Smart Pension

Smart Pension, workplace pension provider in the United Kingdom

Smart Pension is a UK workplace pension provider operating a defined contribution master trust aimed at employers of all sizes. The entity presents itself as one of the country's largest and fastest-growing pension providers and states it has 100,000 employers and two million people saving for retirement through its platform. The Smart Pension Master Trust is authorised and supervised by The Pensions Regulator.

Service structure for employers, members and advisers

The company organises its activity around three distinct audiences. For employers, it offers the setup of a workplace pension and scheme management tools. For members, access to the personal pension account, investment management, pension transfers and retirement options. For advisers — accountants, independent financial advisers (IFAs) and payroll companies — it facilitates setting up schemes for their clients and managing client portfolios.

Digital approach and mobile app

Smart Pension describes itself as a digital first company, not digital only, and combines technology with access to human support. Members can make changes to their pension instantly through the Smart Pension app or the online account. The app has a rating of 4.6 on iPhone and 4.4 on Android, and according to the site's data it has more than 250,000 users.

Payroll integration and salary sacrifice

The platform integrates with payroll software to automate routine tasks and streamline employer administration. It also offers salary sacrifice as a standard option, a mechanism through which the company and employees can reduce their National Insurance (NI) contributions.

Investments, retirement and governance

The firm manages investment strategies built and governed with the stated aim of achieving positive long-term outcomes. In the retirement area it offers various options, practical support and integrated planning tools. The site also mentions a support service for savers approaching retirement and an investment strategy linked to tokenised renewable energy. Expert governance and technological efficiency are presented as factors that keep costs low for members.

Scale data and awards

According to published information, the entity manages £10 billion in assets and has 100,000 employers and two million members, with data updated as of June 2026. The workplace pension has received the Defaqto 5 Star Expert rating for 2026. The company also mentions backing from global financial investors and a double distinction in the Investor in Customers Awards.

Editorial and research activity

Smart Pension maintains a news and insights section with corporate milestones and market studies. Among the topics published are the transfer of £650 million in assets, the gender and ethnicity pension gap and collaboration to develop tokenised renewable energy.

Location and contact

136 George Street, London, W1H 5LD, United Kingdom