# Smart Pension **Canonical:** https://apis.io/providers/smart-pension/ **Website:** https://www.smartpension.co.uk/ **APIs profiled:** 149 Smart Pension is a UK defined contribution workplace pension master trust operated by Smart Pension Limited (Smart Group), managing pensions for millions of UK savers on behalf of over 90,000 employers. Its API surface is the Keystone API — the same public REST API that powers Smart's own employer, employee and adviser portals — published by Keystone, Smart's proprietary savings administration platform, which also runs retirement solutions for financial institutions and governments outside the UK. The API lets payroll software, HR and employee-benefits platforms, advisers and banking apps create and manage companies (employers), employees (members), contributions, assessment and auto-enrolment data, postponements, opt-ins and opt-outs, valuations, funds and bank details, either as a full integration that provisions schemes end to end or as a light integration that posts PAPDIS contribution files. Authentication is OAuth 2.0 (authorization code for user-context apps, client credentials for machine-to-machine partners), with three sandboxed environments and self-serve partner registration. ## Kin Score — 57.3 / 100 (strong) Scored 2026-08-12 under rubric 0.11.0. Trend: flat (+0.0 from 57.3). | Facet | Score | |---|---| | Discoverability | 87.0 | | Contract Quality | 53.0 | | Governance | 20.8 | | Operational Transparency | 63.2 | | Developer Ergonomics | 62.5 | | Commercial Clarity | 60.5 | ## Agent readiness — 51.6 (agent-ready) | Dimension | Value | |---|---| | Spec Presence | yes | | Agentic Access | derived | | MCP Server | derived | | Auth Clarity | yes | | Idempotency | no | | Error Semantics | verified | | OpenAPI Examples | verified | | Rate Limit Signal | documented | | Event Surface Described | no | | Agent Skills | derived | | Well Known Catalog | yes | | Consent Identity | no | | Agent Card | no | | Dry Run Mode | no | ## APIs (149) - **Smart Pension Account Claiming API** — The Account-Claiming API from Smart Pension — 8 operation(s) for account-claiming. - **Smart Pension Accounts API** — The Accounts API from Smart Pension — 1 operation(s) for accounts. - **Smart Pension Account Subaccounts Switch Plans API** — The AccountSubaccountsSwitchPlans API from Smart Pension — 2 operation(s) for accountsubaccountsswitchplans. - **Smart Pension Additional Tax Residences API** — The AdditionalTaxResidences API from Smart Pension — 2 operation(s) for additionaltaxresidences. - **Smart Pension Add Money Forms API** — The AddMoneyForms API from Smart Pension — 2 operation(s) for addmoneyforms. - **Smart Pension Adviser API** — The Adviser API from Smart Pension — 4 operation(s) for adviser. - **Smart Pension Adviser Companies API** — The AdviserCompanies API from Smart Pension — 2 operation(s) for advisercompanies. - **Smart Pension Adviser Exports API** — The AdviserExports API from Smart Pension — 1 operation(s) for adviserexports. - **Smart Pension Adviser Invitations API** — The AdviserInvitations API from Smart Pension — 2 operation(s) for adviserinvitations. - **Smart Pension Advisers API** — The Advisers API from Smart Pension — 2 operation(s) for advisers. - **Smart Pension Assessments API** — The Assessments API from Smart Pension — 2 operation(s) for assessments. - **Smart Pension Available Funds API** — The AvailableFunds API from Smart Pension — 1 operation(s) for availablefunds. - **Smart Pension Available Glidepath API** — The AvailableGlidepath API from Smart Pension — 1 operation(s) for availableglidepath. - **Smart Pension Available Withdrawal Options API** — The AvailableWithdrawalOptions API from Smart Pension — 1 operation(s) for availablewithdrawaloptions. - **Smart Pension Bank Account Detail API** — The BankAccountDetail API from Smart Pension — 2 operation(s) for