Make

pensions clearer.

benefits smarter.

wellbeing stronger.

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.

Speak to the team

Discover Thrive features

A better pension experience

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: Provide meaningful perks your team can access easily, all in one place.

Streamline admin: Replace scattered PDFs and spreadsheets by managing everything together in the Thrive portal.

See what’s working: Review performance in real time and refine what you offer based on what your team values.

Save on National Insurance: Offer benefits in a tax-efficient way and reduce NI costs at the same time.

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.

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.

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.

Why choose Thrive?

Built with real financial expertise

Thrive is built by the team behind Blackfinch Group, an FCA-regulated investment business, and delivered with Smart Pension, an award-winning provider trusted by over a million savers.

Built for growing SMEs

Made for teams of 50–500 who want a modern, joined-up approach to pensions, benefits and financial wellbeing, without enterprise-level cost or complexity.

Less admin. More time back.

Automate pension uploads, stay compliant with HMRC-approved schemes and plug straight into your payroll and HR systems. Less faff for HR and Finance, more time for the work that matters.

Fair transparent pricing

A flat 0.6% AMC and no employer setup or monthly fees. No surprises, ever.

Real coaches and regulated advice

Your team get access to real financial coaches and FCA-regulated advisers whenever they need a hand.

A simpler way for people to engage

A single app where people can track their benefits, manage contributions and get real support — making financial wellbeing part of everyday life.

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.

Manage, update and consolidate pensions.

Access coaches for real, practical support.

Learn through bite-sized content in the Thrive Academy

Get easy referrals to independent financial advisers

Learn more

The Thrive employer portal

Saving your business time and money.

Tracks pension engagement and opt-in

Stay on top of contributions and costs

See benefit ROI

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.

Learn more

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.

Too much admin? Benefits unused? Money worries?

A better pension experience

Make benefits simpler to offer ​

Support your team's financial confidence​

How Thrive works for you

Why choose Thrive?

Too much admin?
Benefits unused? Money worries?

Make benefits simpler to offer

Support your team's financial confidence