Frequently asked questions

Got a question?

Here you can find guidance and answers on how to use Smart Retire.

See if you’re eligible to join Smart Retire and what you need to apply.

Help using the flexible income, later life, inheritance and rainy day pots.

Change your regular income, take a lump sum or transfer out of Smart Retire.

What happens if you continue contributing to a pension scheme and transfers in.

How we calculate income tax and if beneficiaries pay inheritance tax.

What happens to your account if you become seriously ill or die.

Apply in three simple steps

Discover how you could combine your retirement options with Smart Retire.

1. Build an

illustration

See how much you could get in retirement with a no-obligation illustration.

2. Tell us about yourself

Complete our straightforward online application form.

3. Start using Smart Retire

That’s it - you can now start using Smart Retire to manage your money.