Smart Pension

Business Details

Your Workplace Pension Partner

Smart Pension is a fintech company dedicated to transforming retirement savings through innovative digital solutions and expert pension management. Founded by professionals with decades of experience in financial services and pensions, we combine cutting-edge technology with deep industry knowledge to simplify workplace pensions, auto enrolment, and personal retirement planning. Our team includes former regulators, pension consultants, and technology specialists committed to making pensions more accessible, transparent, and efficient for employers and members alike. With a focus on sustainability and financial wellbeing, we offer award-winning investment funds, real-time digital access, and exceptional customer support.

Recognised by The Pensions Regulator and trusted by over 90,000 employers, we prioritise regulatory compliance, member engagement, and value-for-money solutions. Our platform streamlines pension administration through seamless payroll integration, while our Smart Rewards programme provides additional financial benefits to members. Backed by global financial institutions and industry accolades, we continue to lead the evolution of modern pension provision.

Services

Workplace Pensions Auto Enrolment Investment Funds Financial Wellbeing Payroll Integration Sustainable Investments Retirement Planning Member Support Scheme Governance Smart Rewards

Highlights and features

We offer a fully digital pension platform with real-time account management.
Our sustainable investment funds target net zero by 2040.
We provide seamless payroll software integration for employers.
Our customer service team resolves queries in under 6 seconds average wait time.
We support financial wellbeing with exclusive member discounts through Smart Rewards.

Associations and certifications

The Pensions Regulator

What people say

Easy to use app Excellent customer support Quick resolution times Good investment choices Transparent processes

Website

Update Listing

Services

Workplace Pension Schemes

We design and manage compliant workplace pension schemes for UK employers, ensuring seamless auto enrolment and ongoing administration. Our platform automates contributions, integrates with payroll systems, and provides real-time reporting. Employers benefit from reduced administrative burdens and members gain easy access to their pension accounts through our app.

Sustainable Investment Funds

Our investment funds combine financial returns with environmental and social impact, targeting net zero carbon emissions by 2040. Backed by industry-leading research, these funds prioritise companies with strong ESG practices while maintaining competitive performance. Members can track their portfolio's sustainability impact through our digital platform.

Financial Wellbeing Support

We offer tools and resources to improve members' financial literacy, including retirement planning calculators and Smart Rewards discounts. Our platform provides personalised guidance on pension contributions and retirement income options. This holistic approach helps members make informed decisions about their financial future beyond basic pension management.

Payroll Integration

Our API connects directly with major payroll software providers, automating data transfers and reducing manual errors. Employers save time on monthly pension administration while ensuring accurate contribution processing. This integration supports real-time compliance reporting and simplifies year-end procedures for accounting teams.

Smart Rewards Programme

Members access exclusive discounts and cashback offers at 1,400+ retailers, potentially saving 600 annually. This third-party service, provided in partnership with Fizz Benefits, enhances the overall value of pension membership. Benefits include reduced costs on everyday purchases, travel, and financial services.

People

Jamie Fiveash

Chief Executive Officer

With over 30 years in financial services, Jamie leads Smart Pension's strategic growth. He previously oversaw The People's Pension design and brings expertise in accountancy and pension innovation to drive our digital transformation.

Sue Whittington

Chief Operating Officer

Sue focuses on customer-centric operations, leveraging her insurance industry experience from Zurich. She develops commercial strategies to enhance service delivery while maintaining our commitment to putting members' needs first.

Ian Digby

Head of Governance and Regulation

Ian ensures regulatory compliance as former Pensions Regulator relationship manager. He designed industry standards for auto enrolment and master trust authorisation, bringing deep expertise in pension governance frameworks.

Eve Read

Senior Director of Strategic Delivery

Eve leads UK proposition development with 20 years in pensions consulting at Mercer and NEST. She specialises in DC scheme design and digital platform innovation, driving new features for our Keystone technology.

Questions

How do I set up a workplace pension with Smart Pension?

Employers can join online in minutes through our platform. We handle auto enrolment compliance, payroll integration, and ongoing administration support for seamless setup.

What investment options are available?

We offer sustainable funds targeting net zero by 2040, including diversified portfolios with ESG focus. Members can track performance and adjust allocations through our app.

Can I access my pension account outside office hours?

Yes, our digital platform provides 24/7 access to pension accounts, contribution records, and investment options through secure online login.

How are pension charges calculated?

We maintain transparent, competitive fees detailed in our charges document. Costs cover administration, investment management, and platform services with no hidden fees.

What support exists for pension members?

Members receive dedicated assistance through live chat, virtual assistant SAVA, and phone support during business hours, plus online resources and retirement planning tools.

How does Smart Pension handle data security?

We use bank-level encryption and secure ID verification. Compliance with data protection regulations ensures member information remains private and protected at all times.

Videos

Reviews (5)

Write a Review

Sabir Datoo

Jan 24, 2022 Report

Very good help from Orly, she walked through errors and spent time reconciling any errors. Worth calling and trying to speak to her.

Scooby Nomi Wilkinson-Smedley

Jan 14, 2022 Report

Critical:Professionalism,Quality,Responsiveness,Value
Appalling company with very poor customer services and very over priced for a small business. 18 a month for just one employee who does not require a pension. Avoid and go elsewhere where your custom is valued.

Tom P.

Jan 07, 2022 Report

How can You charge me 15GBP+VAT for doing nothing. I have no active employees and You are trying to charge me this. Service charge to make the standards better is the explanation- really?? I have tried to contact no response at all. CHAT? PHONE CALLS?EMAILS? How can You treat customers like this. I do understand You have great example from Government how to treat people. An Absolute shame and scam. Stay back and avoid.

Vectra Management Consultancy

Jan 07, 2022 Report

The cost going up from 0 to 18 is completely unacceptable that too in the middle of a pandemic where small businesses are struggling to survive. We've recommended and added many employers to Smart Pension and now they are making money from our referrals. Absolutely not happy with this but feels helpless as we do not have any idea to stand up against this. No justification for charging 18pm. This is robbing small businesses in daylight as there's nobody to protest. Shame on you guys.

Sarah Johnson

Dec 27, 2021 Report

Positive:Professionalism,Quality,Responsiveness,Value
I am an employer and have just started to manage my employees online, so I needed some help. There customer srvice is great, they are very helpful and talk you through each step while on the phone. Thank you