If you’re being automatically enrolled, the letter from your employer will explain how to opt out of the pension.
Usually, you’ll need to submit a form to do this. But some pension schemes allow you to opt out online or by phone.
Your employer will tell you who you need to contact. But they’re not allowed to handle the process for you – for example, by giving you an opt-out form.
This is to prevent employers from encouraging their workers to opt out.
If you opt out within one month of joining, your employer will refund any money you’ve paid into the pension scheme.
If you opt out later, the money will usually stay in the pension scheme until you retire.
If you opt out, your employer has to automatically enrol you into their pension scheme again every three years. This is assuming you remain eligible for automatic enrolment at that time.