Welcome to Mercer Smart Pension
This is your new pension scheme provided by Smart Pension
About Mercer Smart Pension
You may see this referred to as Mercer Smart Pension from time to time, but it’s important to understand that your workplace pension is administered by the Smart Pension Master Trust.
Here's everything you need to know
Look out for your activation email and welcome letter
We’ll send you an activation email and welcome letter which will tell you how you can make the most out of your account. Keep an eye out!
About Smart Pension
We’re one of the UK’s largest workplace pension providers.
We help 2 million people save for their future
We support 100,000 employers
We look after £10 billion+ of our UK members' savings
As of June 2026
Key features of Mercer Smart Pension
When you sign in to your online account, you'll be able to access:
Member app
Keep track of your pension savings wherever you go and whenever you like. You’ll be able to change your investments and check your beneficiaries.
Financial wellbeing
Meaningful financial support about all your finances, not just your pension. Our hub is full of money saving tips, tools and techniques.
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Explore your investment options
You have options when it comes to investing your pension savings. You can choose from strategies managed on your behalf, or you can take a more hands-on approach and choose from a range of individual funds. Take a look at your investment guide, to see all the options available to you.
Explore your retirement options and services
As you approach retirement, you have access to a range of Retirement Services to help with your decision making. This includes an income drawdown option, as well as access to both digital and in-person financial advice. Read your retirement guide to find out more.
Boost your pension savings
When you sign in to your online account, you'll be able to find any pension 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.
Think about who to leave your pension savings to
When you sign in to your online account, you’ll be able to choose who you’d like your pension savings to go to if you die before taking them, and in which proportions. It’s important to add your beneficiaries, as otherwise, the trustees of the Smart Pension Master Trust will make this decision without taking into consideration your preferred choice.
Important member documents
Contact us
Get in touch if you have any questions about Mercer Smart Pension by completing our contact us form.