now:pensions Reviews 1,472

TrustScore 3 out of 5

2.9

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Review summary

Created with AI, based on recent reviews

Looking at 550 reviews, most reviewers were unhappy with their experience overall. Many people were dissatisfied with the customer service, finding it unhelpful and difficult to reach a real person. They also encountered significant issues with payment processing, including delays in receiving funds and problems with bank details. Customers frequently reported difficulties with contacting the company, experiencing long response times and unhelpful interactions. Some people also felt that the overall service was poor, with issues like accounts being locked and a lack of clear communication regarding their pensions. Conversely, a small portion of people were satisfied with the service, noting helpful staff and smooth transactions.

What people talk about most

Payment

Reviewers highlight negative aspects of payment. Many customers report significant delays in receiving their... See more

Customer service

Users describe negative interactions with customer service, often citing difficulties reaching a human,... See more

Service

Consumers find service to be negative, with many expressing extreme dissatisfaction and frustration.... See more

Customer communications

Customers consistently note negative experiences with contact. Many reviewers report difficulties reaching a... See more

Response time

Customers consistently express frustration and dissatisfaction with response times. Many report significant... See more

Reviews shaping this summary

Rated 2 out of 5 stars

I have a small pension with now through employer, I have been trying to withdrawer since early march, had same problem as most, sent documents as address changed, this part went well but to get my mon... See more

Company replied

Rated 2 out of 5 stars

It took from July 2025 to May 2026 to get my pension payout. This was due to email and login issues. It took my financial advisor to help me resolve this issue. My money could have been gaining intere... See more

Company replied

Rated 4 out of 5 stars

Very frustrating at the start as they thought I had 2 pensions. Then not told until my last call that I actually had to submit a form to get my pension, even though I said I would take it while on the... See more

Company replied

Rated 1 out of 5 stars

Well, your system eould not recognise my bank details, you already had my I D prior to the request to take pension discussion. Your email system is awkward. My payment still has not arrived in my bank... See more

Company replied


Company details

  1. Pension Fund
  2. Financial Institution
  3. Fund Management Company
  4. Investment Service
  5. Pension Office
  6. Retirement Scheme Provider

Written by the company

now:pensions is an award-winning UK workplace pension provider. We look after the pension savings of millions of members on behalf of tens of thousands of workplaces from lots of different industries. We have a clear mission – to help everyone save for a more financially secure future. We’re dedicated to helping our members make the most of their pension savings and get a retirement they can enjoy. And, we’re fighting for a fairer pension system that benefits everyone. By highlighting pension inequalities and campaigning for change, we’re helping more pension savers get the kind of retirement they want. We are the UK's third largest auto enrolment pension provider by number of members.

Frequently asked questions (FAQs)

Written by the company

Why do I have a workplace pension?
The government’s auto enrolment laws mean all employers must put eligible employees into a workplace pension and contribute to their pension savings. NOW: Pensions provides workplace pensions for millions of members on behalf of tens of thousands of employers.
Can I stop paying into my pension?
Yes, you can stop paying in at any time. After being auto enrolled for one month, the pension savings you’ve saved will be invested until you retire or transfer to another pension provider. You’ll be able to see your account at nowgateway.com. If you stop paying into your pension, you’ll miss out on your employer’s contributions – at least 3% of your earnings; tax relief; and building up pension savings. Please note charges will still apply.
Can I opt out?
You can opt out within a month of being auto enrolled and get back any money you’ve paid in. If you opt out after a month, your pension savings will be invested until you retire or transfer to another pension provider.
Can I have my money now?
Pension laws mean if you don’t opt out within one month of being auto enrolled, your pension savings will be invested until you retire or transfer your savings to another pension provider. You can start to take your pension savings any time after you reach age 55.
Why can’t I cash in my pension savings?
After you’re auto enrolled in a workplace pension, pension laws give you one month to opt out. After a month, your pension savings will be invested until you retire or transfer your savings to another provider.
How long does it take to transfer out?
Once we’ve received everything we need to carry out your transfer request, payment can take up to 25 working days.
How do I check the progress of my request?
If you’ve made a request and want to check how it’s going, email trustpilot@nowpensions.com or give us a call on 0330 100 3334 and we’ll be able to update you.

