Your Whitbread Pension Plan helps you save for your future
Whitbread has chosen the Aviva Master Trust to help you save for your future. The Aviva Master Trust is a defined contribution workplace pension. You build up pension savings based on money put into the Master Trust by you and your employer.
Having a workplace pension is a tax‑efficient way to save for your later life. It means you have a pot of money to help support you when you stop working.
Your pension contributions are invested, typically in a range of assets such as shares and bonds, with the aim of growing your savings over time. Investment is not guaranteed and the value of your pension can go down as well as up, so you could get back less than you’ve paid in.
Transcript for video Welcome to the Aviva Master Truat
A recorded presentation from Aviva
Videos to watch
View the short 'bite-sized' videos to see how you can make the most of your pension.
A look at what has changed
Watch the video to see what has changed, and what that means for you.
Watch the video to see how your pension could be a great way to save for the future.
Paying in
Watch the video to understand more about how much will be paid into your pension.
Transcript for video A look at what has changed video
A recorded video from Aviva
Transcript for video How does it work video
A recorded video from Aviva
Transcript for video Paying in?
A recorded video from Aviva
Investing for your future
Watch the video to see how your money is invested in your pension.
Watch the video to see how you can manage your pension on MyAviva
Watch the video to understand how to set up your account on MyAviva
Transcript for video Investing for your future?
A recorded video from Aviva
Transcript for video Pension Essentials
A recorded video from Aviva
Transcript for video Getting online with MyAviva
A recorded video from Aviva
Key documents
You can find more information about the Whitbread Pension Plan in these documents. The documents may be updated. If you require a previous version of a document, please get in touch using the contact details at the bottom of this page.
Tools and articles to help you plan
To help you with your retirement planning, we provide a range of tools. You can look at the amount of pension savings you might have when you reach retirement and the difference making changes to your pension contributions could have.
Pension essentials
Pension basics explained
Understanding the fundamentals of pensions means you can start to plan.
Pension essentials
The State Pension
Check your State Pension forecast to make sure you won’t miss out.
Start planning
Shape my Future
Get an idea of the sort of lifestyle that your future retirement income could provide.
Looking ahead
Take control of retirement planning
Knowing what to do first can be a challenge when it comes to retirement plans. Let us help.
Looking ahead
Pros and cons of combining your pensions
It might make life easier to bring all your pensions together. See whether this might be right for you.
What to do now
If you would like to learn more about your pension, what it is and how it works, you can visit the About your pension page.
1. Activate your account to manage your pension online
So you can see your payments, transactions and balances in one place.
To activate your account, you need to register. To do this, you’ll need your Account Number. You’ll find your number as well as your pension/savings details in your welcome letter from Aviva.
Once you’ve activated your account:
- Check your personal details are correct
- Check you are happy with your contribution levels
- Tell us who you’d like your beneficiary to be. That’s the person you’d like your pension money to go to if you die before taking your pension
- Make sure your selected retirement date is correct
- Review where your pension is invested, make your own investment selection if you’d like to, or understand what happens if you don’t make a choice
Currently, the NMPA (normal minimum pension age) is 55. From 6 April 2028, the NMPA will increase to 57. So, from 6 April 2028 you’ll need to be aged 57 or older before you can start taking money from your pension. There are still some circumstances where you can take money earlier, like if you’re suffering from ill health or have a protected pension age.
2. Download the app
Once you’ve activated your account, you can download the MyAviva app. Then you can see your pension account on your phone, wherever you are.
Apple Touch ID and Face ID are available on selected Apple devices. Android Fingerprint is available on selected Android devices. Not all features and services in the app are currently available for every product. The MyAviva app is not currently available in the Isle of Man. Mobile data charges may apply.
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Find out how pensions work
Watch this video to understand why saving into your pension matters.
Tax rules and state benefits shown are for the 2026/2027 tax year. They depend on your individual circumstances and may change in the future.
Transcript for video Pension Basics
If you’re busy buzzing away each day – you’ve probably got a job to go to, a family to take care of, a home to look after - then saving for your future may not be the highest priority. But, time goes by quicker than you think, so retirement might not be too far away.
