An API would be amazing but it doesn’t exist yet.
That’s why we have to ask for your previous jobs. Then, we automatically cross-reference your previous job (eg Tesco) with the government’s pension scheme database (publicly available) to find your pension scheme (eg Aviva). And then we automatically send an email to relevant pension company (Aviva).
Hope that makes sense. It’s quite a hefty backend. The govt is trying to make pension companies develop a universal API to make getting info instant, but until the API arrives (latest forecasts are 2025 ) it’s a 3-5 day process.