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Smart Pension

At Smart Pension, our mission is to transform pensions, saving and financial well-being across all generations, around the world.

We’ve grown to become one of the largest pension providers in the UK, operating a master trust scheme for hundreds of thousands of members. Our investors include J.P. Morgan, Legal & General and Link Group – three of the world’s largest financial services companies.

All employers and umbrella companies are now legally required to follow requirements set by The Pensions Regulator to offer a workplace pension scheme to their employees.

If you’re an employer, an adviser or an umbrella company, you’ll find our scheme easy to set up, manage and use – and it won’t cost you a penny. You can set up a scheme and tick all the legal compliance boxes within minutes, thanks to our dedicated support team who are there to help all FCSA members.

With Smart Pension, you can be confident that you are complying with all workplace pension regulation – leaving you free to get on with running your business. Everything is included in our offering, from mandatory communications to your contractors through to managing the opt-out processes. Our master trust was authorised by The Pensions Regulator in 2019.

We’re delighted to be the only pension provider partnered with the FCSA, and proud to offer:

  • An award-winning and digital-first experience for both you and your clients, before and after retirement.
  • Simple and secure processes, thanks to a commitment to technology, strong governance and customer service.
  • The ability to adapt to meet your needs in the future, thanks to a member-centric culture of innovation, improvement and evolution.

In a nutshell, Smart Pension offers a secure pension scheme that protects members’ financial futures, looks after their investments, increases their engagement and will always be great value for money.


  • Pension
  • Auto enrolment
  • Member app
  • Employee Benefits

FCSA Members’ Offer

Smart Pension offers contractors secure and great value for money pension schemes, available through their umbrella agency. We have negotiated a preferential member rate – specifically for FCSA accredited members.

Our member monthly charge will be £1 per month, which is a 20% discount from our standard member charge.