Help Centre for Payroll bureaux

“Welcome to the Employers toolkit. Let me give you a quick tour.”

The Help Centre can help with attracting new business, educating your clients and also supporting them.

1. You will be given 3 options to choose from. They will all include documents to read and distribute and also helpful video tutorials which you can share with your clients.

2. Below the toolkit button are helpful topics to help you understand the application process and and step by step guide of how to sign up and what to do once you’ve signed up.

3. To continue with your application click the ‘Continue your application’ button below the helpful topics on the left.

General Awareness Pre-Staging Communications & Employee Education Support

Resource Library - Collateral

Collateral - Introduction


These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members


This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.

Resource Library - About NOW: Pensions

These resources will guide you through everything you need to know about NOW: Pensions and what we offer to our clients and members

Why NOW: Pensions for payroll bureaux

Our straightforward administration and a comprehensive package of support will help you set up and manage new schemes quickly and effectively. Find out all the great reasons to work with NOW: Pensions.

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Auto enrolment costs and charges

A two page document explaining some of the costs that may be associated with setting up a pension scheme, how to keep costs down and how much it costs to use NOW: Pensions.

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NOW: Pensions payroll bureau proposition

This document gives a short introduction into who we are and what we haver to offer. It provides Information around getting started with auto enrolment, working in partnership with NOW: Pensions, and the costs associated.

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3 minute guide to NOW: Pensions

An introduction to NOW: Pensions briefly detailing our key services, investment proposition and presenting our Board of Trustees.

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For payroll bureaux: Introducing the NOW: Pensions contribution models

A two paged document outlining the pre defined contribution models available for employers using a payroll bureau.

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The NOW: Pensions investment approach

Information about NOW: Pensions investment proposition covering our investment strategy, philosophy and management. A useful document in gaining more information on how your money is being managed.

Please note we will be making some changes to this as of the 1st June 2016, please read our announcement of changes document for further details.

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Resource Library - About auto enrolment

This section offers you a full guide to everything you need to know about Auto Enrolment and your responsibilities, whether you are an employer, payroll bureau or an adviser.

An introduction to auto enrolment

A guide to help explain the rules and regulations around auto enrolment including summary of auto enrolment, eligibility of a workforce (eligible jobholders, entitled workers and non-eligible jobholders), timings, member costs and postponement.

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Understanding auto re-enrolment

This document describes the process an employer must follow roughly every three years from their staging date.

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For payroll bureaux: Step by step guide to auto enrolment

This step by step guide explains the process of auto enrolment through a series of defined steps. It is designed to help payroll bureaux take control of auto enrolment and turn the legislation into an opportunity for their business. Steps covered include: When will it affect my clients?, Which pension provider suits my business model best?, How can I influence my clients’ choices?, Postponement, Payroll integration and Communications.

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Resource Library - Signing up

Direct Debit instruction for contributions

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting contributions.

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Direct Debit instruction for charges

A form for employers to complete and return to NOW: Pensions with instructions for their bank to pay for deducting charges, if applicable.

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Guide to downloading a Direct Debit reconciliation report

This document provides guidance on how to use the Direct Debit contribution reconciliation report that is available on your NOW: Pensions portal.

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For payroll bureaux: Guide to signing up clients

This document includes all you need to know about signing up your clients with NOW: Pensions. Registration, signing clients up online, contribution models and information about the NOW: Pensions microsite used for managing the pension scheme.

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Payroll bureau template: Letter for existing clients

A template that payroll bureaux can use to send to their clients informing them about the details of working with NOW: Pensions as a chosen auto enrolment pension provider.

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For payroll bureaux: Offering your clients a managed solution

A one page document which explains the managed auto enrolment solution and the key points to consider when making this offer to clients.

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Online sign up form

The online sign up form can be completed and given to a business adviser such as a financial adviser or payroll bureau who can set up your NOW: Pension scheme online for you.

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Resource Library - Employer portal set up

Guide to setting up and using your employer portal

This is a document guiding employers through the initial set up of their employer portal and includes: logging in, verify company details, employer/admin role account setup, setting up your payroll, postponement decisions and importing employee data.

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Payroll calendar upload template

A template that can be used to bulk upload your payroll timetable. The bulk upload facility allows you to create multiple pay periods in one go. We would suggest that you have a minimum of 3 and a maximum of 12 month’s worth of future pay periods set up at any one time.

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Resource Library - Employee communication

An Employee’s Guide to Auto Enrolment

A succinct easy to read guide which explains auto enrolment from an employee’s perspective.

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Member booklet

A booklet provided to members of the NOW: Pensions scheme explaining how their money is invested, transferring in other pensions, charges, who to contact and frequently asked questions.

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For employees: Auto enrolment – what to expect

A one page document which shows members the types of communications they will receive starting with postponement letters, when they will be auto enrolled, welcome letters and annual statements.

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PowerPoint: Introducing your workplace pension

A presentation for employees which highlights: What is auto enrolment, why it is happening, how does it affect me, when will I be auto enrolled, costs, when and how can I take the benefits, what if I don’t join and information about NOW: Pensions.

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Template: Information letter for employees being auto enrolled

A letter which employers can give to their employees outlining when they will be auto enrolled, who is eligible to join and letting them know that NOW: Pensions will be looking after their scheme.

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Template: Tell your employees auto enrolment is coming

A letter which employers can give to their employees outlining when they will be auto enrolled, who is eligible to join and letting them know that NOW: Pensions will be looking after their scheme.

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Information poster suite (A3)

This is an employee education poster package highlighting different auto enrolment messages with contact details (web and phone). Useful for employers to display in their workplace to educate their staff who would like more information on the new legislation.

