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Joining NEST

NEST is a workplace pension scheme, which means most people join through their employer. In some cases people can join by themselves.

Whether you’ve been recently enrolled, are likely to be enrolled in the future or are thinking about joining, we can help you understand your options.

A graphic showing the different ways of joining NEST. Choosing to join, being automatically enrolled, joining as a self-employed member and through a divorce Joining through your employer

Have you been told by your employer that you’re going to be automatically enrolled into NEST? Auto enrolment makes it easier to start putting money aside for your future. You’ll also get extra money in your retirement pot from your employer and the government.

Your pension rights

If your employer’s using NEST and you’re not due to be automatically enrolled you may still be able to join if you want to. You could get extra money from the government for your retirement pot and you may also be entitled to money from your employer.


If you’re self-employed or the sole director of a company that doesn’t employ anyone else, you can also use NEST to save for your retirement.

Joining through a divorce settlement

Some people become members of NEST after getting a share of their partner’s retirement pot in a divorce settlement.

Want to opt out?

If you’ve been automatically enrolled into NEST but don’t want to be a member you can opt out during the one month opt-out period. You have to be enrolled before you can opt out.

Log into your account

Once you’ve got your welcome pack you can log into your account and start making the most of NEST. When you log in for the first time you’ll need your National Insurance number or your alternative identifier, and the NEST member ID included in your welcome letter.