How to find a Smart Pension pension
It’s easier than you might think to lose track of old pension pots. People move house, change jobs, and forget about the retirement plans they set up years ago. If a previous employer used Smart Pension, there’s a good chance you have money saved there. Here’s how to locate your Smart Pension.
What is a “lost pension”?
A lost pension is any retirement fund you’re no longer actively monitoring. Even if you’ve misplaced the details or never received them, your savings still belong to you. Reconnecting with your pension can give you a more complete view of your retirement finances.
Reasons to Trace Your Smart Pension
You might want to track down your pension if:
You’ve changed jobs and had a workplace pension set up through Smart Pension.
You suspect you have multiple pots and want to consolidate them.
You’ve moved house, so Smart Pension’s records may be outdated.
You’re reviewing your overall retirement plans and want full visibility.
Steps to Find Your Smart Pension
Smart Pension Online Invite
Smart Pension offers an online platform where members can log in and view their pension details. However, the only way to gain access is with an activation invite—usually sent when your employer first signs you up for the scheme.
If you never received or no longer have your invite (email or letter), you’ll need to contact your old employer or call Smart Pension’s customer service team.
Without an activation invite, you won’t be able to sign up for the online platform on your own.
Once you have the invite, you can activate your account online, then log in to check your contributions and balance.
Call Smart Pension Customer Services
If you’re not sure about your policy details or you never received an activation invite, you can call Smart Pension’s customer service on 0333 666 2626. They’ll need information like:
Full name
Date of birth
National Insurance number
Your current or previous addresses
They can confirm whether you have a pension in their system and advise on the next steps to access it.
Use a Financial Adviser
You can hire an independent financial adviser (IFA) to locate your pensions, including any with Smart Pension. Typically, they’ll send Letters of Authority to providers, requesting details on your behalf. Keep in mind:
IFAs charge fees for their services.
They can offer professional advice on pension consolidation and retirement planning.
For those who prefer hands-on guidance, this option may be worthwhile.
Look Through Old Paperwork
When your employer set you up on Smart Pension, you should have received a welcome pack—often followed by annual statements or other documents. These might contain important details such as policy references. If you still have them, you can use that information to either request a new online activation invite or provide evidence when calling customer services.
Use Penny (or a Similar Service)
Services like Penny can automatically track down lost pensions on your behalf, using your personal data and work history to identify pots with most workplace providers—including Smart Pension. This saves time and effort if you suspect you have multiple pensions dotted around.
Ready to Trace Your Smart Pension?
Whether you choose to chase down an activation invite, make a phone call, consult a financial adviser, dig up old paperwork, or use a tracing service, discovering your Smart Pension could be the missing piece in your retirement puzzle. If you think you have a pot with Smart Pension, why not start now? It’s a simple but important step toward a clearer picture of your financial future.
