How our system upgrade could affect your service

We’re making essential changes to our system that will delay some services between 27 October to 5 November. You’ll still be able to do most things from your online account, including seeing how much is in your pension pot.

Please note there will be scheduled maintenance on 3rd, 4th and 5th November, during which account access will be unavailable between 6pm and midnight each day. While this falls outside standard working hours, we recommend planning ahead if you anticipate needing access during this time.

As always, we’ll keep your money safe and secure while we work to improve our system. 

Here’s what may be impacted…

Taking money from your pension pot

If you’re looking to take all your pension savings from your pot, you won’t be able to do this between 28 October to 5 November.

If you want to take some of your money from your pot or are taking money out through the Nest Guided Retirement Fund, you won’t be able to make withdrawals between 28 October to 4 November.

Any requests for withdrawals made up to and including 27 October will be processed, however it may take a few extra days to pay the money into your bank account compared to our normal lead times.

Opting out

As long as you opt out within 31 days after being enrolled into Nest, known as your ‘opt out period’, we’ll refund any money that’s contributed.

If you opt out between 27 October to 5 November, it may take a few extra days to send you official confirmation of your opt out. We’ll then refund your contributions to your employer, who have a legal duty to pay it back to you.

Switching investment funds

You can choose to have your pension pot invested in a range of funds, each with a different investment strategy.

If you’d like to switch funds, you’ll need to do this before 27 October or from 5 November.

Updating your date of birth

If your date of birth isn’t correct on our system, you’ll need to submit your request to change it either before 27 October or from 5 November.

Updating your Nest retirement date

When you join, your Nest retirement date is automatically set to your State Pension age. We invest your money so it’s ready for when we think you’ll need it.

If you plan on retiring early or working past State Pension age, it’s a good idea to update your Nest retirement date so we know when you want to take your money out.

You’ll need to make any changes to your Nest retirement date before 27 October or from 5 November.