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Information poster suite (A4)

This is an employee education poster package highlighting different auto enrolment messages with contact details (web and phone). Useful for employers to display in their workplace to educate their staff who would like more information on the new legislation.

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Expression of wish form

This document is for members to fill in outlining how they would like to allocate their scheme benefit should they pass away.

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For members: What can you do with your pension pot

A two page document explaining the new pensions regulations on freedom and flexibility in retirement that came out on 6th April 2015 and the options that are available.

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For members: Your pension’s key features

A summary of the key points employee’s need to know about their pension. It includes a brief description of auto enrolment, how the pension arrangement works, what tax relief means, how much their pension will cost and frequently asked questions.

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A member’s guide to investments

This education brochure details how NOW: Pensions manages a member’s pension savings and how we invest employer and employee contributions. It also includes information on how we look after the money now and in the future.

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Resource Library - Bureau microsite management

Guide to the generic input file (payroll assessing)

This document is to be used where payroll is undertaking the assessement and is to be used to help you identify the information that should be included on the generic input file including the specific format required for each column so that it can easily be uploaded into the NOW: Pensions portal.

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Guide to the generic input file (NOW: Pensions assessing)

This document is only to be used where NOW: Pensions is performing the assessment functions. Within it you will find the information that is to be included in the generic input file when uploading it to the NOW: Pensions employer portal.

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Guide to the generic input file (voluntary scheme)

This document is for those who have selected a voluntary scheme. It is to be used where payroll is undertaking the assessement but the file being used has no headers. It is to be used to help you identify the information that should be included on the generic input file including the specific format required for each column so that it can easily be uploaded into the NOW: Pensions portal.

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Keep it clean: The dangers of dirty data

This document will help you understand the importance of keeping data clean and how you might overcome data discrepancies.

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Guide to setting up and using your payroll bureau microsite

A practical document guiding payroll bureaux through the initial set up of their microsite and includes: logging in for the first time, creating additional users for the site, verifying client’s details, setting up client’s payroll details, importing client data, retrieving opt in and opt out data and viewing and amending employee Data.

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Guide to setting up pay periods

Some payroll software providers operate on a tax week/month basis so there may be some work to do at the start of the tax year to ensure submissions from payroll software providers can be accepted by NOW: Pensions. Within this document you will find instructions for creating new pay periods and amending existing
pay periods for the 2015/2016 tax year.

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Guide to avoiding data duplications

This document helps identify any potential problematic data to ensure that employee records are not being duplicated and employees are not being paid twice.

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Guide to the generic output file

This document explains the different columns and formatting to be included in the file which is exported from the NOW: Pensions portal.

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Payroll calendar upload template

A template that can be used to bulk upload your payroll timetable. The bulk upload facility allows you to create multiple pay periods in one go. We would suggest that you have a minimum of 3 and a maximum of 12 month’s worth of future pay periods set up at any one time.

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Your data files explained

The purpose of this document is to help employers understand what a good file looks like so they can understand how errors can happen, why they can cause problems and how to fix these problems with they arise.

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Guide to common errors and warnings

This guide highlights some of the most frequent errors (in no particular order) encountered when uploading payroll files in the NOW: Pensions portal and provides guidance to overcome these issues should they arise.

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Resource Library - Reports & white papers

Pensions Policy Institute report into automatic enrolment changes

This report, published by the Pensions Policy Institute, commissioned by NOW: Pensions, examines the impact of removing the auto enrolment trigger and the “qualifying earnings” bands.

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Caveat venditor – The brave new world of auto enrolment whitepapers
Value for money – Assessing value for money in defined contribution default funds

This report published by the Pensions Institute, explores whether the cost of membership offers value for money to the ‘average’ member. It looks at preliminary quantitative and qualitative findings of Caveat Venditor and provides fresh analysis.

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Pensions 2022 – A vision of the future

“Pensions 2022 – a vision of the future” is a white paper report that brings together the views of eleven industry experts and commentators on what they hope the world of pensions will look like in 2022 – ten years on from the introduction of auto enrolment – and what they believe needs to happen to make their vision a reality.

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Policy of Social Responsibility in Investments – NOW: Pensions Trust

The Policy of Social Responsibility sets out the principles and policies adopted by NOW: Pension Trustee Limited in investing the assets of NOW: Pensions Trust.

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Resource Library - About Auto Enrolment

Resource Library - Signing Up

Resource Library - Setting Up

Employer portal set up

Resource Library - Scheme Administration

Managing contributions

Resource Library - About NOW: Pensions

I'm excited by the opportunity to help bring to the UK auto-enrolment market NOW: Pensions, a customer-friendly and responsive trust-based alternative to NEST and to contract-based offerings. — Chris Daykin, the former Government Actuary
I firmly believe in NOW: Pensions' principle that everyone deserves the right to a better retirement. I look forward to being part of the team which aims to achieve this in the UK. — Win Robbins, former Head of European Fixed Income Barclays Global Investors
I've known ATP for many years and have enormous respect for the effectiveness of their investment strategy. I'm convinced that NOW: Pensions can become a major player in the UK and look forward to being a part of that success. — Chris Daykin, the former Government Actuary
“We were impressed with the simplicity of its scheme. The ease of implementation was also a big plus for us and has removed much of the administrative headache.” — Neil Tune, HR director at Fitness First
We decided to appoint NOW: Pensions because of the simplicity and robustness of its scheme. The NOW: Pensions product is both cost effective and straightforward to implement... — Mark Roberts, Managing Director at gap personnel