Setting up your online Smart Pension account takes only a few minutes. Managing your pension online gives you complete control over your savings and helps you plan for your future.

Getting started

If you already have your account details, sign in to check your balance, update your details or plan your retirement goals.

How to recover your account details

If you’ve forgotten your sign in information, you can regain access using our secure online service.

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1. Provide your details

To match your account, enter your:

• Full name
• Date of birth
• National Insurance number 

If we're unable to match your account using the details above, you'll need to provide your email address, telephone number and postal address as well.

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2. Verify your identity‍

To keep your account secure, you will then need to:

• Upload an official photo ID (such as a valid passport or photo driving license)
• Open the secure link sent to your email to complete the identity check. You will need to provide a selfie, so please make sure you’re in a well lit area. 

If you don’t have photo ID, please contact us at findyouraccount@smartpension.co.uk 

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3. Sign in

Once your identity has been verified, you will receive an email with a direct link to sign in to your Smart Pension account. 

What you can do in your Smart Pension account

Once you’re signed in, you can manage your pension in a variety of ways.

• Update personal details: change your address, email address or phone number. Remember to use a personal email address so we can keep in touch with you even if you change jobs.
• Find and combine pensions: transfer other pensions into your Smart Pension account to keep all your savings in one place. 
• View and change contributions: track contributions made into your pension and adjust how much you’re contributing. 
• Track your pension savings: view your current pension balance and check how your investments are performing. 
• Add a beneficiary: tell us who should receive your pension savings if you pass away before reaching retirement age. 
• Manage investments: compare investment options and change your fund choices.
• Use retirement planning tools: try our pension calculator to see what your pension could provide you with in retirement and the impact of any contribution increases. 

Frequently asked questions

Can I give you my details over the phone rather than online?

Yes, you can still call us at any time if you wish to speak with us about your Smart Pension account. We will need to check a few details to confirm it’s you. 

Alternatively you can contact us at findyouraccount@smartpension.co.uk 

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Where can I find my National Insurance number?

You can find your National Insurance number:

• on a document you already have, for example a P60, payslip or letters about benefits
• in your personal tax account if you already have one
• in the HMRC app if you live in the UK
• in your Apple or Google wallet, if you’ve previously saved it there

You can also use your personal tax account or HMRC app to download a letter that shows your National Insurance number. Your National Insurance number is made up of two letters, six numbers and a final letter, for example, QQ123456A.

If you’re still having problems, you can find help on the GOV.UK website. 

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What happens to my ID after it’s been used to verify who I am?

We use a secure and reliable Global Identity Verification Platform called Shufti Pro to verify your identity. Shufti Pro keeps ID documentation for a period of seven years. Smart Pension Limited keeps ID documents indefinitely.