integrates with payroll software, automating routine tasks, streamlining administration and reducing delays for employers and members.
An award-winning investment approach
Our carefully constructed and governed investment strategies are designed for positive long-term outcomes, helping members achieve their ideal retirement lifestyle.
We are committed to giving members the choice to manage their investment decisions if they want to.
Our investments aim to create local and global impact, while optimising for growth.
Our investments align with members' personal, ethical, religious or lifestyle preferences.
Flexible retirement with Smart Retire
We make retirement decisions straightforward, with clear options and practical support for every stage.
A range of options
We include a comprehensive and flexible range of retirement options as standard, allowing members to combine different solutions to suit their needs, at no extra cost.
Everything in one account
No new setup, extra logins or paper - members have one familiar place to manage their retirement savings, moving from saving to spending via the same app or online account.
Built-in planning tools
Built-in digital guided journeys and support tools enable members to model retirement income or see what sustainable withdrawals could look like, helping build pension confidence.
Don’t just take our word for it
Backed by trusted global financial investors
Why choose Smart Pension?
Stand-out service
With efficient technology and support processes in place, members get the time, attention and resources they need.
A digital approach
Whether it’s through the Smart Pension app or our easy-to-use online account, members can make instant changes to their pension without having to deal with paperwork.
Payroll integration
Our platform integrates with payroll software, automating routine tasks, streamlining administration and reducing delays for employers and members.
Award-winning investments
Our carefully constructed and governed investment strategies are designed for positive long-term outcomes, helping members achieve their ideal retirement lifestyle.
A complete retirement solution
We offer a range of retirement options, practical support and built-in planning tools to help members make the best decision at every stage of retirement.
Salary sacrifice
We offer this as standard. Explore to see how your business and employees could pay less National Insurance (NI) contributions.
Expert governance
Savings are always looked after and invested responsibly.
Value for money
Our digital-first technology helps boost efficiency, keeping costs low.
Join Smart Pension today
Join 100,000 employers and more than two million individuals already using Smart Pension to help save for retirement.