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How to recover your Smart Pension account
Lost track of your account? Here are the steps to follow
Support at retirement
The teams, tools and services that can help you prepare for retirement
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What things should I consider before deciding to leave the scheme?
If you’re thinking of leaving Smart Pension, here are six things you need to be aware of and consider before making your decision.
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What is a Letter of Authority?
What you need to know about a Letter of Authority and how it allows advisers to act on your behalf.
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What assumptions are used for my pension statement?
Discover which assumptions are used for your Smart Pension statement.
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What do I do if my annual statement contains incorrect details?
If you’ve received your annual statement but have noticed incorrect information, here’s what to do.
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Transfer guide: One home for your pensions
Bringing your pensions together can make it easier to manage your pension savings.
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Your company to-do list
Before your pension scheme is ready to accept contributions, we need you to complete a few simple tasks in your to-do list.
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Your account name
What your account name is, how to change it, and what to do if you've forgotten it.
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Why was I automatically enrolled into a workplace pension?
Discover why you were automatically enrolled into a workplace pension and what to consider if you're thinking about opting out of the scheme.
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Why is your retirement age important?
Understand how your retirement age affects your pension and how to plan your retirement income with confidence and choice.
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Why has my PAPDIS file failed?
Employer
Why has my PAPDIS file failed and how can I fix upload errors?
Discover what a PAPDIS error or a failed upload status means, and how to fix the problem with your PAPDIS file.
Employer
Which employees are eligible?
Information Assessment and Eligibility
Employer
Where can I see contributions to my pension?
You can easily view pension contributions in your Smart Pension account. Here’s where to go.
Member
What is the pension calculator and how do I use it?
Frequently asked questions about the pension calculator
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What is the pay now feature and how does it work?
From where to find the feature to the purpose it serves, here are the answers to frequently asked questions about the ‘pay now’ feature within Smart Pension.
Employer
What is salary sacrifice and how does it work?
Explaining how salary sacrifice works, with examples
Employer
What is an expression of wish?
What you need to know about an expression of wish and how it impacts what happens to your Smart Pension savings if you die before retirement.
Member
What is an adviser invitation?
A quick explanation on adviser invitations
Employer
What is an additional voluntary contribution?
This page explains what additional voluntary contributions (AVCs) are and what you can do if you have an AVC benefit.
Member
What is a P45 and how do I get one?
You generally receive a P45 when you leave a job, but here’s everything you need to know about the information on it and how to get one.
Member
What is a Letter of Authority?
A Letter of Authority allows advisers to act or ask for information on a member’s behalf, but here’s what else you need to know, including what should be mentioned in the letter.
Adviser
What happens to my Smart Pension savings if I leave my job?
Your pension savings are yours. If you’re leaving your job, your Smart Pension account can still be accessed but contributions will stop. Here’s what you need to know.
Member
What growth rate assumptions were applied to my savings in 2026?
Find out more about the growth rate assumptions used for your 2026 annual pension statement.
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What do the Smart Pension retirement options mean?
A breakdown of complicated and unfamiliar terms about retirement and the options available to you.
Member
What do I need to know about my annual pension statement?
Not sure how to view your pension statement or what it shows? Discover the answers to frequently asked questions about annual pension statements.
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What do I need to know about adding money or making regular pension contributions?
The most common questions asked about making one-off or regular pension contributions
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What do I do if I’ve forgotten my username or password?
Need to sign in to your Smart Pension account but forgotten your username/email address or your password? Here are the steps to follow.
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What do I do if I haven’t received my sign in details?
Discover how to access your Smart Pension account if you haven’t received your sign in details.
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What changes are being made to the normal minimum pension age?
The age you can start accessing your pension savings is changing from 55 to 57 on 6 April 2028, and here’s how it could affect you.
Member
What are the two HMRC approved methods for giving pension tax relief?
There are two HMRC approved methods for paying contributions into a Pension Scheme.
Employer
What are the Smart Pension PAPDIS assessment codes and specifications?
See our detailed PAPDIS specifications, what you can do with PAPDIS, and our assessment and event codes.
Employer
What are pensionable earnings?
When setting up your workplace pension scheme, you need to know which type of pensionable earning you want to go with. Find out what pensionable earnings are and the different types you can choose from.
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What are my retirement options?
Help with understanding your choices for retirement.
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What are means-tested benefits?
Learn all about means-tested benefits, key considerations regarding accessing your pension early and how taking money from your pension could affect them.
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Week 53 contributions
Learn about 'week 53' and check if you need to make contributions for this tax period.
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Viewing your clients
How to view the list of clients you or other users on your adviser account manage
Adviser
Updating your staging date or duties start date
How to set up your pension scheme start date.
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Updating your scheme details
How to find and update your scheme details
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Updating multiple employees and contribution percentage
Within this tool you can add employees to groups or update contribution percentages.
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Updating and managing signatories and admins
Tips on Managing your company's admins and signatories
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Updating adviser accounts
How to edit your account details
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Updating a group name
Learn how to change a group name
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Under what circumstances can I take my pension savings early?
There are a few circumstances in which you can access your pension savings before age 55
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The adviser home page
A guide to the adviser account home page
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Smart Pension and Xero
How to set up your Smart Pension account with Xero
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Smart Pension and Moneysoft (Payroll manager)
How to set up your Smart Pension account with Moneysoft
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Smart Pension and BrightPay
How to set up your Smart Pension account with BrightPay
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Signing the participation agreement
Learn how to digitally sign the agreement between your company and Smart Pension.
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Setting up your payroll API
