When you're ready to use Smart Retire we need to:

• create your online account
• confirm your details, including your National Insurance number
• ask a few questions to confirm your eligibility

This will take around 20 minutes.

We also need to check your identity before we set up your account. We can normally do this
online, but may need to give you a call and ask you to send us some documents.

Once we’ve received all the documents we need from you, it takes up to 15 working days to create your Smart Retire account. We'll send you an email once your application is complete.

If you have several pensions it could be worth consolidating them before joining Smart Retire. This includes other pensions you have with Smart Pension.

Transferring pensions to us is a straightforward process. All you need to do is tell us which ones you want to transfer and we’ll do the rest. And if you have any questions, our friendly staff are here to help.

There is no lower or upper limit to join Smart Retire, it’s open to all members of Smart Pension Master Trust.

You need to be a member of the Smart Pension Master Trust to join Smart Retire.

You have to be 55 years old or above to join Smart Retire.