Skip to main content
Help centre
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
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
Member
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.
Member
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.
Member
What assumptions are used for my pension statement?
Discover which assumptions are used for your Smart Pension statement.
Member
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.
Member
Transfer guide: One home for your pensions
Bringing your pensions together can make it easier to manage your pension savings.
Member
Smart Web Application Cookie Policy
Our web application uses cookies to distinguish you from other users. This helps us to provide you with a good experience when you use our web application and also allows us to improve it.
How to sign up for Smart Rewards
Member
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.
Employer
Your account name
What your account name is, how to change it, and what to do if you've forgotten it.
Employer
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.
Member
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.
Member
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
Member
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.
Member
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.
Member
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
Member
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.
Member
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.
Member
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.
Employer
What are my retirement options?
Help with understanding your choices for retirement.
Member
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.
Member
Week 53 contributions
Learn about 'week 53' and check if you need to make contributions for this tax period.
Employer
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.
Employer
Updating your scheme details
How to find and update your scheme details
Employer
Updating multiple employees and contribution percentage
Within this tool you can add employees to groups or update contribution percentages.
Employer
Updating and managing signatories and admins
Tips on Managing your company's admins and signatories
Employer
Updating adviser accounts
How to edit your account details
Adviser
Updating a group name
Learn how to change a group name
Employer
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
Member
The adviser home page
A guide to the adviser account home page
Adviser
Smart Pension and Xero
How to set up your Smart Pension account with Xero
Employer
Smart Pension and Moneysoft (Payroll manager)
How to set up your Smart Pension account with Moneysoft
Employer
Smart Pension and BrightPay
How to set up your Smart Pension account with BrightPay
Employer
Signing the participation agreement
Learn how to digitally sign the agreement between your company and Smart Pension.
Employer
Setting up your payroll API
How to set up your one-click payroll
Employer
Setting up your Direct Debit
Learn how to set up a direct debit to pay pension contributions
Employer
Sending an adviser invitation
Learn how to send an invitation to an adviser so they can access your company pension scheme
Employer
Scheme setup
Access important tasks needed to complete setting up your pension scheme.
Employer
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
Member
Protecting the money you have invested
Security of assets
Member
Postponements
Learn how to postpone the assessment date of your employee(s)
Employer
Personalising Smart Pension for your employees
How to add a company logo to your Smart Pension account
Employer
Pension Scheme Registration Number (PSR)
Our PSR number is: 12011089
Employer
Pension investments are more volatile than usual
An update about your pension investments and current market conditions
Member
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.
Employer
Pay period data submission requirements
Understanding what pay period data needs to be submitted to the pension provider
Employer
Our top frequently asked questions about paying contributions by bank transfer
Find answers to frequently asked questions about paying contributions by bank transfer
Employer
Managing your clients
How to administer clients you or other users on your adviser account manage
Adviser
Managing my details
Change your personal information and your password
Member
Managing company details
A guide to the company details section
Employer
Managing adviser permissions
Learn how to revoke access to one of your advisers
Employer
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.
Employer
List your employees
See how to list all employees in your pension scheme
Employer
Inviting a new adviser for a client
How to invite another adviser to manage a client with you
Adviser
Importing Employees
Using our template you can add multiple employees to your company
Employer
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
Employer
I need to send a confirmation of compliance to The Pension Regulator
Outlines client late payments and confirmation of compliance
Adviser
I don't have an email address
What to do if you don't have an email address
Member
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
Member
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
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.
Member
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.
Member
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.
Member
How do member letters and communications work?
Discover how to access important letters and communications about your pension or account.
Member
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.
Employer
How do I use a PAPDIS file to upload pre-assessed pension contributions?
How to use a PAPDIS file to process your contributions
Employer
How do I update employee details?
Discover how to update employee details including email, home address and more within your Smart Pension account.
Employer
How do I transfer my pension from another provider to Smart Pension?
Bringing pension pots together can make it easier for you to track your retirement goals and manage your pension savings. And you can do it with ease in your Smart Pension account.
Member
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.
Member
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.
Member
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.
Employer
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.
Member
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.
Employer
How do I pay my Smart Rewards savings into my Smart Pension account?
Pay your Smart Rewards savings into your Smart Pension account
Member
How do I make a complaint?
How to complain if you’re unhappy with the service you’ve received
Member
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.
Member
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.
Employer
How do I change how much I pay into my pension?
Want to increase or decrease the amount you contribute into your pension? Here’s how you can adjust how much you’re putting in and how you can make a one-off payment.
Member
How do I add or change my beneficiaries?
How to add, edit or remove beneficiaries
Member
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.
Member
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.
Member

No results found.

‍

Try a different search term or browse the help topics below.

help centre
Privacy Policies
·
Read time:
XX

Chapters:

Chapters
Smart Web Application Cookie Policy
Our web application uses cookies to distinguish you from other users. This helps us to provide you with a good experience when you use our web application and also allows us to improve it.

1. Introduction

This Smart Web Application Cookie Policy (Policy) describes how Smart Pension Limited (‘Smart’, ‘we’, ‘us’ or ‘our’) of 136 George Street, London, W1H 5LD uses cookies and similar technologies when you use our web application. This Policy should be read in conjunction with our Privacy Policy.

‍

2. What are cookies?

A cookie is a small text file of letters and numbers that are placed on your computer or mobile device when you visit a website or an application. Cookies are widely used to make websites/applications work more efficiently and to provide information to the owners of the websites/applications. 

