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Using Nest

Nest was set up by the government to make auto enrolment as simple as possible. For employers, this means having straightforward processes and plenty of guidance on how to set up and manage Nest. For members it means making it easy to save and to do the things that can improve your outcome. And for accountants, payroll providers and financial advisers it means making it easy to help your clients with auto enrolment.

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Use your online account whenever and wherever you want

Nest is an online scheme. This means that all the day-to-day tasks involved with pensions can be managed quickly and easily by logging in and going straight to your online account. Whether you’re saving with Nest, using it for your workers or helping your clients set up a scheme, you can do it all whenever and wherever it suits you.

For employers

You can access your Nest account and do whatever you need, whenever it suits you, putting you in control of managing your pension scheme. We’ve designed tools to simplify technical tasks, including pre-set enrolment types and electronic member opt-outs.

Get started by creating your account

For members

You can use your online account to manage your investment options, change contribution levels, make one-off contributions, and transfer pension pots. All messages we send you – including your annual statement – are stored in a secure mailbox so that you’ve got a record of everything in one place.

Got your welcome pack? Log into your account

For professionals

Nest Connect is our online hub for professionals helping their employer clients with auto enrolment. By opening a delegate organisation account you can set up and manage Nest for any number of clients using one login to keep track of everything. Whether you’re a payroll provider, accountant, financial adviser or anyone else helping clients with auto enrolment, Nest’s online functionality makes it easy for you to offer support.

Become a Nest Connector

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Nest’s charges

Nest is free for employers to use and has low charges for members, with no charge for transferring pots in or out. We also offer our Nest Connect functionality at no cost to professionals helping employers with Nest. At the same time we offer a lot of the features and functionality you’d expect, and a wealth of online support and resources for both employers and members.

Find out more about Nest's charges

For employers

Nest is completely free for employers to use. There are no charges to set up Nest or for ongoing administration.

For members

Nest charges its members an annual management charge (AMC) of 0.3 per cent of their retirement pot. We also apply a small 1.8 per cent charge on contributions. Over the long term these amount to a little under 0.5 per cent.

We don’t charge for transferring pots into or out of Nest. This means there’s no contribution charge applied to transfers, and we only charge our standard 0.3% annual management charge to the transfer value. However, it’s important for members to check any charges or fees that may be applied by other providers they have pensions with.

For professionals

Nest is completely free for employers and their delegates to use. There are no charges to set up Nest or for ongoing administration. You can also sign up free of charge as a delegate organisation with Nest Connect. This makes it easy for you to manage schemes for a number of clients at once.

The logo for auto enrolment

Using Nest for auto enrolment

Nest was created by the government to make sure that every employer has access to an auto enrolment workplace pension scheme. Nest doesn’t just comply with the regulations, but has been built in line with the best practice guidelines from the Department for Work and Pensions and The Pensions Regulator.

Find out more about how Nest is run

For employers

Nest’s public service obligation means that no matter how big your company is or what kind of workforce you have, we’re ready to help you. And because we’re designed for auto enrolment you’ll know that you’ve chosen a scheme that complies with all the regulatory requirements and more.

For members

Because Nest is run as a trust we have a duty to protect your interests. Our Trustee Member board oversees Nest’s operation to make sure that we’re providing a good service. And because we’ve got no shareholders, any money Nest makes is ploughed back into making a better scheme for you.

For professionals

Nest has been created by the government as part of the pension reforms. You can rest assured that your clients are using a scheme that complies not just with the basic standards but with best practice.

award winning scheme

Award-winning scheme

Nest is leading the way on the challenges presented by auto enrolment. We've received awards for our market-leading approach to communications and our Nest Connect service for intermediaries helping their employers with auto enrolment. We've also gained industry recognition for the way we've managed to grow from a start up with no clients to managing tens of thousands of employers and millions of member accounts.

award winning investment

Award-winning investments

Our Nest Retirement Date Funds have been recognised for their innovative approach. They’re based on our research into what savers want and need from their retirement savings and the latest thinking about delivering the growth and protection that our members need. By choosing Nest, you’re choosing a way of saving that’s been recognised as being at the forefront of good practice.

Find out more about our investment approach

For employers

Our default funds are a high-quality, sophisticated, low-cost approach designed to protect and grow members’ money. We’ve got enough options to suit your workers but we’ve kept things simple so they won’t come to you with lots of questions about what they should do.