Contact info

2.9

Average

TrustScore 3 out of 5

1K reviews

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Rated 1 out of 5 stars

Poor experience

Poor experience. I am not alone looking at poor overall reviews of Now Pensions. I decided to withdraw my small pension and wanted the payment processed in the current tax year. At no point during the online process did it mention I was too late for the current year. It was all vague, "about 5/7 days" then an update "a few days" I assumed 9 working days ..based on the admittedly vague information quoted would be sufficient. It wasn't. It took 4 days to even disinvest. then after they received my funds, they took another 4 days to action the payment to me. This means it fell into the next tax year. As a financial company dealing with payments that affect people tax, clear timescales about how long the process would take should have been been quoted. Poor service, as in my opinion the I was not given the proper information I required to withdraw my pension.

7 April 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi,

Thank you for leaving your review.

My understanding of your situation is that you are unhappy about the service and delays you experienced with us. I would firstly like to apologise for the inconvenience caused.

We value your feedback, and we wish to investigate this further.

As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you,
Heloise
now:pensions

Rated 2 out of 5 stars

Withdrawing pension

I have a small pension with now through employer, I have been trying to withdrawer since early march, had same problem as most, sent documents as address changed, this part went well but to get my money all correct docs sent 12/3 but I am still waiting, I spoke to 3 members of their staff all who were excellent helped as best they could needlessly to say I am still waiting. emails are all generic, phone calls costly!

6 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hello,

Thank you for leaving us a review to raise your concerns.

My understanding of your situation is that you have expereinced delays whilst trying to withdraw your pension.

I’m sorry that you’ve had to raise this with us.

We value your feedback, and we wish to investigate this further.

As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you,

Ellie
now:pensions

Rated 4 out of 5 stars

Holly solved my question in one email

Holly solved my question in one email! Thank you.

1 April 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi Michael,

Thank you for your positive review. We’ll make sure your feedback is passed on to the relevant team.

Please let us know if there’s anything else we can help with.

Thank you,

Ellie
now:pensions

Rated 5 out of 5 stars

Thanks for working on my behalf quite…

Thanks for working on my behalf quite quick, but still got some outstanding

31 March 2026
now:pensions logo

Reply from now:pensions

Hi Lorraine,

We’re happy that we could resolve your query and thank you for your feedback.

Please let us know if there’s anything else we can help with.

Thank you,

Ellie
now:pensions

Trustpilot is assessing this review in accordance with our flagging process.

Rated 5 out of 5 stars

The best experience

The best experience

1 April 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi Arkadiusz,

Thank you for letting us know about your experience.

Please let us know if there’s anything else we can help with.

Thank you,
Andrea
now:pensions

Rated 1 out of 5 stars

STAY AWAY

STAY AWAY, DO NOT INVEST, YOU WILL NEVER GET YOUR MONEY BACK!!!!! Despite alleged claims of investing thousands of pounds for hundreds of customers successfully, I know of ten former work colleagues who are experiencing the same issues as myself. This is my second review on trust pilot about this RUBBISH company. Since my last review I received a message and link via trust pilot with a "direct" email address. A first in five years of trying. After another five emails and two registered posting from myself, 4 months later I am no nearer getting my money back. In short, I live in Spain and was placed in their pension scheme by an English employer and notufied after the cooling off period. My employer was not a trained pension advisor for Now Pensions and did not advise me of the problems I would have getting my money back. You have to hold a British bank account. Through my emails and registered post, I advised them of this, supplied all the information requested and confirmation of my wifes UK bank. FOUR MONTHS down the line and they haven't even responded. Customer service line in none existent and obviously they are not responsible nor professional to answer emails. I think the financial onbudsmens need to know more of this companies DISGUSTING attitude towards its investors.

31 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi Andy,

Thank you for getting in touch and providing your feedback.

I appreciate your frustrations regarding the service you have received at now:pensions. I’m sorry you’ve had a poor experience with us.

I would like the opportunity to put things right. As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you,
Heloise
now:pensions

Rated 5 out of 5 stars

Very quick service

Very quick service, it’s excellent thank you. Xx

26 March 2026
now:pensions logo

Reply from now:pensions

Hi Airene,

Thank you for your positive review. We’ll make sure your feedback is passed on to the relevant team.

