Pensions dashboards

Scheme connection information and support

What are pensions dashboards?

Pensions dashboards are a UK Government initiative to help people find and keep track of all their pensions, including their State Pension, in one place. They aim to improve pensions awareness and understanding and help people find lost pension pots. The initial Government sponsored dashboard will be a digital platform which savers will be able to use to see their private and state pension information in one place.

Which schemes are in scope?

All occupational pension schemes with 100 or more ‘relevant’ members are in scope and legally required to connect to the pensions dashboards ecosystem before the connection deadline of 31 October 2026.

Helping schemes connect

Standard Life as part of Phoenix Group is well placed to meet pensions dashboards connection requirements. We have assessed our data and agreed our customer 'matching criteria'. Standard Life's dashboards connection solution will be used across Phoenix Group. Our solution fully complies with Government, regulatory and Data Protection requirements and standards. We can connect your scheme to pensions dashboards for you free of charge, helping you meet your legal and regulatory obligations.

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The connection timeline

The Department for Work and Pensions (DWP) has confirmed the pensions dashboards connection schedule for schemes by type and size. Each scheme has its own 'connect by' date between 30 April 2025 and 30 September 2026.

Schemes can use The Pensions Regulator tool to check their 'connect by date'.

Contract-based schemes

As a volunteer participant, along with other volunteer participants, we are helping refine pensions dashboards processes to ensure smooth connection. Member Data for all FCA (Financial Conduct Authority) regulated contract-based schemes will be uploaded to the dashboard's ecosystem in April 2025 the 'connect by' date for these schemes.

Master Trust schemes

For Standard Life DC Master Trust (DCMT) and Stanplan A schemes, we're preparing for the April 2025 'connect by' date for Master Trust schemes with 20,000 members or more. We're working with Standard Life Master Trust Co. Ltd (SLMTC) to support scheme connection. At this point no action is required from employers.

Own Trust schemes

Trustees for Own Trust schemes are ultimately responsible for making sure their scheme connects with the dashboards on time. To help with this, Standard Life can connect to dashboards on behalf of the scheme, providing member data to pensions dashboards free of charge.

We are contacting Trustees of Own Trust occupational schemes asking them to complete our online Pensions dashboards connection authority form.

Ahead of scheme 'connect by' dates we'll contact scheme trustees who've asked us to connect for them, to confirm their consent to connect and to collect final connection information.

PASA AVC Questionnaire support

If you are a Scheme Trustee looking for support with answers to The Pensions Administration Standards Authority (PASA) Additional Voluntary Contribution (AVC) Schemes Questionnaire, you can find the Phoenix Group response here.

Frequently asked questions

: Pensions dashboards are a government initiative to help people keep track of their pensions through digital apps, websites and other tools. They pull private and state pension data together so people can see all of their pension information in one place. Dashboards are expected to be available for use by 2026 at the earliest.
: The Pensions Dashboards Programme is responsible for developing the required standards, specifications and technical requirements as well as the technology and governance to enable individuals to view all their pensions data via their chosen dashboard. The Pensions Dashboards Programme will not develop a dashboard itself.
: Occupational pension schemes with 100 or more relevant members have a legal responsibility to connect to pensions dashboards.
: Members in your scheme who are still saving for retirement, or members not yet taking retirement income from your scheme, are classed as relevant members.
: For guidance on your pensions dashboards duties and to download a checklist to help you track your progress, visit The Pensions Regulator (TPR) website
: To find out more about how to register for Pensions dashboards and how they’ll be managed, visit The Money and Pensions Service (MaPS) website

Helping schemes connect

We can connect to the dashboards on behalf of your scheme. We’ll continue to manage the flow of the information we hold from your scheme to the dashboards. To do this we’ll need your authorisation and some scheme connection details. Please refer to the terms set out in the Pensions dashboards connection authority form.

If we connect your scheme to pensions dashboards on your behalf on the basis of the standard terms set out in the Pensions dashboards connection authority form, there won’t be any connection cost to your scheme.

If you choose another way to connect your scheme to dashboards, including instructing us on non-standard terms, or ask us to provide data to a third party, we may make a charge to cover any costs we incur.

Phoenix Group are using Pension Fusion - an Integrated Service Provider (ISP) connection solution - to connect all pension schemes to the pensions dashboards ecosystem. This solution is provided by Equisoft, an independent technology provider with specialist resources and a long term track record of delivering to the life and pensions market.