For members

Nest makes it easy to put your money to work for you. Each Nest Retirement Date Fund is based on the year you want to take your money out. All you need to do is trust us with your contributions and we’ll have your retirement pot ready when you need it. And if you want something different our fund choices mean you can choose an option that’s right for you.

For professionals

Our award-winning approach includes strong monitoring systems in place at all stages of the investment process. We’ve partnered with some of the premier providers of administration and investment services in the world to deliver our funds for members. All this protects our members from bad outcomes and your clients from regulatory scrutiny.

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Adapting Nest to your needs

Employers can use Nest as their sole scheme or use it alongside another scheme that’s in place. Nest is also ready to fit in with the business plan of professionals who are advising employers about workplace pensions. Whatever levels of service you want to offer, Nest is ready to work with you. Because Nest’s retirement pots belong to the member, they can take them with them to a new employer who uses Nest or keep contributing if they stop working or work for themselves.

For employers

Nest is flexible enough to be used in the way you need it. It can be your only scheme for all your workers or it can sit alongside an existing scheme. Nest pots travel with the member. This means you’ll have no ongoing responsibility for the retirement pots of workers who leave your employment. And if you hire someone new who already saves with Nest it’s a simple matter to start making contributions to their existing pot.

Read our Employers guide to automatic enrolment (PDF) to find out more.

For members

You have one retirement pot for life. Your Nest pot stays with you even if you stop working, become self-employed or change jobs. So you can continue to contribute into your pot to help it grow. And if you move to a new employer who uses Nest then they can make contributions to your existing retirement pot.

You can also bring certain existing pots you may have into Nest to make managing your pension saving more straightforward. We accept transfers of DC benefits, as well as pension credit transfers and early leaver cash transfer sums from UK registered pension schemes. The minimum amount we accept is £50, however this doesn’t apply to transfers of pension credits awarded as a result of a pension sharing order following a divorce or the dissolution of a civil partnership.

We offer a simple online process and no charge for transfers, although you should check any charges or exit fees with other providers you may have pensions with. We’ll only charge our standard 0.3% AMC on your transfer value.

Find out more about transferring pots into and out of Nest

Find out more about joining Nest

For professionals

From just setting up a scheme to full-blown ongoing management, Nest is ready to work with you to help your clients. Nest’s delegate organisation functionality lets you offer different levels of service to different clients and assign different people in your organisation to help them. Whatever level of service you want to offer clients, Nest makes it easy.

Using Nest with your clients

Diagram showing how one employer can assign 3 delegates in their organisation to look after Nest.

Getting someone else to help with Nest

Nest has been set up so that employers can get help setting up and managing Nest. They can either assign individual delegates from their own organisation or get help from a third party – like an accountant, payroll provider or financial adviser – using Nest Connect. Members can get help, too, and assign a delegate if they need help using their online account.

Find out more about delegated access

For employers

Nest makes administering Nest easier by giving you the option to set up people in your organisation as individual delegates. You can also get help from your payroll provider, accountant or financial adviser if they set up a Nest delegate organisation account. This makes it easy to get the help you need sorting out Nest so you can get on with running your business.

For members

We’ve paid particular attention to making Nest easy to use for members. But if you have trouble using your online account you can appoint a delegate to help. This could be a relative or guardian, or someone else you trust such as your accountant or financial adviser.

For professionals

Nest Connect is our totally free and simple way for you to provide automatic enrolment services to your clients. With Nest Connect you can provide a complete service to any employer, view and manage all your client accounts from one place and add as many people as you need from your organisation to help you manage client accounts.

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Keeping you informed

At Nest we know that talking to our customers in language they can understand is one of the most important things we can do. The new pension reforms are complicated for employers and workers. They need clear information that helps them understand their options and make decisions that are right for them.

Support and resources


For employers

We communicate clearly and transparently with you and with our members to support them as they save. We’ve also got a range of templates to help employers comply with their duty to let their workers know about their new rights. This makes using Nest easier for you and means less time answering questions from your workers. We’ve also worked hard to make our guidance clear and straightforward for you to follow. We provide step-by-step guides for the main tasks involved in setting up and managing Nest.

Take a look at our workplace communications templates (PDF)

For professionals

Employers who are enrolling large numbers of workers won’t have time to explain what’s happening to every individual. Our approach to communication will help your clients make auto enrolment easier on themselves and for their workers.

Last updated: 05/20