How to set up your one-click payroll
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Setting up your Direct Debit
Learn how to set up a direct debit to pay pension contributions
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Sending an adviser invitation
Learn how to send an invitation to an adviser so they can access your company pension scheme
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Scheme setup
Access important tasks needed to complete setting up your pension scheme.
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Risk warnings
Highlighting the risks that come with saving for your future and providing you with the right information and support when you need it
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Protecting the money you have invested
Security of assets
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Postponements
Learn how to postpone the assessment date of your employee(s)
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Personalising Smart Pension for your employees
How to add a company logo to your Smart Pension account
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Pension Scheme Registration Number (PSR)
Our PSR number is: 12011089
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Pension investments are more volatile than usual
An update about your pension investments and current market conditions
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Pension contribution timelines and the investment process
This article explains how long it takes for your employees' pension contributions to clear and be invested, why you can only process one payment run at a time, and provides tips to help you manage your submissions smoothly.
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Pay period data submission requirements
Understanding what pay period data needs to be submitted to the pension provider
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Our top frequently asked questions about paying contributions by bank transfer
Find answers to frequently asked questions about paying contributions by bank transfer
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Managing your clients
How to administer clients you or other users on your adviser account manage
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Managing my details
Change your personal information and your password
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Managing company details
A guide to the company details section
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Managing adviser permissions
Learn how to revoke access to one of your advisers
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Maintaining your Smart Pension employer account
Make the most of your Smart Pension employer account with key functionalities that keep your pension operations running smoothly, especially at tax year-end when reviewing your pension scheme.
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List your employees
See how to list all employees in your pension scheme
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Inviting a new adviser for a client
How to invite another adviser to manage a client with you
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Importing Employees
Using our template you can add multiple employees to your company
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If I don’t have a UK bank account, what payment solutions are available?
How to set up a payment solution if you don't have a UK bank account
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I need to send a confirmation of compliance to The Pension Regulator
Outlines client late payments and confirmation of compliance
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I don't have an email address
What to do if you don't have an email address
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I can't remember my employer account name
You need your employer account name to sign in to your Smart Pension account. Here's where you can find it
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How to make adjustments or refunds for payroll contributions
This guide outlines the steps to process adjustments and refunds for payroll contributions due to administrative errors.
Employer
How to complete your retirement application form
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How pensions work and why they matter
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 can access your savings, and the tools available to help you plan ahead.
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How much money will I need when I retire?
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.
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How do member letters and communications work?
Discover how to access important letters and communications about your pension or account.
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How do I view and edit employee contribution information?
Keep your employee contribution records accurate and up to date. Follow the steps below to view and edit contribution information.
Employer
How do I use the assessment tool to calculate contributions?
See how you can use our assessment tool to assess your employees and calculate their contributions in one go.
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How do I use a PAPDIS file to upload pre-assessed pension contributions?
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How do I update employee details?
Discover how to update employee details including email, home address and more within your Smart Pension account.
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How do I transfer my pension from another provider to Smart Pension?
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How do I sign in to Smart Rewards?
Find out how to access and make the most of Smart Rewards, a benefit provided to members of Smart Pension.
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How do I sign in to my member account?
Whether you're signing in for the first time or need help accessing your Smart Pension account, follow the steps below to sign in to your member account.
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How do I sign in to my employer account?
The steps you need to follow to successfully sign in to your Smart Pension employer account.
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How do I rejoin or opt in to a Smart Pension scheme?
Discover the steps involved to rejoining or opting in to the Smart Pension scheme.
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How do I re-enrol employees back into my pension scheme?
It is your legal duty to check if you should put eligible employees who have left your pension scheme back into it. This is known as re-enrolment, and should be done every three years. Here are the steps to follow.
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How do I pay my Smart Rewards savings into my Smart Pension account?
Pay your Smart Rewards savings into your Smart Pension account
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How do I make a complaint?
How to complain if you’re unhappy with the service you’ve received
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How do I find my old pensions?
It’s quick and easy to find out whether you have any lost pension treasure using our pension finder tool.
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How do I do a bonus exchange for my employees?
Uncover the benefit of a bonus exchange and how to make a bonus exchange payment to Smart Pension.
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How do I change how much I pay into my pension?
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How do I add or change my beneficiaries?
How to add, edit or remove beneficiaries
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How do I access Pension Wise guidance?
Find out what Pension Wise guidance is, how it can help you before you take money from your pension savings, and how to book a free Pension Wise appointment.
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How can I leave the pension scheme I was automatically enrolled in?
Auto-enrolment rules encourage you to save for retirement but if you want to leave Smart Pension, here’s how to do so.
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How do I re-enrol employees back into my pension scheme?
It is your legal duty to check if you should put eligible employees who have left your pension scheme back into it. This is known as re-enrolment, and should be done every three years. Here are the steps to follow.