Please let us know if there’s anything else we can help with.

Thank you,

Heloise
now:pensions

Rated 5 out of 5 stars

Stress free process

30 March 2026
now:pensions logo

Reply from now:pensions

Hi Judith,

Thank you for letting us know about your experience.

Please let us know if there’s anything else we can help with.

Thank you,

Heloise
now:pensions

Rated 1 out of 5 stars

Payout delays far beyond their estimated days to process

I told them I wanted to recieive pension 31/3/2026. 4/3/2026 received message saying that after I supplied info they would take 'about 15 days to payout'. told them by webchat to payout. 20 days later they hadnt 'approved disinvest' and said after that it was 7 days to payout after that. I was told to wait, with no date estimate available.

30 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi Tom,

The reference number you provided has been recognised by now:pensions, we have reached out to you via email.

Once we have received your response with further details we will be able to assist you further.

Heloise
now:pensions

Rated 5 out of 5 stars

Made moving my pension across fast and…

Made moving my pension across fast and simple. Easily done in the app. They handled everything. All I did was click a few buttons. Much appreciated!

27 March 2026
now:pensions logo

Reply from now:pensions

Hi Gary,

Thank you for your positive review. We’ll make sure your feedback is passed on to the relevant team.

Please let us know if there’s anything else we can help with.

Thank you,
Andrea
now:pensions

Rated 5 out of 5 stars

Really good service and pulled my…

Really good service and pulled my pensions into one pot which was hassle free.

23 March 2026
now:pensions logo

Reply from now:pensions

Hi,

Thank you for letting us know about your experience.

Please let us know if there’s anything else we can help with.

Thank you,
Andrea
now:pensions

Rated 1 out of 5 stars

Not paying my pension

They keep telling me by email they need more information. They have ALL the information they do not need anything else. It's even been posted by registered post.

I've already told them I want all my pension given back to me as I've now reached state retirement age. It is only a small amount, but it's mine and I am entitled to it.

I've heard nothing! How do I proceed? Is there an ombudsman to complain to.

7 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi Carole,

Thank you for leaving us a review to raise your concerns.

My understanding of your situation is you're attempting to withdraw your pension.

I would firstly like to apologise for the inconvenience caused. We value your feedback, and we wish to investigate this further.

As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you,
Andrea
now:pensions

Rated 1 out of 5 stars

Shocking

JustShocking, shocking and shocking. Requesting 3rd time for the same document's to prove address and name. All accepted and few days later the same story" we need more info from you" and request for the same information. Customer support - copy-paste. Secured chat - copy-paste. No answer to any questions. AVOID AVOID or move your money to different pension company.
Now u: no! Im not going to give you any of my details to contact! Spend to much time to contact you. Go away from me!
Update: now u reply to my review. Did they read it? NO! What tgey answer is? Provide personal details! What Iwrote in review? You can see above.
So again Shocking terrible response from now pension!

24 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hello,

I’m sorry you’ve had a poor experience with us.

I understand you’re unhappy about the repeated request for documents to change your personal details.

I would like the opportunity to put things right.

As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you,

Ellie

now:pensions

Rated 1 out of 5 stars

Over a period of 3 months my husband…

Over a period of 3 months my husband was taken out his pention through ill health sent all documents off 11 phone calls hours on web chat everyone repeatedly saying same thing we will get back to you at end of day the frustration this has taken my husband into depression has impacted so bad
There must be someone out there who can help him since we asked for the money out it has gone down 800 pound and continues to shame on you now pentions
I would appreciate if anyone could tell us who the best person we can talk to for help us to try to get it back before its to late

24 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hello,

I’m sorry that you’ve had to raise this with us.

I appreciate your frustrations concerning the time it has taken for your husband to withdraw his funds due to ill health.

We value your feedback, and we wish to investigate this further.

As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you,

Ellie

now:pensions

Rated 5 out of 5 stars

Quick

Quick, easy and hassle free 😁

12 February 2026
now:pensions logo

Reply from now:pensions

Hi Ioana,

We’re happy that we could resolve your query and thank you for your feedback.