bankaccountdetail. - **Smart Pension Bank Account Details API** — The BankAccountDetails API from Smart Pension — 4 operation(s) for bankaccountdetails. - **Smart Pension Batch API** — The Batch API from Smart Pension — 1 operation(s) for batch. - **Smart Pension Benefit API** — The Benefit API from Smart Pension — 3 operation(s) for benefit. - **Smart Pension Benefit Categories API** — The BenefitCategories API from Smart Pension — 2 operation(s) for benefitcategories. - **Smart Pension Benefit Check Results API** — The BenefitCheckResults API from Smart Pension — 2 operation(s) for benefitcheckresults. - **Smart Pension Benefit Evidence Types API** — The BenefitEvidenceTypes API from Smart Pension — 1 operation(s) for benefitevidencetypes. - **Smart Pension Benefit Form API** — The BenefitForm API from Smart Pension — 9 operation(s) for benefitform. - **Smart Pension Benefit Group Auto Allocator Results API** — The BenefitGroupAutoAllocatorResults API from Smart Pension — 2 operation(s) for benefitgroupautoallocatorresults. - **Smart Pension Benefit Groups API** — The BenefitGroups API from Smart Pension — 3 operation(s) for benefitgroups. - **Smart Pension Benefit Money Out State API** — The BenefitMoneyOutState API from Smart Pension — 1 operation(s) for benefitmoneyoutstate. - **Smart Pension Benefits API** — The Benefits API from Smart Pension — 2 operation(s) for benefits. - **Smart Pension Benefit Schedule API** — The BenefitSchedule API from Smart Pension — 1 operation(s) for benefitschedule. - **Smart Pension Benefit Statements API** — The BenefitStatements API from Smart Pension — 3 operation(s) for benefitstatements. - **Smart Pension Cities API** — The Cities API from Smart Pension — 1 operation(s) for cities. - **Smart Pension Companies API** — The Companies API from Smart Pension — 2 operation(s) for companies. - **Smart Pension Company API** — The Company API from Smart Pension — 3 operation(s) for company. - **Smart Pension Company Automations API** — The CompanyAutomations API from Smart Pension — 1 operation(s) for companyautomations. - **Smart Pension Company Branding API** — The CompanyBranding API from Smart Pension — 1 operation(s) for companybranding. - **Smart Pension Company Branding Stocks API** — The CompanyBrandingStocks API from Smart Pension — 1 operation(s) for companybrandingstocks. - **Smart Pension Company Exports API** — The CompanyExports API from Smart Pension — 2 operation(s) for companyexports. - **Smart Pension Company Fees API** — The CompanyFees API from Smart Pension — 2 operation(s) for companyfees. - **Smart Pension Company Lookup API** — The CompanyLookup API from Smart Pension — 2 operation(s) for companylookup. - **Smart Pension Company Lookups API** — The CompanyLookups API from Smart Pension — 1 operation(s) for companylookups. - **Smart Pension Company Rules API** — The CompanyRules API from Smart Pension — 1 operation(s) for companyrules. - **Smart Pension Company Scheme Details API** — The CompanySchemeDetails API from Smart Pension — 1 operation(s) for companyschemedetails. - …and 109 more, listed in full on the page. ## MCP servers (1) - **smart-pension-mcp.yml** ## Agentic access (1) - **Smart Pension Agentic Access** — 383 operations · 180 acting ## Security (4) - **Smart Pension Authentication** — oauth2 · 1 scheme - **Smart Pension Domain Security** — TLSv1.3 · HSTS · DMARC - **Smart Pension Vulnerability Disclosure** — Intigriti · security.txt · contact published - **Smart Pension Trust Center** — ISO 27001:2022, SOC 2 Type 2 ## Tags pensions, retirement, workplace-pension, auto-enrolment, payroll, fintech, financial-services, united-kingdom, master-trust, employee-benefits, contributions, papdis --- Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/smart-pension/). Scores are computed from the provider's own public artifacts under a published rubric.