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Smart Pension


Smart Pension offer a free, fast, efficient and easy to use Workplace Pension Solution that has been purpose built and specifically designed for members of CIPHE

The Only FinTech Company Operating A UK Master Trust

We bring a fresh approach to building DC products, giving your employees what they really want.

We constantly innovate - from the latest tech trends such as voice search and artificial intelligence to growing our employee benefits - meaning our offering always stays fresh.

Pension Management… Anywhere 

Employee Engagement is acknowledged as crucial to success in modern companies.

Our industry-leading pension management app (Android and iPhone) puts members in touch with their pension savings, with up-to-the-minute data, savings visualisations, and the ability to manage their pension directly. 

Members of your scheme will also benefit from free, unlimited access to over 1,200 discounts at almost every major retailer in the UK, on everything from shopping to holidays. The average member could save over £400 a year. More information can be found at

21st Century Member Support

UK-based phone support. Live chat on desktop, tablet, and mobile. Amazon Alexa & Google Home voice controls for instant pension info. Mobile apps on both Android and iPhone.

Our support is technology-enabled and fully personalised, to offer optimum service to members wherever they are. 

Simple Investment Choices, Expert Transition Management

We manage the complexity in the background, giving your employees simple investment choices to match their needs. Competitive fund structure pricing offers them true value, and a trusted name: our options are built using blue-chip funds from Legal & General.

Our transition management team is experienced in managing large asset switches, and can work with you to consolidate your current scheme into your new section of Smart Pension, whether your current arrangement is a Trust or a Group Personal Pension (GPP).

For more information please contact: 

Adam Tudor 
T: 07951461384

Please place CIPHE in the subject line of any emails