Smart Pension — the member-focused pension provider running a master trust
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Helping your employees to have confidence and control over their retirement.

Smart Retire is an innovative digital retirement dashboard. It has been designed to give your employees  confidence and control so they can plan for and manage their pension savings both in the lead up to and during their retirement.

Take a look at our Retire your way with Smart Retire video to see how it works, and to find out more about how it can help your employees, head over to our Smart Retire page.

Looking after your employees' financial wellbeing

It's important to us that our members feel comfortable with their finances, not just when it comes to pensions. That's why we’ve created meaningful financial support for all our scheme members.

Helping you to help your employees

Our mobile app makes pension admin easy for employees. It provides the tools to help them plan for the future. Through the Smart Pension app, members can make instant changes to their accounts and see real-time updates.

Smart Rewards

An additional free benefit for your employees - over 1,200 rewards, helping Smart Pension scheme members to save over £400 a year on average, in discounts at major retailers.

Why choose Smart Pension

We have evolved to become one of the largest workplace pension providers in the UK 


A multi-award-winning and digital experience for you and your employees, before and after their retirement.


Simple and secure processes, thanks to our commitment to technology, strong governance and great customer service.


We offer great value for employers and members with transparent charges and attractive Smart Rewards. 

Pensions can be complex and  the industry is slow to innovate. We take a different approach. We put our customers first and help them have better understanding and control of their finances.




Andrew Harcourt

Pensions are a critical thing to get right for a business. Smart Pension have been informative, professional and very helpful while also being friendly and responsive. Additionally, their systems are very easy to use through a simple intuitive user interface.

Jen Garratt

We have recently begun using Smart Pension for our workplace pension scheme. As new employers we have found the support from their help team to be fantastic with any question answered not only promptly, but also very clearly and kindly.


We are compatible with a wide variety of payroll providers some of which have integrated directly with us for one click data submission through the Smart Pension API, or offer pensionsync.

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