Smart Pension

Be careful you will not see your money never

This is the most annoying app ever . I set it up every few weeks because after a short time I go to log in and it will say email address incorrect or password incorrect. That makes no sense so then I have to sign in through google now every time. In a nutshell it’s the pits

This app literally “blue screens” every other time I open it and cannot be used.

This has to be the worst investment platform and app I’ve ever seen. You can’t even see basic information like investment return or graph or really anything useful. It’s like they don’t want to show how poor the performance of the funds they offer are or how much they charge you. Since it’s your employer that decide to use Smart Pensions, you don’t have a choice and that’s likely why they provide the bare minimum and don’t bother improving anything.

Easy to login, use and change investments but it’s missing a very key feature - showing how much profit or loss you have made from your investment which is bizarre to me. It’s like a savings account not showing you the interest rate.

This app appears to be a fairly thin wrapper around the Smart Pension website. Annoyingly this means you’ll be presented with the cookie warning popup every time you use the app (due to stupid EU regulations). Also the app frequently freezes on a dark blue screen when I open it. And it often loses my login session, meaning I have to provide my details again and enable biometrics every time. The app experience could be so much better if they invested in it. It’s probably easier just to use the website in Safari.

I find this really easy to use, it’s got great self-serve capability and I use it like I use my banking apps

Easy access via mobile biometrics to stay in touch with my pension

Simple to login using Face ID, and easy to use to track my pension value.

Since I started working I’ve always had a workplace pension but have never known how much I had in my pot… or even which provider I was with in some jobs! I like that I can give it a quick check every now and then to see how much I have. It’s easy to navigate around and better than searching through paperwork to find details for things.