Transforming retirement, savings and financial wellbeing

Join over 70,000 employers and more than a million individuals already using Smart Pension to help save for retirement.

Authorised and supervised
by The Pensions Regulator

£5bn+

assets under management

1.4m

members

£100m

growth every four weeks

70k+

employers

As of September 2024

Why Smart Pension?

Easy to use app

Real-time pension access – members can access their account through the app or website.

Bringing pensions together – there’s an estimated £26.6 billion in UK lost pensions out there*. Members can find and view all their retirement savings in one place.

*National Pensions Tracing Day

Award-winning investments

Sustainable – our investments have a sustainable approach whilst also focusing on maximising returns for members.

Targeting net zero – our default growth fund is market-leading and targeting net zero by 2040, ten years ahead of the Paris Agreement and most other providers.

Backing from global financial giants

Streamline pension admin

Save time – we help companies run pension admin hassle-free every month by connecting your payroll software to Smart Pension.

Simplify monthly tasks – we deliver simple integration with most major payroll software providers to automate contribution uploads and make your job easier.

Value for money

Digital-first technology – our Keystone technology brings huge efficiency, meaning that we can keep our charges low.

Reduce pension charges – many companies switch to us to reduce the fees that they and their employees are paying.

Give your employees more than a pension

Financial wellbeing support – provided for all members. Learn more.

Smart Rewards – free access to discounts and cashback at over 1,400 major retailers, saving members' up to £600 a year*. Learn more.

Smart Retire – keeps members’ savings working hard even after they retire. Learn more.

*Smart Rewards is provided by our third-party service provider, Fizz Benefits Limited.

Rated excellent by Trustpilot



Awards and achievements

Join Smart Pension today

Join over 70,000 employers who are already using Smart Pension and helping over a million individuals save for retirement.

Employers already using Smart Pension