Welcome to Smart Pension

We're here to support you now and in the future by helping you save for your retirement

Did you know?

We help 1 million+ people save for their future

We support 70,000+ employers

We look after £3 billion+ of our members' savings

How to set up your Smart Pension account

There are two ways to set up your Smart Pension account:

1. click the activation link in the email we sent you (if we have your email address)
2. if you don't know your registration details, please contact us

Once you've set up your Smart Pension account, you'll be able to access:

Smart Pension app

Track your pension savings wherever you go, plus manage your personal details, change your investments and check your expression of wish.

Smart Rewards

A free benefit with over 1,400 rewards, helping you to save up to £600* a year in discounts at major retailers across the UK.

Financial wellbeing  

Meaningful financial support about all your finances, not just your pension. Our hub is full of money saving tips, tools and techniques.

*Source: Smart Pension / Office of National Statistics.

Make sure your details are up to date

Once you've set up and signed in to your Smart Pension account, it's important that we have the right contact details for you in case we need to get in touch, so please:

  • check your address and phone number
  • add a secondary email address

Now is also a good time to:

  • think about who you want your pension savings to go if you die and add or update your expression of wish
  • check your investment options are right for you
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Learn more about your Smart Pension account

We’ve created a number of resources to help you better understand your pension savings.

1. Signing into your account for the first time

3. Managing your investments
2. Updating your details

4. Your simplified pension statement

(You’ll receive one of these every year)

You can also watch our annual webinar – it covers financial wellbeing, pension basics, top tips for saving money and much more.

There's an estimated £19.4 billion in UK pensions pots lost or forgotten.

Boost your pension savings

An easy way to boost your pension savings is to find any pension savings you’ve lost or forgotten about. Use our free online tool to search thousands of pension providers in a matter of clicks. Visit our Find your lost or forgotten pensions page to find out more.

Don’t forget that you can combine your old pensions into your Smart Pension – it’s easier to manage all of your pension savings in one place. Please read our transfer guide before deciding.

Your investment options

We have a wide range of investment options for you to choose from, including both investment strategies and self-select funds.

Tackling climate change is very important to us. That’s why we have set a target to achieve a net zero emissions portfolio before 2040. Find out more about sustainable investing.

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Your retirement options

When it comes to retirement and taking your money, we have a wide range of options to suit everyone.

This includes Smart Retire – a flexible, cost-effective way to combine different options to provide an income in retirement.