Press Release
Bristol, UK – 15 October 2026
BehindLogin has released the 2026 edition of its Workplace Pension App Benchmark report.
In the last year the baseline has risen, competition has tightened and those standing still risk being left behind.
Scottish Widows comes top of the leaderboard
Scottish Widows is awarded Best Overall Winner, offering an app experience that allows members to save, invest and plan for their retirement.
The strongest providers help members to understand their pensions and also make the next step simpler, yet none combine best-in-class capability and execution across the full experience.
Product investment has focused largely on helping people to understand their pension and more work is required to support members with managing contributions.
“Ahead of the release of the pensions dashboard, connected journeys will be key in helping people to find & understand their savings.”
– Oliver Lane, Founder & CEO, BehindLogin
Ten critical features
With a focus on 10 features across 10 leading providers, the report uncovers what pension providers are really delivering, who leads and where the biggest opportunities lie.
Most competitor insight stops at what providers say they offer. This report goes further, observing real members using their pension apps to understand what actually happens behind-the-login.
“BehindLogin’s work in systematically assessing major pension providers across a range of critical member engagement criteria is unique in the UK pensions sector.
For anyone interested in how this market is serving its members, from employers to policymakers, consultants to market competitors, this annual report should be required reading.”
– Tom McPhail, Pensions Expert
Awards and leaderboard highlights
- Best Over-all: Scottish Widows leads across four features, setting the pace across contributions, investments, communications and retirement planning.
- Runner-Up: L&G excels with its pension overview and delivers consistently strong investment, retirement planning and support experiences across the app.
- Most Engaging: Standard Life is celebrated for making pensions engaging through personalisation, interactive tools, approachable content and goal-based experiences.
- Best Design: Cushon stands out for its distinctive native design, with visual comparisons and intuitive controls that make complex tasks feel approachable.
- Most Innovative: Mercer is recognised for pushing beyond core pension servicing through connected finances, locating lost pension pots and interactive planning.
- A notable mention also to Fidelity, a solid all rounder that achieved 5th place in the leaderboard, leading on support and contact options.
Expert voices
“It’s great to see member experience rising up everyone’s agenda. The next step is more joined-up journeys that help members take positive action.”
– Chloe Taylor, Quietroom
“The single best thing a member can do for their retirement is save more, yet it remains one of the hardest things to do in a pension app.”
– Jonathan Hawkins, Hawkins Strategic Advisory
On a mission to inspire the next generation of digital experiences
BehindLogin’s research combines real customer journeys, rigorous benchmarking and specialist product and UX analysis.
This allows product teams to:
- See what customers really experience across competitor apps, websites, communications and service journeys
- Benchmark where they lead, match or fall behind using an independent, evidence-based framework.
- Identify best-in-class experiences and understand what makes them effective.
- Turn competitor evidence into action across product strategy, roadmaps, and experience design.
Discover:
Access the benchmark report
You can download a snapshot of the report from our benchmark report page.
To access the Full 1-10 Leaderboard, Provider Diagnostics, UI Screens & Journey Maps, a Best-In-Class Showcase and our Subscription offering, please request the full report.
Press enquiries
For press enquiries and assets, please contact hello@behindlogin.com
