Smart Pension

Smart Pension Support

Claire Barron

Help for members who have been enrolled into a Smart Pension scheme

Member support

Your top frequently asked questions answered about the move from the Options Workplace Pension Trust to Smart Pension.

An important update about the move from the Options Workplace Pension Trust

An update about your pension investments and current market conditions

Pension investments are more volatile than usual

The age you can start accessing your pension savings is changing from 55 to 57 on 6 April 2028.

Changes to the normal minimum pension age

Get to grips with our new retirement options

Key updates about your Smart Pension account

Latest news 

Your pension page

Overview

How to activate your member account and sign in to Smart Pension for the first time

Signing in to your member account for the first time

How to sign in to your Smart Pension account as a member

How do I sign in to my member account?

I haven't received my sign in details

What to do if you don't have an email address

I don't have an email address

What to do if you've forgotten your password

I can't remember my password

What to do if you've forgotten your email address

I can't remember my email address or username

You need your employer account name to sign in to your Smart Pension account. Here's where you can find it

I can't remember my employer account name

Change your personal information and your password

Managing my details

How do I add or change my beneficiaries?

Member letters and communications

How to sign in to Smart Rewards

How to sign up for Smart Rewards

How to complete identity and verification through your Smart Pension account

Completing identity and verification

My account

Frequently asked questions about the pension calculator

Your pension calculator

This guide for all scheme members who'd like to learn to more about their pension savings

Our member guide

How to manage your investments with Smart Pension.

Can I choose where my pension savings are invested?

How to transfer a pension to us, and what to expect when you do

Moving your pension from another provider to Smart Pension

Protecting the money you have invested

It’s quick and easy to find out whether you have any lost pension treasure using our pension finder tool.

How do I find my old pensions?

This page explains what additional voluntary contributions (AVCs) are and what options you may have.

Additional voluntary contributions

As the tax year comes to a close, there are a few key things to keep in mind about your pension. Understanding these points can help you make the most…

Tax year-end and your pension: what you need to know

Understand how your retirement age affects your pension and how to plan your retirement income with confidence and choice.

Why is your retirement age important?

Learn how workplace pensions work, why they matter, and how they can help you build income for retirement. This guide explains how pensions grow over time, the different ways you…

How pensions work and why they matter

About my pension

Frequently asked questions about your annual pension statement

Your 2025 annual pension statement

Outlines the growth rate assumptions used for your 2025 annual statement and our online pension calculator

Growth rate assumptions 2025

Annual statement

See what has been and will be paid into your pension pot

Where can I see contributions to my pension?

Boost your pension savings without committing to regular payments.

Add money at any time by making a one-off pension contribution

Increase or decrease your contribution percentage, or make a one-off payment to your pension

Change how much you pay into your pension

The most common questions asked about making one-off or regular pension contributions

How salary sacrifice works

Pay your Smart Rewards savings into your Smart Pension account

How do I pay my Smart Rewards savings into my Smart Pension account?

An overview of key Auto-Enrolment and Statutory Maternity Pay calculations. For information on parental leave pay please contact your employer. Please note that this article is only applicable to Smart…

Automatic Enrolment and Maternity Leave

My contributions

The teams, tools and services that can help you prepare for retirement

Support at retirement

Make preparing for retirement easier by combining your pensions into one

Combining your pensions before retirement

Help with understanding your choices for retirement.

Your options at retirement

Learn how to access your Smart Pension savings at retirement. Understand your options, how to start the process, and where to access help and guidance.

Accessing your savings at retirement

Learn what Pension Wise guidance is, who can use it, how to book a free Pension Wise appointment, and what you need to do before taking money from your pension…

Pension Wise guidance

Retirement

Find out how much you may need for retirement. Use our retirement calculator to understand retirement living costs and how to boost your pension savings.

How much money will I need when I retire?

About your expression of wish, and how we deal with your pension in the event of your death

What happens if I die before I retire?

Learn all about means-tested benefits, key considerations regarding accessing your pension early and how taking money from your pension could affect them.

What are means-tested benefits?

There are a few circumstances in which you can access your pension savings before age 55

Taking your pension savings early

Learn how to complete your retirement application form, what information you'll need to provide, and the steps required before we can process your retirement claim.

How to complete your retirement application form

FAQs about Retirement

Why you were automatically enrolled, and what to consider if you're thinking about opting out of the scheme

Why was I automatically enrolled into a workplace pension?

How to opt in to or rejoin a Smart Pension scheme

How to join your pension scheme

How to opt out or cease membership of the pension scheme, and what happens when you do.

Leaving your pension scheme if you've been automatically enrolled

How refunds work when you opt out of the scheme

Now I've opted out, how are my contributions refunded?

What happens to your Smart Pension savings if you leave your job

Leaving your job

Guide to P45s

How to transfer a pension out of Smart, and what to expect when you do

Moving your pension from Smart Pension to another provider

Opting in or out

How to contact Smart Pension member support

Contact us

How to complain if you’re unhappy with the service you’ve received

Making a complaint

What you can ask Alexa about your Smart Pension

Using the Smart Pension skill for Amazon Alexa

Learn what happens to a Smart Pension pension pot when a member dies before accessing their retirement savings.

Bereavement process

Help with Smart Pension

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