A modern pension for care homes and retirement villages

We offer a digital-first pension for care homes and retirement villages in the UK who employ carers and office staff – contact us to find out more today
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Is it time to upgrade the care home or retirement village pension scheme you offer your employees?

Ask yourself three questions:


Is your pension admin quick and easy to run each month?


Do your employees have access to benefits such as helping them save £600 a year on average including discounts, at major retailers?


Do your employees have access to the latest technology to manage their pension?

If you answered no to any of those, maybe it’s time to review your pension scheme and see what Smart Pension can offer you.

Speak to a pension expert

Why choose Smart Pension?

Save time

Access a purpose built, market-leading platform with API integration to reduce the time you spend running a pension.

Employee benefits

Access to Smart Rewards, an easy-to-use app and our financial wellbeing hub.


Our modern technology makes us extremely efficient, allowing us to keep our charges low.


Our award-winning app gives members the ability to manage their pension savings at any time with just the tap of a finger.

Give your employees access to a modern pension

A digital platform

Unlike other pension providers we use our own technology, meaning that we can deliver improvements and new features quickly.

Smart Rewards for members

A free benefit for members – over 1,400 rewards, helping members save up to £600 a year in discounts at major retailers.

Financial wellbeing for members

Meaningful financial support is provided for all members because it’s important to us that they feel comfortable with their money.

Digital retirement

Your employees can access Smart Retire to manage their finances in retirement and keep their savings working hard even after they retire.

AI customer service agent, SAVA

Our interactive avatar, SAVA, capable of responding to human questions in real-time across all devices, has joined Smart Pension to provide customer support 24/7, 365 days a year.

Bringing pensions together

Members can see all their retirement savings in one place, by adding all their different pensions to our retirement dashboard tool.

Frequently asked questions

Can a pension help me retain my employees?

Yes. In today’s competitive labour market, a good workplace pension scheme is an increasingly important aspect of any employment package. Helping employees to better outcomes in retirement is a process that starts years before they retire. Giving them confidence when it comes to planning for retirement helps you, as an employer, to show your commitment to them.

Did you know that a company workplace pension may be able to significantly reduce the National Insurance a company and employees pay?

Salary sacrifice, also known as ‘salary exchange’, is an arrangement with you and your employees where you agree to exchange your employee’s salary by the amount they want to contribute to their pension. You will then pay this amount, plus your contribution, to their pension savings.

      Salary sacrifice can benefit your company because:

  • it is a tax efficient way for you to save money on your care home's workplace pension scheme
  • both you and your employees pay less in National Insurance contributions each month
  • it allows you to offer increased benefits for your employees, at no extra cost to you

      Learn more about salary sacrifice.

Can I connect my existing payroll software to Smart Pension?

Yes, save time and make your job easier by connecting your payroll software to Smart Pension. We connect with all the leading payroll software providers – search yours now.

Can you tell me more about the Smart Pension Master Trust?

Smart Pension is an award-winning pension provider and the Smart Pension Master Trust is authorised by The Pensions Regulator (TPR). Our master trust scheme helps hundreds of thousands of members, with funds managed by household names including Barclays, J.P. Morgan, HSBC and Legal & General.

Learn more about the Smart Pension Master Trust.

How is the Smart Pension Master Trust governed?

We have an independent board of trustees who make sure our pension scheme follows pension legislation and acts in members’ best interests at all times. Our board has extensive experience in the pension industry.

Meet our trustees here.

Companies who recommend Smart Pension

Radfield Home Care Ltd, Shrewsbury

Having used other automatic enrolment pension schemes, I can say that Smart Pension is the best one I have come across for a few reasons. The set up of new schemes is very simple and the platform is easy to navigate and understand. The customer support is excellent and I believe that our employees have a similar experience with their individual pension accounts.

Inspired Villages,

The set-up of new schemes is supported by our dedicated point of contact and we always receive quick replies and excellent support from the Smart Pension team regarding any contribution queries. Our employees have access to their own pension account online, so they can easily keep up to date with their pension, plus Smart Pension offers excellent employee benefits and a good choice of funds.

Awards and achievements

Smart Pension Reviews

Talk to us now

Book a call with us today and join over 70,000 employers who are already using Smart Pension and helping over a million individuals save for retirement.

Book a call