Pensions dashboards

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.

Workplace 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

Standard Life's dashboard connection solution is being developed for use across all of Phoenix Group. Our solution will fully comply 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.

If we connect your scheme to pensions dashboards on our standard group connection basis, there won’t be any connection cost to your scheme.

If you choose another way to connect your scheme to dashboards, and need us to provide data to a third party, we may make a charge to cover any costs we incur.

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.

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 will 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:

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

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 partial or 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.

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

You can find out more about matching members to their pensions in the Pensions Administration Standards Association Data Matching Convention Guidance