10 good reasons why it’s a great idea to work with NOW: Pensions

Guarantee help

We welcome employers of all sizes, in all sectors

  • We’re committed to providing SMEs with a quality auto enrolment pension.
  • It’s easy to set up your scheme – our checklist helps you provide the right information.
  • We’ll get you on track even if you’ve missed your staging date or duties start date. You can apply online quickly and start uploading pension data files within 48 hours.
Secure online website

Secure online system

  • When your application is submitted and approved we will automatically set up your online employer site on the NOW: Pensions Gateway, which you can access 24/7.
  • NOW: Pensions Gateway gives you the ability to manage your scheme, process member data and reconcile member records at the touch of a button.
Helping hand throughout

Help is at hand if you need it

  • Employer support teams are based in the UK and use plain English when answering your queries. We are open 9am to 5pm, Monday to Friday.
  • A dedicated client support team will look after you when setting up your scheme and if you have any administration queries in the future.
  • We have plenty of experienced staff ready to take your call.
All member communications

We can sort out all employee communications

  • If you’re not sure what information needs to be sent out to whom, and when, we can manage it for you, leaving you to get on with managing your business.
  • We’ll send out statutory communications for all types of workers, not just eligible jobholders. This means you can be sure you’re meeting your legal duties and keeping the regulator happy.
  • And there are plenty of online resources to help your workers make the right decisions for their retirement.
NOW pensions investment performance

One investment solution

  • Simple, proven investment strategy with no complicated fund choices.
  • You and your employees are not required to make any investment decisions; our independent Trustee Board takes on that responsibility.
  • As members get closer to retiring, the default investment solution gradually moves their funds to a cash-based environment to secure any growth.

Five contribution models

  • You choose how much you want to contribute to your workers’ pension, subject to the minimums required by the government.
  • A choice of contribution models makes our pension scheme suitable for every type of business.
  • You can use a combination of the models to offer different levels of contributions for different types of staff.

 Easy ongoing administration

  • Once your scheme is set up, our online system and support teams will help you manage your responsibilities at every stage.
  • We can administer opt-outs, opt-ins, joiners and leavers; facilitate transfers in and out of the scheme; issue annual benefit statements, plus allocate and invest member contributions.
  • We’ll also help you to manage the re-enrolment of eligible
Competitive charges

 Simple, competitive charges

  • One simple monthly employer charge of £36 +VAT.
  • The employer charge applies from your plan start date not from when you apply for your scheme. This means you can sign up well in advance without incurring charges.
  • We recommend you consider using the services of a payroll bureau and we offer a discount of up to 65% for employers who do.

Independent governance keeps your scheme secure

  • We’re formally authorised and regulated by The Pensions Regulator, having gone through the master trust authorisation process in October 2019.
  • NOW: Pensions is part of the Cardano Group, a market leader in providing risk and investment management services that help make pensions outcomes more stable and robust.
Information and support

Information and support for all members

  • Important fund and scheme information available anytime to members through their personal online portal
  • We handle the majority of member queries with a dedicated support phone number and email address, so keeping enquiries to you to a minimum.
  • We accept member transfers from previous pensions so employees can combine their savings in one place and potentially reduce fund management costs.


CTA button green previous page CTA button green next page

NOW: Pensions has a good technical infrastructure combined with a pension product suitable for our team. We couldn’t be happier with NOW: Pensions.
Martin Woods, SALT.agency