Please let us know if there’s anything else we can help with.

Thank you,

Conner

now:pensions

Rated 5 out of 5 stars

I think Now is amongst the best…

I think Now is amongst the best pension custodian if not the best. They are very professional and their customers service is great. Their website and application is amazing, easy to navigate and clear understanding of your pension. I will always recommend it.

23 March 2026
now:pensions logo

Reply from now:pensions

Hi Ayobams,

Thank you for letting us know about your experience.

Please let us know if there’s anything else we can help with.

Thank you,

Conner

now:pensions

Rated 5 out of 5 stars

Pension consolidation

I didn’t know the providers of my pensions from my former jobs and now pensions was able to find and consolidate them with ease. No fuss and easy to do. Excellent service!

22 March 2026
now:pensions logo

Reply from now:pensions

Hi Alex,

We’re happy that we could resolve your query and thank you for your feedback.

Please let us know if there’s anything else we can help with.

Thank you,

Conner

now:pensions

Rated 1 out of 5 stars

I am extremely dissatisfied and deeply…

I am extremely dissatisfied and deeply frustrated with my experience with this pension company. Over the past three months, I have made repeated attempts to obtain my new policy number, update my address, and simply regain access to my account—yet these basic and reasonable requests remain unresolved. This ongoing situation is both unacceptable and exhausting.

Despite diligently following every instruction provided—including sending multiple emails and submitting all required documentation by post—I have made no meaningful progress. Each time I contact customer service for an update, I am met with different and often contradictory information. This lack of consistency has only added to the confusion, prolonged the process unnecessarily, and significantly increased my frustration.

The standard of customer service has been consistently poor. Representatives appear to lack both the knowledge and coordination required to handle even straightforward requests. It is extremely concerning that no one seems able to provide clear, accurate, or reliable guidance. This has resulted in a considerable waste of time and has eroded my confidence in the company entirely.

For transparency, I strongly urge a review of recorded calls, which will clearly highlight the conflicting information and inconsistent advice provided by various representatives. Equally concerning is the apparent lack of accountability or intervention from higher management, who have failed to take ownership or meaningful action to resolve this matter.

Furthermore, the information presented on the company’s website does not align with the actual service provided. The process for raising a formal complaint is unnecessarily restrictive and poorly designed, requiring customers to log in before submitting a complaint. This creates an unreasonable barrier and reflects a lack of genuine commitment to addressing customer concerns.

Given that this involves my hard-earned savings, the entire experience is particularly distressing. I expect a far higher standard of professionalism, efficiency, and integrity when dealing with matters of such importance.

Based on my experience, I cannot recommend this company. I would strongly urge others to exercise caution and reconsider their association with this.

18 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi Manvi,

Thank you for taking the time to share your experience.

We are sorry to hear about the difficulties you’ve had accessing your account and the frustration this has caused.

This is not the level of service we aim to provide.

We would really like to look into this in detail, including the points you’ve raised about the information you’ve been given and how you can raise a complaint.

Please contact our team at trustpilot@nowpensions.com with your full name, date of birth and national insurance number, so we can review your case, listen back to the calls where appropriate, and work with you to resolve matters as quickly as possible.

Thank you,
Seren
now:pensions

Rated 1 out of 5 stars

This company are very difficult to deal…

This company are very difficult to deal with, and I am a solicitor used to dealing with pension companies. Their forms are counter-intuitive, and their fixed procedures are inflexible when dealing with the estate of one of their deceased customers. I will certainly avoid them in future if I can and advice you to also.

12 March 2026
Unprompted review
now:pensions logo

Reply from now:pensions

Hi,

Thank you for getting in touch and providing your feedback.

I understand you’re unhappy about our forms and fixed procedures and have raised concerns about our processes.

I’m sorry you’ve had a poor experience with us. I would like the opportunity to put things right.

As we need to make sure we are looking at the correct details when investigating your query, could you please email the following essential information to trustpilot@nowpensionstrust.com:

Your full name

Full Address

National Insurance number

With this information we’ll do our best to resolve your query promptly. We constantly monitor this inbox and aim to respond to you within 2 working days.

Thank you
Heloise
now:pensions

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