Overview
Pensions Dashboards has been on the UK agenda for many years, but the momentum is gathering towards implementation.
What is the Pensions Dashboard?
The Pensions Dashboards Programme is an industry-wide initiative led by the Government's Department for Work and Pensions (DWP) with regulatory support from the Financial Conduct Authority (FCA) and The Pensions Regulator (TPR). The Money and Pensions Service (MaPS) is running the programme, coordinating the industry and accountable for the delivery of the project. The project aims to revolutionise access to pension information through a secure, unified online platform.
This initiative aims to:
- Reconnect savers with lost or forgotten pension pots.
- Improve financial awareness and retirement planning.
- Empower users to make informed decisions about their future.
Further information is available on the MaPS website
When is it happening?
All pension schemes administered in the UK, with 100 or more non-pensioner members, must connect to the dashboard ecosystem before the regulatory deadline of 31 October 2026. Pension schemes started to connect in April 2025, with a phased onboarding approach, starting with the largest schemes first.
Pension schemes must be able to respond to “Find” and “View” requests by the deadline which means that a member can be found on the dashboard and their scheme benefits can be viewed.
Further details are available in the DWP’s connection guidance.
What will people be able to see on the dashboard?
An individual will only be able to access pension details that match their personal details, such as name, National Insurance number, date of birth and postcode.
The dashboard will offer:
Single Access Point: Users will see a single, secure view of all their pension pots and the State Pension.
User-Friendly Interface: The dashboard is designed to be easy to find pension details and understand the savings status.
Pension information: Users will see information about all their pension pots - including basic details such as provider name, type of pension, the current and estimated value and links to the provider for more information. This will help users to track their pension savings more easily.
How are Fidelity helping employers to prepare and meet their scheme obligations?
At Fidelity, we are focusing on integrating with the Government dashboard ecosystem.
We connected the majority of pension schemes (including all existing Master Trust sections and contract schemes) in April 2025. Own Trusts and AVC schemes are being connected in line with the Government timelines.
Fidelity selected Heywood as an Integrated Service Provider (ISP), who will host scheme data and share with the dashboard to respond to member enquiries and requests. All Fidelity Master Trust and contract scheme data (including SIPP) will be hosted by Heywood.
Own Trust trustees have three ways to connect to the dashboard, which will depend on the scheme structure (e.g. Defined Benefit (DB) sections). These are:
i) Single source connection: connection is made via the main administrator (usually the DB administrator). Fidelity sends data for hybrid or Additional Voluntary Contributions (AVC) members to the main administrator, but data for Defined Contribution (DC) only members is passed to the dashboard by Fidelity via Heywood.
ii) Multi source with pension link: Some members may have hybrid benefits within a single scheme, such as DC, AVC, and DB. Each benefit may have a different third party administrator. In such cases, the data for the DC or AVC portion will be provided to the dashboard by Fidelity via Heywood, while the data for the DB portion will be returned by the DB administrator through their own ISP. The third party administrator will create a code to link hybrid records and share this with Fidelity so that all pension benefits are shown side by side, as separate entries, on the dashboard.
iii) Multi source without pension link: For members who have split benefits within a single scheme, the DC or AVC portion will be returned to the dashboard by Fidelity via Heywood, while the DB portion will be returned by the DB administrator through their own ISP. In these cases, no link is created, so the benefits will appear as separate entries on the dashboard..
What’s next?
MaPS is running consumer testing of the MoneyHelper Pensions Dashboard. Their insights will shape readiness for public release and inform industry standards.
The testing has three phases:
- Industry expert testing (Pre-phase): Validate data accuracy using known cases before consumer access. The Pensions Regulator (TPR) has confirmed this phase is now complete.
- Phase 1 with 300 users over 12 weeks. Moderated testing (qualitative) with small-scale unmoderated pilots. The users are recruited from 12–15 schemes and testing will be across DC, DB and State Pension benefits. This testing started in early October 2025.
- Phase 2 with 17,000 users over 9 months. Large-scale unmoderated testing (web analytics, heatmaps, diary studies), with moderated testing for complex cases. All pension types will be covered in this phase.
You can find out more about the consumer testing approach on the MoneyHelper Pensions Dashboard website.
Getting ready for member use
When the dashboard goes live, members will be able to register for the dashboard through the Gov.UK. website. The dashboard will show their pensions and provide links to administrators, if they need further information.
Pension providers, including Fidelity, will set criteria for security checks, to provide access to pension information based on full and partial matches. For partial matches, information will be shared with the administrator to address any information gaps to help to identify the owner of the pension benefits. If a partial match is updated to a full match, we will inform the individual owner about this pension pot.
The Pensions Regulator (TPR) provides further information and support about the dashboard. You can register for their webinar for 2.30 - 3.30 on Wednesday 3 December.
We welcome the introduction of dashboards, which will provide easier access to all pension benefits which can increase engagement with retirement planning. We will continue to provide support for employers, trustees and employees with their retirement planning, using the support that the dashboard can provide.