Joining Smart Retire

What happens when I join Smart Retire?

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.

How long does it take to open a Smart Retire account?

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.

What if I have other Smart Pension accounts, or pensions with other providers?

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.

How much do I need in my Smart Pension account?

You have to have £20,000 or more in your Smart Pension account, before taking any tax-free cash, to join Smart Retire.

Who can join Smart Retire?

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

How old do I have to be to join Smart Retire?

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

Get early access to Smart Retire

Discover how Smart Retire works by taking a test drive

We’re here to help

Have a question about Smart Retire? Our friendly UK-based team is here to help.

Simply send us a secure message using the Contact us button at the bottom of your screen and we'll reply as soon as possible.