Why choose Smart Pension?
Helping you decide whether we’re the right fit for your retirement needs
assets under management
members
5-star Trustpilot reviews
employers
As of June 2026
Low pension charges
All pension providers all charge fees, but what you pay matters. Many people pay 0.5% – our award-winning default option is 0.21%.
- £400 a month + £20,000 pot: around £5,000 saved in fees.
- £850 a month + £50,000 pot: around £10,000 saved in fees.
Lower fees leave more of your contributions working for your future
Flexible investment options
Our award-winning default strategy offers a “do it for you” approach, or choose from “do it yourself” options to give you more choice. We also invest in impact-focused assets, leading the pension sector toward net zero.
Do it for you – our lifestyle and growth strategies adjust as you approach retirement.
Do it yourself – a diverse range of funds from regional equities, private markets, actively managed funds, and impact-focused options.
Values-based choices – from Shariah and fossil fuel free funds to align with your values.
Strong investment performance
Growing your pension over time is key to the retirement you want. Our default fund has delivered strong performance compared with other major pension providers.
What you get with Smart Pension
Check your pension balance
Find and combine pensions
Compare investment funds
Financial wellbeing guidance
Update your personal details
Add money
Change investments
Savings nudges
Set your retirement age
Make a regular payment
Use our pension calculator
Take your pension
Easy to use app
One account – from saving to taking your pension savings, everything in one place with no switching, no extra logins, all in the app or online.
Secure online ID checks – we verify your identity quickly and easily, just like your bank.
Fully paperless – no forms, printing, or posting letters, everything is done online.
Find and combine your pensions
It can be hard to keep track of multiple pension pots from past jobs. Smart Pension makes it easy to see what you have and combine your pensions in one place.
Find lost pensions – from previous employers, all from the Smart Pension app.
Combine your savings – bring them together to make your pension easier to manage.
It’s free to transfer – there’s no charge to find and move your pensions.
Add money anytime
Life doesn’t always follow a set path or plan. With a one-off or regular top up, you can add extra money to your pension whenever it works for you, giving you more choices in the future.
Safe and secure – online verification, all from your phone
Flexible – add what you want, when you can so you can reach your retirement goals
No fuss – top up easily through the Smart Pension app, or online
Retire your way
Here at Smart Pension, we make it easy to move from saving into retirement. Manage your hard-earned money in a way that suits you.
One account – everything in one place – no switching, no extra logins, all in the app or online.
Secure online ID checks – we verify your identity quickly and easily, just like your bank.
Fully paperless – no forms, printing, or posting letters - everything is done online.
Free withdrawals – access your money whenever you need it, and make a withdrawal at any time, at no extra cost.
Why retire with Smart Pension
Are you approaching 55 and planning how you’ll take your pension savings?
With Smart Pension, you have the flexibility to retire in a way that suits you.