The sooner you act, even if it’s saving just a small amount, could mean the difference between a comfortable retirement and one that leaves you feeling…well, a little flat.
That’s why a workplace pension is the easiest way to build up a pot of money. Your employer sets it all up and will put your contribution in straight from your salary. Normally, as long as you pay in, they’ll put their money in too.
Some employers even match your contribution, so it’s worth checking how much they’re prepared to give you and getting as much in your pot as you can. Additionally, you benefit from tax relief on your contributions. The way you receive this will depend on the type of pension scheme you’re in.
Unlike a savings account, your pension savings are invested. This is to help your savings grow and the earlier you start saving, the more time they have to grow. You do have to be aware that investment values can go down as well as up and you could get back less than the amount paid in.
There are a number of ways you can take your money – with up to 25% being tax-free.
You’ll also get a State Pension when you’re old enough - as long as you’ve made enough qualifying national insurance contributions. From April 2026, full new State Pension is £241.30 per week - probably not enough on its own to live comfortably, but if you’ve built up a workplace pension, i can be a good boost to your savings.
To see what your future could look like, visit our easy-to-use, interactive ‘Shape My Future Tool’, which helps you see how much you’re saving and picture what your retirement could look like.
Tools and articles to help you plan
To help you with your retirement planning, we provide a range of tools. You can look at the amount of pension savings you might have when you reach retirement and the difference making changes to your pension contributions could have.
Pension essentials
Pension basics explained
Understanding the fundamentals of pensions means you can start to plan.
Pension essentials
The State Pension
Check your State Pension forecast to make sure you won’t miss out.
Start planning
Shape my Future
Get an idea of the sort of lifestyle that your future retirement income could provide.
Looking ahead
Take control of retirement planning
Knowing what to do first can be a challenge when it comes to retirement plans. Let us help.
Looking ahead
Pros and cons of combining your pensions
It might make life easier to bring all your pensions together. See whether this might be right for you.
Join an online seminar
Whether retirement is a distant goal or just around the corner, understanding how your pension works is key to making confident decisions. We host online seminars throughout the year to help you make sense of your pension and help you shape a retirement that works for you.
Where are you on your pension journey?
Let’s begin with you. Are you just starting to save into your pension? Or is retirement nearly within reach?
Starting to save
"Pension planning? Retirement? Isn’t that something I can worry about later?"
Saving more now could lead to you having a better chance of enjoying the retirement you want.
Building your savings
"When I think about my finances, I've got to pay the bills, the mortgage... A pension isn't my top priority."
But the fact is that tomorrow comes around sooner than most of us think.
So, how do you make the most of your pension?
Almost done saving
"I've only got a few working years left."
You’re getting closer to your selected retirement age, which means more freedom to do the things you enjoy. To make the most of this new stage in your life, you need to give some thought to your options, needs and goals.
So, what can you do when you’ve got less than 5 years until you retire?
Frequently asked questions
Find the answers to questions you might have about your pension plan, from How much should I invest? to What happens when I reach retirement age?
Key documents
Find and download the key documents to do with your Whitbread Pension Plan.
Already have a pension with Aviva?
You’ll need to activate your account for the Whitbread Pension Plan, even if you already have a pension with Aviva
To activate your account, you need to register. To do this, you’ll need your Account Number. You’ll find your number as well as your pension/savings details in your welcome letter from Aviva.
Contact us
Got a question? We are here to help.
Calls to and from Aviva may be monitored and/or recorded.
Got a question for Whitbread?
The pension pages on Dayforce are designed to answer most member questions.
Guidance and Advice
This site does not provide financial advice.
MoneyHelper
If you’re looking for help with pensions, a good place to start is MoneyHelper, the government-backed free guidance service. The MoneyHelper service won't tell you what you should do, but they'll provide you with information to help you understand your options.
Contact an adviser
For advice about what’s best for you, please contact your financial adviser. If you don’t have an adviser MoneyHelper provides up-to-date resources to help you find regulated advisers. Advisers may charge for their advice, but there are usually a number of ways to pay.