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How to log in for the first time

Set up your account

It only takes a few simple steps, and we’ll walk you through it.

1. Personal details

Add your details to your account – you’ll need your National Insurance number for this step.

2. Contact details

Verify the email address and phone number you’d like us to contact you with.

3. Login details

Create a username and password to keep your account secure.

Set up your account

Log in to your account

Already a member and set up an account before? Log in again to keep on top of your savings and check your details are up to date.

1. Username and password

You’ll need the same username and password you used last time. If you’ve forgotten them, you can follow the steps to reset them.

2. Verification code

We’ll then send you a code to keep your account secure.

Log in to your account

Read our ‘Welcome to Nest’ guide

We’ve created easy-to-follow guides to help you understand your pension rights, how to take your money out in the future and more.

 

Select the guide that fits how you joined Nest, and we’ll walk you through everything you need to know.

 

For more information on how we handle your data, read our privacy policy page.

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Your employer enrolled you

Read this guide if you receive employer contributions (PDF) and have the right to opt out.

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You asked to be enrolled

Read this guide if you asked your employer to enrol you (PDF) and don’t have the option to opt out.

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If you’re self-employed

Read this guide if you’ve set up a Nest pension as a self-employed member (PDF).

Your right to opt out

If your employer enrolled you in Nest but you’re not ready to start saving, you may be able to opt out within one month. But this may mean you miss out on employer contributions and tax relief.

How to opt out

Ways of joining Nest

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Joining through my employer

Nest is a workplace pension, not a private pension. Most of our members join when they’re automatically enrolled by their employer.

Joining through your employer’s pension scheme
 

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Joining as self-employed

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

Signing up when you’re self-employed
 

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Joining through a divorce settlement

It’s possible to join Nest after getting a share of a partner’s pension pot in a divorce settlement.

When you’ve been awarded a share of a Nest pension pot

Getting started FAQs

Who can save with Nest?

If your employer chooses Nest or you’re self-employed, you can save with us.

Ask your employer who your workplace pension scheme is if you’re not sure you’re with Nest.

Why have I been enrolled in Nest?

Every employer in the UK has a duty to automatically enrol their eligible workers into a workplace pension scheme. Your employer chose Nest to provide a good quality pension for you and your coworkers.

Learn about the benefits of saving into a Nest pension.

What’s my Nest ID?

Your Nest ID is a unique reference number that starts with MEM. You can find it in the welcome letter we send to you through the post. To find it in your online account, log in and select ‘My account.’

It’s a good idea to keep your Nest ID safe for security reasons. You may also need it when you contact us.

I haven’t received a welcome letter – how do I log in?

It can take up to a week after your employer enrols you for your welcome letter to arrive at your postal address.

If you haven’t received your letter or can’t find your Nest ID, you can still set up your online account – choose ‘I don’t know my Nest ID’ when you set up your account.

I think I already have a Nest pension – how do I log in?

When you’re enrolled we look to see if you already have a pension with us from joining through another employer or as a self-employed person. If there’s a definite match, we’ll set you up to save into the same pot with the same Nest ID. Use the same username and password to log in.

If we’re not sure, you’ll get a new Nest ID to start. If you think you've had a pension with us before, contact us.

Where can I get guidance about pensions?

MoneyHelper, a government-backed service, makes your money and pensions choices clearer. Get free, unbiased guidance.

If you’re 50 or over, or if you’re retiring early due to poor health, you can get free and impartial help on money and pensions at Pension Wise.

What does Nest do with my data?

We collect and receive different types of personal information about you to administer your pension and online account. Get our fair processing notice for members (PDF).

We make updates to this notice from time to time. To learn more about your privacy rights, visit our privacy policy page.

What can I do in my online account?

The easiest way to manage your pension pot is through your online account. From tracking how much you’re saving to bringing all your pension pots together, we’ll guide you every step of the way.

See what else you can do using your online account.