Pension Fusion has been selected as the Phoenix Group connection solution as it offers:

A reputable and recognised connection solution provided by Equisoft
Connection for all Phoenix Group schemes to the pensions dashboards ecosystem, providing:
- flexible, seamless data connections for all scheme types and all data providers
- high speed, high volume resilient, secure and responsive systems capable of managing scale and demand of multi-million dashboard users
- market leading, automated and flexible pension data matching to ensure complete data security and client confidence
A leading ISP for UK pensions dashboards
- half of all UK schemes will be using Pensions Fusion technology to push their data onto pensions dashboards
- Pension Fusion have been selected by over 40 organisations as their connection method to pensions dashboards

You can find out more about Pension Fusion at www.pensionfusion.com

Pension Fusion has been selected as the Phoenix Group connection solution as it offers:

A reputable and recognised connection solution provided by Equisoft
Connection for all Phoenix Group schemes to the pensions dashboards ecosystem, providing:
- flexible, seamless data connections for all scheme types and all data providers
- high speed, high volume resilient, secure and responsive systems capable of managing scale and demand of multi-million dashboard users
- market leading, automated and flexible pension data matching to ensure complete data security and client confidence
A leading ISP for UK pensions dashboards
- half of all UK schemes will be using Pensions Fusion technology to push their data onto pensions dashboards
- Pension Fusion have been selected by over 40 organisations as their connection method to pensions dashboards

You can find out more about Pension Fusion at www.pensionfusion.com

You’ll need to take the following steps:

Let us know as soon as possible by submitting the Pensions dashboards connection authority form, answering NO to the question: ‘Do you want Standard Life to connect your scheme to pensions dashboards?’
Find an alternative way of connecting your scheme to pensions dashboards
If you want us to provide scheme data to a third party to connect, contact us as soon as possible to discuss and agree what service we’ll provide - this may involve a charge

As it’s your legal responsibility to make sure your scheme is connected to pensions dashboards, TPR can take regulatory action against you in the following situations:

If you fail to connect your scheme with pensions dashboards by the mandatory deadline of 31 October 2026
If you cannot show that you’ve considered TPR’s guidance on staging timelines when preparing to connect your scheme to pensions dashboards

You’ll need to take the following steps:

Let us know as soon as possible by submitting the Pensions dashboards connection authority form, answering NO to the question: ‘Do you want Standard Life to connect your scheme to pensions dashboards?’
Find an alternative way of connecting your scheme to pensions dashboards
If you want us to provide scheme data to a third party to connect, contact us as soon as possible to discuss and agree what service we’ll provide - this may involve a charge

As it’s your legal responsibility to make sure your scheme is connected to pensions dashboards, TPR can take regulatory action against you in the following situations:

If you fail to connect your scheme with pensions dashboards by the mandatory deadline of 31 October 2026
If you cannot show that you’ve considered TPR’s guidance on staging timelines when preparing to connect your scheme to pensions dashboards

: You can check your scheme ‘connect by’ date online with The Pensions Regulator
: TPR will write to you at least 12 months ahead of your ‘connect by’ date. If it is less than 12 months from your ‘connect by date’ and you haven’t heard from them, you should contact TPR .
: We expect that TPR will provide scheme connection code(s) 5-6 months before the scheduled 'connect by' date.

If your main scheme has one or more linked Additional Voluntary Contribution (AVC) arrangements, you’ll need a connection code for each main scheme and AVC arrangement.

You should contact TPR if your scheme hasn’t received a date and code(s).
: Yes, it’s possible to ‘link’ the main scheme benefits with other related arrangements in pensions dashboards (for example: an AVC, or a defined benefits arrangement, or a defined contributions arrangement), so that members’ benefits are displayed together. Your scheme will need a pension link unique identifier (UUID) to enable this.

Further information about how you can do this can be found in the data standards produced by the Pensions Dashboards Programme.

Member access to dashboards

The date when dashboards will be available to members has not yet been confirmed. All in scope pension schemes and providers must be connected to the pension dashboard ecosystem by the end of October 2026. The Government will provide at least 6 months notice before dashboards become available to the public.

Once a member is matched to their pension on the dashboards, they’ll be able to see:

Scheme admin data: pension scheme name and contact details for where they can find more information
Pension value data: accrued and projected values of their pension savings
Useful signposts and links: hyperlinks to websites where members can see other useful information about their scheme

Once a member is matched to their pension on the dashboards, they’ll be able to see:

Scheme admin data: pension scheme name and contact details for where they can find more information
Pension value data: accrued and projected values of their pension savings
Useful signposts and links: hyperlinks to websites where members can see other useful information about their scheme

: When a member first logs on to pensions dashboards, they’ll be asked to enter personal details. Those details will be used to match a member to their pension.

Please note: Where a member’s details produce a possible match in the dashboards, Standard Life contact details will be displayed so the member can confirm their identity with the scheme. If we have accurate and up to date member information for your scheme, we expect 99% of members will be matched to their pensions.
: You can find out more about matching members to their pensions in the Pensions Administration Standards Association Data Matching Convention Guidance

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Pensions dashboards

What are pensions dashboards?

Which schemes are in scope?

Helping schemes connect

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The connection timeline

Contract-based schemes

Master Trust schemes

Own Trust schemes

PASA AVC Questionnaire support

Frequently asked questions

Pensions dashboards basics

Helping schemes connect

Scheme connection details

Member access to dashboards

Matching members to pensions