You can find more information about cookies from https://ico.org.uk/for-the-public/online/cookies/.

 

3. Where do cookies come from?

There are two sources of cookies: first party cookies which are set by Smart on your device and third-party cookies which are set by a third-party service provider.

Smart may use third-party cookies to analyse the use of our web application. These third-party service providers may also collect and use information about your activity in our web application and other applications and websites.

‍

4. Why do we use cookies?

Our web application uses cookies to distinguish you from other users of our web application. This helps us to provide you with a good experience when you use our web application and also allows us to improve it.

We use cookies and other tracking technologies, for example, to:

  • Improve user experience on our web application.
  • Analyse our web application traffic and understand who uses our web application, how they navigate around it and how easy they find it to use.
  • Preserve your login state and remember your settings and preferences.
  • Show the most useful content for the users relating to our products and services.

We do not show adverts from third parties on our web application. We do not store any personal information in our cookies that can be used to identify you directly, like your name, email, postcode, or financial information (credit card, bank account).

We do not sell your data to  third parties for any reason. To read more about how we protect the information we collect about you, please read our Privacy Policy.

‍

5. How do you change cookie settings?

By using our web application or other online services,, you agree to our use of cookies as described in this Policy.

Certain cookies are strictly necessary for making our web application work well. But you can control or disable other types of cookies through ‘Cookie Settings’ in our cookie banner which pops up when you visit our web application. You can also manage what cookies are stored on your device directly by use of your browser settings. However, blocking some types of cookies may mean you cannot use all the services or features on our web application or other online services.

As explained above, third-party cookies are set by someone other than Smart. Our web application  may also contain content from other sites like Google, which may set their own cookies. We have no control over third-party cookies, but you can disable them by using your browser settings. Please note that you should check these third parties' privacy notices for further information on their use of your personal data.

‍

6. Do we transfer your data outside of the UK or EEA?

Information collected may be transferred and stored outside the UK or EEA. Where your personal data is being transferred to countries outside the UK or EEA either by us or by our service providers acting on our behalf, we will ensure that appropriate safeguards and necessary organisational and technical measures are in place to protect your personal data in accordance with the Data Protection Laws. For further information on third parties’ use of your personal data, please check their privacy and cookie notices.

‍

7. Changes to this Policy

We keep this Policy under regular review and may change it at any time. This Policy is current as of May 2026.

‍

8. Contact

Our Data Protection Officer is Joanne Zhang. If you have any queries about this Policy, please contact privacy@smartpension.co.uk.

‍

9. Cookie List

When you log into our web application at id.autoenrolment.co.uk – whether as an employer, employee, or adviser – we use certain cookies to enhance your experience. If a cookie group is specific to one user type (employer, employee, or adviser), this will be clearly indicated next to that group below. If no such indication is provided, it means that the cookies are used for all user types when accessing our web application.

‍

Essential Cookies

These cookies are necessary for the web application to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.

‍

Group Cookies Used Type Duration Description
Employer app (for employers only) Customer_id First party 30 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
Employer app (for employers only) customer_token First party 15 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
Employee app (for employees only) Employee_id First party 30 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
Employee app (for employees only) employee_locale First party 30 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
Employee app (for employees only) employee_token First party 15 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
Adviser app (for advisers only) User_id First party 30 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
Adviser app (for advisers only) user_token First party 15 mins Stores a unique identifiers in order to recognize a user across the website and provide a consistent experience tailored to their role.
User centrics Uc-controller-id Third party 1 year This cookie is set by Usercentrics to manage and store user consent preferences.
Cloudflare _cfuvid Third party Session identify and verify trusted web traffic, enhancing website security. It helps differentiate legitimate users from malicious actors, ensuring a safe browsing experience.

‍

Functional Cookies

These cookies enable the web application to provide enhanced functionality and personalisation. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.

‍

Group Cookies Used Type Duration Description
Employer app (for employers only) customer_ids First party 30 mins Used to enhance the login experience. If a users session times out they have the option to quickly sign in again.
Employee app (for employees only) employee_ids First party 30 mins Used to enhance the login experience. If a users session times out they have the option to quickly sign in again.
Adviser app (for advisers only) user_ids First party 30 mins Used to enhance the login experience. If a users session times out they have the option to quickly sign in again.
Zendesk __zlcmid, __zlcprivacy First party (third-party provider) 1 year Enables the live chat functionality on the website, allowing users to interact with our support team.

‍

Performance Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our web application. They help us to know which pages are the most and least popular and see how visitors move around the web application. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our web application, and will not be able to monitor its performance.

‍

Group Cookies Used Type Duration Description
Google tag manager _ga, MFUID Third party 1 year Collect anonymised data used to improve and monitor user journeys and behaviour on the website.
linkedin.com bcookie Third party 1 year This domain is owned by LinkedIn, the business networking platform. It typically acts as a third party host where website owners have placed one of its content sharing buttons in their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or agreed to their terms and conditions. For this reason it is classified as a primarily tracking/targeting domain.
smart.co _gid, _ga_xxxxxxxxxx First party A few seconds - It appears to store and update a unique value for each page visited.
- To generate statistical data on how the visitor uses the Service.
PostHog ph_phc_* First party (third-party provider) 1 year Collect pseudonymised data used to improve and monitor user journeys and behaviour on the website.
Last updated:
September 28, 2026

Related articles

No items found.
Thank you for your feedback!
Oops! Something went wrong while submitting the form.