Get to know Thrive
Here’s a quick overview of Thrive in under 2 minutes. See what it’s about, how it works, and what it can do for you and your team.
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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

Too much admin? Benefits unused? Money worries?

Thrive helps you tackle blockers to financial wellbeing.​

Workplace Pension
Employee Benefits
Financial Education

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

Get to know Thrive
Here’s a quick overview of Thrive in under 2 minutes. See what it’s about, how it works, and what it can do for you and your team.

Speak to the team

How Thrive works for you

Thrive Employers
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

Thrive Employees
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.​

Learn more

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?

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.
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.
Real coaches and regulated advice
Your team get access to real financial coaches and FCA-regulated advisers whenever they need a hand.
Fair transparent pricing
A flat 0.6% AMC and no employer setup or monthly fees. No surprises, ever.
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)​
Thrive helps you change the story.​
Support your team with clear guidance, real coaching and a platform that puts their financial wellbeing front and centre.​

Upgrade your wellbeing offering​

The Thrive experience​
If you’ve inherited clunky systems and patchy spreadsheets, you’ll like this bit.​​
‍
‍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.​
Employee App
Employer portal
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
Frequently asked questions
More questions about Thrive? Here are some commonly asked questions about our platform.
01
What size of organisation does Thrive support?
Small to medium-sized employers and larger enterprises.
02
Do we need specialised staff to manage Thrive?
No. Thrive integrates with your systems and requires minimal training.
03
How does salary sacrifice work?
Thrive automates contributions and compliance for significant savings.
04
Is Thrive compliant with regulations?
Yes, it follows guidelines from The Pensions Regulator and HMRC.
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