# Smart Pension — Official Smart Pension App

> Workplace pension management, investment tracking, and member benefits. (iPhone/iPad app by Smart Pension Limited.)

- Source: https://appshunter.io/ios/app/smart-pension/id1293678839 (this page in markdown: same URL + `.md`)
- Developer: [Smart Pension Limited](https://appshunter.io/developer/1293678838)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 5.00/5 from 5 App Store ratings · 67 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 86 MB
- Languages: American English
- Released: 2018-08-01
- Data updated: 2026-09-04
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/smart-pension/id1293678839/reviews.md

## What is Smart Pension?

The Smart Pension Employee App will transform the future of pension saving for a new generation. It allows you to pick and choose the most suitable investment funds, track your pension balance in real time on your phone and increase contribution levels when you can afford it. Engaging you with your pension like never before!

Key features:
1. Enhanced security:
• Face ID
• Touch ID
• Password
2. Real-time access to pension fund valuations, to check how much your pension pot is worth.
3. Immediate updating of fund selection, strategy & contributions.

But that’s not all... It can also be used to:
• Access to Smart Rewards for discounts across thousands of shops & websites
• Access live chat with our dedicated customer service team
• Read your notifications and letters
• Manage your membership, update your personal details & your beneficiary's details
• Change your security preferences

Note:
Currently, you must be a member of a Smart Pension workplace pension scheme to use this App.

## Key features

- Real-time pension balance tracking
- Investment fund selection
- Contribution level adjustments
- Enhanced security features (Face ID, Touch ID)
- Access to exclusive discounts
- Live chat customer support

## What do users think of Smart Pension?

Overall sentiment: negative

**Pros**

- 👍 Easy to use
- 💡 Pension calculator helpful
- 📈 Up-to-date values
- 📱 Convenient mobile access
- 💻 Can do same as computer
- 🔄 Easy to navigate
- 💰 Easy to transfer pensions
- 📊 Motivating growth graph
- 🔒 Easy biometric login
- 🏠 Great self-service
- ✅ Easy to track value
- 🚀 Quick access to pension
- 💡 Insightful pension snapshot
- ✨ Well-designed app

**Cons**

- 🐛 App crashes frequently
- 🐛 App not loading
- 🐛 Login issues
- 🐛 App freezes
- 🐛 Basic functionalities not working
- 🐛 Lack of detail
- 🐛 App is a website wrapper
- 🐛 Glitchy UI
- 🐛 Poor performance
- 🐛 Annoying cookie warnings
- 🐛 Loses login session
- 🐛 Slow to load
- 🐛 App doesn't fit screen
- 🐛 UI feels outdated
- 🐛 Missing key features
- 🐛 Frustrating login process
- 🐛 Poor investment returns

**Commonly reported bugs**

- App crashes shortly after launch
- App never lets you update details
- Cannot log into the app after recent update
- App or website will not load
- Stuck on loading screen
- Transaction or growth details not showing
- Redirected to transaction tab and stuck on loading wheel
- Cannot edit beneficiaries
- App opens website via browser embed and is glitchy
- Unable to access the App, stuck on Smart logo
- Takes forever to log in and stuck on login screen
- App hasn’t been able to pass the 1st screen
- Worked OK for a few months, now won’t open
- Not able to access account through the app for days
- Doesn’t function any longer
- Latest version doesn’t load up
- App is not loading
- App no longer works
- Won’t open beyond the company logo
- Stuck on the opening screen after update
- App literally “blue screens”
- App frequently freezes on a dark blue screen
- App freezes on opening screen
- App closes as soon as I try to open
- App freezes when it first opens or when using features
- App doesn’t fit properly on screen
- Have to close and reopen app to get back to main screen
- Back arrow at the top of screen, cannot press it
- Crashes out on load
- Crash upon first launch after install
- Takes ages to load and sometimes can’t log in
- Dashboard UI is like from 90’s
- Information missing, cannot update fund value
- Cannot find option to message customer service
- App stuck on a message with no back button
- Login with Google account not supported, app stuck on Google Developers website
- Hasn’t worked since getting iPhone 11
- Takes a long time to login
- Keeps logging out
- Error when logging in with normal details
- After updating, have to re-enter biometrics
- Login keeps asking for biometric and then password
- Can’t open app
- Cannot see beyond the front page
- App stops working
- Unable to login after upgrading
- App is slow

**Most requested features**

- Show profit or loss on investment
- Receive notification for new contribution
- Improve app design and UI
- Implement in-app form for pension transfers
- Add dark mode

## Recent user reviews (10 of 67)

All indexed reviews: https://appshunter.io/ios/app/smart-pension/id1293678839/reviews.md

### 5/5 — Brilliant Company & App

*2026-07-23*

I paid into this Pension provider for a few years and have now retired from the company I worked for. I left the money in this account and it is growing.

