Yes, you can opt out of your UK pension with Kota and Smart Pension. If you've already considered all the pros and cons, read this Smart Pension's FAQ,  and you're sure of your decision, you should proceed directly with Smart Pension. Simply sign in to their  website here. Then, follow Smart Pension's step-by-step guide on how to opt out or cease your membership.

What next? Check out this article to figure out how you'll get refunded.