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New to Nest

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Whether it’s your first time saving with us or you’re coming back, we’re here to help you set up your online account and understand all the ins and outs of having a workplace pension.

Make the most of your account

The easiest way to manage your pension pot is through your online account. Once you’ve set up your username and password, you can:

  • check your contact details are correct
  • track how much you’re saving
  • bring all your pensions together with us, if you’d like
  • tell us who you’d like to receive your savings when you die

See what else you can do using your online account.

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

Get started

It takes only a few simple steps to set up your online account.

Set up your account

After your employer sets you up to save with Nest, you receive a welcome letter with your Nest ID. Use it to speed things up.

  • icon Personal details We’ll walk you through this as you set up.
  • icon National Insurance number You may find it on a payslip, P60 or document sent to you by HM Revenue & Customs (HMRC).
Set up account

Already have an account?

You have the same Nest ID for all your time saving with us, even if you change employer, become self-employed or stop working.

 

  • icon Username and password If you’ve set up an online account with us before, use the same username and password when you log in.
  • icon Forgot your username? Log in and select ‘Forgotten username?’, then follow the steps to get a reminder.
  • icon Forgot your password? Log in and select ‘Forgotten password?’, then follow the steps to reset your password.
Log in to account
How to log in for the first time

Need help setting up?

Watch our one-minute video to see how to log in for the first time.

Your right to opt out

If you’re enrolled in Nest by your employer but you’re not ready to start saving, you have one month to opt out of saving into your workplace pension.

How to opt out

Getting details about your pension

We’ve created ‘Welcome to Nest’ guides with important information about the Nest pension scheme, including your pension rights and when and how you can take your money out.

 

Select the guide that’s right for you based on how you’ve joined Nest:

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Enrolled by your employer

Use this guide if you receive employer contributions (PDF 5.9MB) and have the right to opt out

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Asked to be enrolled

Use this guide if you’ve asked your employer to enrol you (PDF 5.8MB) and don’t have the option to opt out

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Self-employed

Learn how to set up a Nest pension if you’re self-employed

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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 147KB).

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