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Smart Pension

A modern pension for umbrella companies

Smart Pension is transforming retirement, savings and financial wellbeing, across all generations. We’ve rapidly become one of the largest workplace pension providers in the UK, with backing from global financial giants including Barclays, J.P. Morgan and Legal & General. We now look after the retirement savings of more than a million people.

Why choose Smart Pension? 

  • Stay compliant – Fulfil your legal duties and stay compliant with workplace pension law, all within minutes.

  • Simple payroll integration – Our one-click API integration with many major payroll software providers makes running pension admin hassle-free every month.

  • Get value for money – Our digital-first technology makes us extremely efficient, so we can keep our charges low. Many companies switch to Smart Pension simply to reduce the pension charges their employees pay.

  • Technology and innovation – We favour online solutions and invest heavily in user research, making pensions easier for everyone.

Exclusive discount* available to Professional Passport clients:

As an approved provider of Professional Passport, we are offering your contractors a reduced monthly member charge of just £1, as opposed to our standard £1.25 charge (20% discount), and an annual management charge of just 0.30% on investment funds for members who remain in the default investment strategy. 

As an employer, you will also benefit from no set-up charge and assisted onboarding with a dedicated point of contact. 

Give your contractors access to modern features with Smart Pension

  • An award-winning online platform – It’s easy for members to access their account in real-time using their phone, tablet or laptop. 

  • Tackling climate change – Every penny in our default strategy is invested in a sustainable way, and we plan to be net zero by 2040. It means that pension savings make a positive difference to society and our planet whilst also delivering a strong financial return.

  • Financial wellbeing for members – Meaningful financial support is provided for all members, because it's important to us that they feel confident with their money.

  • Smart Rewards for members – A free benefit for members, with over 1,200 rewards, helping them to save an average of £400 a year in discounts at major retailers.

Find out more


*Terms and conditions apply.

  • Smart Pension Limited reserves the right to make changes to the terms and conditions of its products from time to time in accordance with the Terms of Use
  • We will provide one month’s notice of any change to the charges as set out in the Terms of Use.
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Innovator of the Year 2008 & finalist 2009
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