Are you PAYE? then see below some common questions about Nest pensions


Why am I being opted in?

Every employer in the UK is legally required to put certain staff into a pension scheme and make contributions into it – a process called auto-enrolment. This government-backed process is designed to help you save for the future.


If you earn above the required threshold and you’re in the right age group, your employer will have to automatically enrol you into a workplace pension scheme. This means they’ll also make contributions into your retirement pot. However, if you’re not automatically enrolled, speak to your employer as you may be entitled to opt in.

How do I know if I’m eligible for my employer’s workplace pension?

Your employer will write to you to let you know about your new workplace pension and whether you’ll be automatically enrolled. If not you may still be able to opt in. To be eligible you must fit into one of the three categories of workers shown below:

What is the %

The minimum contribution set by the government that you and your employer collectively pay into your NEST account is 5 per cent of your salary (the exact amounts can vary from employer to employer). The minimum employee contribution is 3 per cent, which equates to approximately 2.4 per cent of your take-home pay.

From April 2019 the minimum contribution will rise to 8 per cent. The increase from 5 per cent to 8 per cent will mean you’ll get a bigger pension pot when you retire. So your minimum employee contribution will be 5 per cent, which equates to about 4 per cent of your take-home pay.

From April 2019 your contribution will be increasing from 2.4 per cent to 4 per cent and your employer’s contribution will be increasing from 2 per cent to 3 per cent. Your employer will deduct more from your wages to be in line with the new contribution rates and comply with their legal duties. You don’t need to make any changes to your account as the increased contribution rates will be applied by your employer automatically.


Opting out:

To opt out of NEST you first need to check if you’re still within your opt-out period. The opt-out period is for one month and starts three working days from the date you’re enrolled. You can find this date in your NEST welcome pack. If you pass this period you won’t be able to opt out of NEST. However, you’ll be able to stop contributions after the opt-out period has passed. Please see How do I stop contributions? for more information.

In order to opt out you’ll need the following details:

Your NEST ID. For more information on NEST ID please see What’s my NEST ID?

Date of birth

National Insurance number or the ‘alternative identifier’ your employer gave you when they enrolled you.

There are three ways in which you can opt out of NEST:


You can opt out without activating your online NEST account. To do this click on the Opt-Out page on our website. You’ll need to provide the above details on the ‘Activate your account’ screen to opt out and then click ‘Next’.

If you’ve already activated your online account you can log into your NEST account. Click ‘Opt out’ on your NEST home page and follow the instructions on-screen.


By Telephone

You can opt out through our automated telephone service. You’ll need to call 0300 020 0090 and follow the automated instructions to opt out. This telephone call is likely to take around six minutes. Calls cost no more than a national rate call. Charges for mobiles may vary.

Our automated telephone service is open 24 hours a day, 7 days a week.

We’ll write to you to confirm that you’ve opted out.

By Post

You can also opt out by post by requesting a paper form for you to fill out and give to your employer. You can contact us on 0300 020 0090 to request an opt-out form from NEST. If you’re coming towards the end of your opt-out period, we won’t be able to send you an opt-out form as it won’t reach you in time. You’ll need to opt out either online or by phone.


Contact Details:

Telephone - 0300 020 0090

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