Welcome to Thrive

Thrive is a financial wellbeing solution, uniquely combining a workplace pension, benefits and financial education. Using intuitive technology, it empowers employees to take control of their finances whilst giving businesses what they need to simplify admin and increase productivity.

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Discover Thrive features

A better pension experience for you and your team.

Save on National Insurance
Cut costs by up to 15% with built-in salary exchange with easy setup.
‍Cut admin and clunky systems
Manage everything in one platform, with smart automations that save time.
Engage your team
Let them track progress, update contributions, switch funds, and find lost pots, all in the Thrive app.
Upgrade your pension provider
We’ve partnered with Smart Pension to bring you a smoother, smarter experience.

Power up your pension

Make benefits simpler to offer

Give your team benefits they’ll actually use with one easy-to-access marketplace.

Offer perks tax efficiently and save on National Insurance.

Replace scattered PDFs and spreadsheets and manage everything in one place in the Thrive portal.

See what’s working in real time and refine what you offer.

Bring benefits to life

Support your team's financial confidence

Learn in the Thrive Academy
Bite-sized lessons on everything from budgeting to investing.

Free financial coaching
Real conversations with real coaches, 100% confidential with instant booking in the app

Financial advisers
When formal advice and recommendations are needed, there’s an easy referral process.

Unlock money confidence

How Thrive works for you

Employers

Make admin lighter and your team happier.

Save up to 15% on NI with built-in salary exchange.
Cut clunky platforms (and costs)
Run pensions, perks and payroll in one place.

Learn more

Employees

Improve financial wellbeing

See your pension, investments and benefits in one app.
Chat to real coaches when you need support.
Build confidence through the Thrive Academy.

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Partners

Spread the word, earn rewards

Open up a new revenue stream with Thrive referrals.
Offer clients a smarter way to manage pensions and benefits.
Grow your business by expanding your offering.

Learn more

Why choose Thrive?

Created by an FCA-regulated investment business

Thrive is built by the team behind Blackfinch Group, managing nearly £1bn in assets, giving us deep expertise in investment, governance and risk.

Delivered in partnership with Smart Pension

We’ve teamed up with Smart Pension, an award-winning provider, trusted by over a million savers.

Real coaches and regulated advice

Employees can talk to real financial coaches and FCA-regulated advisers, whenever they need support.

Transparent pricing, measurable ROI

0.6% flat AMC, no employer setup or monthly fees

Unlock salary exchange for SMEs

Most SMEs miss out. We set it up, train your payroll team and handle the comms, unlocking up to 15% NI savings.

Why choose Thrive?

Built for your business. Designed for your team. Thrive uniquely combines your workplace pension, benefits, and financial education into one intuitive solution. Simplify your admin, boost employee engagement, and improve financial wellbeing effortlessly.

39%

Of people do not know where their pension is invested. Thrive’s transparency when it comes to your employee’s pensions changes that.

“Thrive is all about making things quicker, simpler and more accurate. We know that dealing with pensions and benefits can be resource draining for employers and confusing for employees. We feel that we can change that.”

Nick Neves

Delivery Director

What does financial wellbeing look like in your team?

Money stress doesn’t stay at home. It affects how your team shows up, engages, and performs. But most workplaces aren’t set up to help.

70% of employees say money worries negatively affect their work (CIPD)

Less than 10% of UK employees have access to any form of financial coaching (OpenMoney)

71% of workers are ready to leave their role due to poor access to benefits (Unum)

90% say their workplace pension influences their decision to stay or leave a job (Aviva)

The Thrive experience

If you’ve inherited clunky systems and patchy spreadsheets, you’ll like this bit.
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‍The Thrive portal gives you a live dashboard to track engagement, costs and contributions, all in one place.
Your team gets the Thrive app: their personal hub for pensions, savings, coaching and support.
Simple to use. Fast to load. Ready to download to their device. Exactly how it should be.

The Thrive employee app

Giving your team the tools to feel confident and in control.

TheThrive employer portal.
Saving your business time and money.

Manage, update and consolidate pensions

Access coaches for real, practicalsupport

Learn through bite-sized content in theThrive Academy

Get easy referrals to independentfinancial advisers

Learn more

The employer dashboard

FULL VISIBILITY. REAL RESULTS.

Our employer dashboard gives you clear, real-time insights into your team’s engagement with their pension, benefits, and financial education.

Easily track usage, ROI, and pension sign-ups.
Speed up admin and reduce errors.
Reduce the number of systems you use.
See what’s working and what’s not.

Simple, scalable, and handles the hard work for you.

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Frequently asked questions

More questions about Thrive? Here are some commonly asked questions about our platform.

What size of organisation does Thrive support?

Small to medium-sized employers and larger enterprises.

Do we need specialised staff to manage Thrive?

No. Thrive integrates with your systems and requires minimal training.

How does salary sacrifice work?

Thrive automates contributions and compliance for significant savings.

Is Thrive compliant with regulations?

Yes, it follows guidelines from The Pensions Regulator and HMRC.

Welcome to Thrive

Too much admin? Benefits no one’s using? Team worrying about money?​

A better pension experience for you and your team.

Make benefits simpler to offer ​

Support your team's financial confidence​

How Thrive works for you

Why choose Thrive?

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Handy hints to help your business & your team thrive

Too much admin? Benefits no one’s using? Team worrying about money?

Make benefits simpler to offer

Support your team's financial confidence