### 1/5 — Updated and completely broken

*2026-03-09, version 6.3.0*

Since updating the app crashes shortly after launch. I tried uninstalling and reinstalling and still broken. I now have no visibility on my pension.

### 2/5 — Always a problem

*2026-02-13*

App never lets you update details or check your forecast for the future and say problems try again after which you can not get back to the app without out closing completely go back to the old version it was better

**Developer response:** We hope this issue has resolved by now. If not, could you please try completely uninstalling the app and installing the latest version? If the issue persists, feel free to reach out to us directly via our support form: https://www.smartpension.co.uk/contact-forms/member

### 5/5 — Great way to control your pension

*2026-01-15*

I was tired of just receiving one letter every year about my pension with my previous provider. Now, with this app I’m in control of my investment 24/7 and if markets go up and down I can take the right decision where to invest my pension 😎

**Developer response:** Thanks for your positive feedback, it's great to hear!

### 2/5 — Log in stopped working

*2026-01-14*

App is okay. Quite basic and likely using app wrappers around web pages (constantly asking for cookie acceptance). Lots of potential for it to be way better.

Since recent update, I can’t log into the app. Still works on browser. Sort please.

**Developer response:** Hi bencurzon, thanks for your feedback. We're always improving our app but you're right, not all of our pages are native yet - we're working on it. With regard to the problem logging in, please try deleting the app and re-downloading it. If the issue persists, feel free to reach out to us directly via our support form: https://www.smartpension.co.uk/contact-forms/member.

### 1/5 — App or website will not load

*2026-01-06, version 5.7.0*

I cannot access anything! Stuck on loading

### 1/5 — Lack of detail

*2025-11-10, version 5.7.0*

Very poor appt, not showing any other details like transactions or growth

### 2/5 — Uninstalled after a few minutes of usage

*2025-10-26*

Installed it for the very first time ever but some of the basic functionalities didn’t even work so I’ll just stick to the website instead. When you click on the line chart showing your pension growth you get redirected to the transaction tab but it stays stuck on the loading wheel. Tried to edit beneficiaries but couldn’t even update a name nor select a title. So just gave up.

**Developer response:** Hi Sparmaham, sorry to hear that the app isn't working as expected. The quickest way to fix this is to delete and re-download the app. If the issue persists, feel free to reach out to us directly via our support form: https://www.smartpension.co.uk/contact-forms/member.

### 1/5 — Not an app, only a link to their website

*2025-07-31*

The app just opens their website via a browser embed, offering no discernable additional benefits compared with opening in the browser. In fact its more glitchy, with issues such as not being able to even type into some of the required fields.

### 3/5 — App not working

*2025-07-28*

For some reason I am unable to access the App. There is only the Smart logo showing on the screen with no way of searching for assistance.

## Frequently asked questions about Smart Pension

### What does the Smart Pension Employee App do?

The app allows members of a Smart Pension workplace pension scheme to manage their savings. You can track your pension balance in real-time, choose investment funds, and adjust your contribution levels. It also provides access to member benefits and customer support.

### What are the key features of the app?

Key features include real-time access to your pension fund valuations, the ability to update fund selection and contributions, and enhanced security options like Face ID and Touch ID. You can also access Smart Rewards for discounts and live chat with customer service.

### Is the Smart Pension Employee App free to use?

Yes, the app is free to download and use for eligible members. There are no in-app purchases or advertisements mentioned in the provided description.

### Who can use the Smart Pension Employee App?

Currently, the app is exclusively for individuals who are members of a Smart Pension workplace pension scheme. You must be enrolled in such a scheme to access its features.

### How can I manage my pension contributions?

You can easily manage your pension contributions through the app. The platform allows you to increase your contribution levels when you can afford to, helping you grow your pension pot more effectively.

## Version history (last 5 releases)

### 6.9.0 — 2026-08-12

We have made small fixes and improvements to keep everything running reliably.

### 6.8.0 — 2026-07-09

Migrated the Pension balance, transactions, and retirement age journeys to a native experience for faster performance. 
Fixed an issue with Google Password Manager when updating your password within the app.
We’ve also made small fixes and improvements to keep everything running reliably.

### 6.7.0 — 2026-06-09

Resolved an issue where users were logged out after the app was left in the background or the device was locked.
Fixed crashes that occurred when enabling or using biometrics on a cold start.
Added more user friendly error messaging.
We’ve also made small improvements to keep everything running reliably.

### 6.6.0 — 2026-06-04

All branding has been refreshed. 
Improved app update messaging helps members stay on supported versions.
We’ve also made small fixes and improvements to keep everything running reliably.

### 6.5.0 — 2026-05-05

Migrated the Beneficiaries journey to a native experience for better interaction.

Migrated the cookie consent screen to a native experience for a smoother, faster response.

Updated the Account side menu to improve scrolling and navigation.

Added the app version number to the side menu for easy reference.

We’ve also made small fixes and improvements to keep everything running reliably.

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## Related topics

[pension](https://appshunter.io/ios/topics/pension)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*