Thrive

What Thrive is

Thrive is a workplace platform for UK organisations and employees, combining pensions, employee benefits, and financial wellbeing. Employees can use its website or Android and iOS app to access an employer-selected benefits marketplace and engagement information. Thrive Academy provides short video lessons and tools covering budgeting, saving, goal setting, ISAs, pensions, retirement planning, investments, and salary sacrifice. Independent financial coaches offer confidential one-to-one conversations in the app or by phone. Coaching is included in membership; adviser fees apply when coaches refer people to qualified advisers for regulated, personalised guidance. The workplace pension is powered by Smart Pension, with app management, flexible investment options, and coaching. Employers receive a dashboard showing real-time engagement with pensions, benefits, and education, including usage, ROI, and pension sign-ups. Payroll can be connected for real-time usage tracking. Thrive says the app is encrypted and keeps personal information private. Overall pricing is on request; the listed workplace pension plan shows $0.60 a year, billed as a 0.60% total annual cost.