Creation vs Smart Pension: most-reported complaints compared
Most-reported issues at Creation and Smart Pension, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Creation
TrustScore 4.7 · 119,496 reviews on Trustpilot.
2,885 reviews analysed, 2025-07-22 to 2026-09-27.
Complaint rate (recent window): 13%
99% of negative reviews get a company reply.
“System crashed during iPhone 18 pre-order meaning I wasted an hour”
Smart Pension
TrustScore 4.7 · 4,123 reviews on Trustpilot.
312 reviews analysed, 2026-02-24 to 2026-09-23.
Complaint rate (recent window): 8%
100% of negative reviews get a company reply.
“Just tried to log into my pension and I get put into an image verification loop.”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Creation | Smart Pension |
|---|---|---|
| Account/app problems | 46% | 31% |
| Support unhelpful | 24% | 23% |
| Support unreachable | 16% | 27% |
| Other | 10% | 17% |
| Billing errors | 10% | 10% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Creation or Smart Pension.