Standard Life’s app has been ranked the best in the DC master trust sector in a report that ranks the UK, performance and execution of providers’ tech propositions.
The report, from BehindLogin, is based on analysis of 10 UK master trusts via interviews with verified, anonymised members and expert reviews. It analyses five criteria – findability & navigation, visual design & accessibility, copy & communication, interaction & usability, and maturity & innovation.
The report says Standard Life’s app leads the sector overall, offering breadth and reliability across core journeys. Second place is held by Scottish Widows for its ‘dependable execution’, with L&G in third place which is described as excelling in engagement.
Aviva sits in fourth place, followed by Mercer, NatWest Cushon, Nest, Aegon and Fidelity. One provider in last position has been redacted from the rankings. The report describes those apps at the bottom of the rankings as ‘clunky, confusing and disconnected from members’ needs’.
BehindLogin says even the top-performing app ranks mid-table by typical digital standards. It offers a Benchmark Framework it says aligns with the DWP’s Value for Money framework and FCA’s Consumer Duty.
L&G says its app, which supports its 5.7 million workplace pension members, is now the UK’s highest-rated workplace pension app, with 4.8 stars on iOS and 4.9 stars on Android. Since launching in September 2024, the app has logged more than 10.5 million visits, including a record 1.45 million in July. L&G says 77 per cent of members return every three months and 55 per cent come back monthly. The app allows members to connect their different pensions and bank accounts and integrates access to its workplace Isa.
Oliver Lane, Founder & CEO, BehindLogin says: “Members compare their pensions not with another provider but the world-class digital services they use every day. The gap is clear, but so is the opportunity.
“Several providers clustered closely together in the rankings, reflecting a competitive landscape where small improvements could quickly shift positions. The leaderboard is far from fixed, leaving room for both established players to climb and new entrants to disrupt with simpler, smarter tools.”