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Nest · QROPS Transfer for NRIs
Transfer Your Nest UK Pension to an Indian QROPS without the guesswork.
Nest (the National Employment Savings Trust) is the UK government-backed workplace pension scheme created for auto-enrolment, and it primarily holds smaller pension pots built up by employees who were automatically enrolled by smaller UK employers. If you built up a Nest pot during your UK working years and have now settled, or are settling, in India, we can assess whether an HMRC-recognised QROPS transfer is possible and what it involves.
India's Best QROPS Specialist · HMRC-recognised QROPS · 13+ years · 1500+ NRIs guided
Your Nest Pension
What kind of Nest pension are you likely holding?
Nest was set up specifically to make auto-enrolment work for every UK employer, however small — which shapes the kind of pension pot most members hold.
Almost every Nest member holds a defined contribution auto-enrolment pot, built up through minimum contributions from you and your employer under UK auto-enrolment law. Because Nest was designed to accept smaller and simpler employers that other providers weren't set up for, pots are often relatively modest in size compared to those held with legacy insurers, and members frequently have several separate small pots from different jobs rather than one consolidated pension.
Before looking at a transfer, it's worth checking whether consolidating multiple UK pots (Nest and otherwise) into one before moving to a QROPS makes more sense than transferring each separately — something we can advise on as part of your assessment.
Transfer Considerations
What matters most when moving a Nest pension
Nest has historically applied specific restrictions on transferring out, separate from the general HMRC rules that apply to every UK pension transfer.
Nest's own transfer-out rules
Nest historically restricted transfers out while a member was still actively contributing, and while those rules have eased over time, conditions can still apply — this is genuinely worth checking with a specialist before assuming a transfer is straightforward.
ROPS verification and the 55% penalty
As with any provider, we confirm your receiving scheme is on HMRC's recognised list before any funds move, avoiding the unauthorised payment charge of up to 55%.
HMRC-compliant paperwork
Discharge forms, ID verification and provider declarations are all prepared to be accepted by Nest the first time.
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Related pages & other providers
The transfer process
A step-by-step look at how your money moves. See the process →
Talk to us
Start your Nest QROPS assessment today. Contact us →
Other providers
Also handling transfers from The People's Pension, Aegon and more. All providers →
Start with a Free Assessment
Ten minutes is all it takes to know where your Nest pension stands.
Tell us about your Nest pot and where you're settling. We'll come back with a clear, no-obligation read on whether a QROPS transfer is right for you, what it would cost, and how long it would take.