Five steps to re-enrolment

Here are five steps you should follow to seamlessly re-enrol employees back onto Smart Pension:

  1. Choose a re-enrolment date
  2. Work out who to re-assess
  3. Re-enrol your relevant eligible employees
  4. Tell your employees you have re-enrolled them
  5. Tell The Pensions Regulator

1. Choose a re-enrolment date

Your first re-enrolment date is three years after your original staging date, but you have the flexibility to set it at any day three months before or three months after this. 

Timeline diagram showing the re-enrolment window starting three months before the 3rd anniversary of the staging date, marked as the earliest possible re-enrolment date, and ending three months after the 3rd anniversary, marked as the latest possible re-enrolment date, with the 3rd anniversary of the staging date in the center.

Any eligible employees are put back on to your pension scheme on the re-enrolment date. From that date, you have six weeks to write to your re-enrolled employees.

It's a good idea to choose a re-enrolment date that aligns with your payroll, so it matches the start of your pay period. If you run more than one payroll, you might want to select a date where your payrolls align, as you can only have one re-enrolment date. 

Your next re-enrolment date will be three years after your last re-enrolment date. Again, you can choose to set this any day three months before or three months after this date.

Watch The Pension Regulator's short video introducing re-enrolment.
​

2. Work out who to re-assess

Who you need to re-assess

By law, you have to assess employees who opted out or ceased membership more than 12 months before your re-enrolment date.
​

Who you can choose to re-assess

You can choose to re-assess employees who opted out or ceased membership within 12 months of the re-enrolment date, but you are not obliged to do so.

You can also re-assess employees who have handed in their notice or have been given notice of dismissal, but there is no legal requirement to do this. If employees who have resigned decide to stay in your employment, you will need to include them in the assessment. 

See more information on The Pensions Regulator's website.
‍

3. Re-enrol your employees

How you re-enrol employees on Smart Pension usually depends on how you submit contributions. 

‍If you upload a file to submit contributions:
‍

  • Sign in to your Smart Pension account
  • Select the dropdown menu in the top-right hand corner, then Contribution and Payroll
  • Select Calculate Contributions, then Upload contribution file
  • Download a new template
    ‍

This template will contain the records for employees due for re-enrolment. Follow your normal process for calculating contributions. When you next upload your contributions file we’ll re-enrol any eligible employees.

‍If you manually enter contributions:
‍

  • Sign in to your Smart Pension account
  • Select the dropdown menu in the top-right hand corner, then Contribution and Payroll 
  • Select Re-assess employees to see a list of employees that need to be re-assessed 
  • To reassess an employee, select the clipboard icon next to the employee record
  • Enter the re-enrolment period dates and gross earnings for the employee
  • Click Create to finish re-assessing the employee
    ‍

We'll also prompt you to re-enrol employees in your Smart Pension account's to-do list.

If you use PAPDIS or an API to submit contributions:

When your contributions are submitted to us via PAPDIS or API, we will add any employees eligible for re-enrolment back into the scheme.

We recommend you check with your payroll software provider if you are unsure about the process.
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4. Tell your employees you have re-enrolled them

We will send your re-enrolled employees a confirmation email if we have their email address. If we don't, we'll generate a re-enrolment letter for you to give to them. 

You must give them this letter within six weeks of your re-enrolment date.

Your employees will then have the right to opt out of the scheme for one month from the date of the re-enrolment letter. 
​

5. Tell The Pensions Regulator

You must tell The Pensions Regulator you have re-enrolled your staff by completing a re-declaration of compliance. 

You must submit your re-declaration within five calendar months of the third anniversary of your original duties start date (or the third anniversary of your previous re-enrolment date for subsequent cycles).

You need to complete a re-declaration even if you have no staff to re-enrol.

You can find a checklist of what you need in order to complete the re-declaration on The Pensions Regulator’s website.

Complete a re-declaration of compliance

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Last updated:
October 5, 2026

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