Auto-enrolment retirement saving scheme complaints - MyFutureFund
Pension auto-enrolment is due to begin in Ireland on 1 January 2026. This is a new compulsory retirement savings scheme called MyFutureFund. It is for employees aged between 23 to 60, who earn more than €20,000 per year, where these employees are not already part of an Irish workplace pension scheme.
The National Automatic Enrolment Retirement Savings Authority (NAERSA) is a statutory, independent body created to administer MyFutureFund. It is the caretaker of participants’ interests and savings.
What should I do if I want to make a complaint about auto-enrolment, NAERSA or MyFutureFund?
Talk about your complaint with your employer.
If your employer cannot resolve your complaint, then you must make a complaint to MyFutureFund and allow it time to investigate and give you a decision about your complaint.
If you are unhappy with the decision, you may be able to appeal.
Once you have completed the NAERSA/MyFutureFund complaint process, including any appeal process available to you, then you may be able to complain to the FSPO.
Only members or participants in MyFutureFund are able to complain to the FSPO about MyFutureFund.
MyFutureFund can be contacted at:
Webchat service on their website MyFutureFund.ie
By phone: + 353 1 568 9555, Monday-Friday, 9am to 6pm (excluding public and bank holidays).
In writing: MyFutureFund, TCS Drive, Letterkenny Technology Park, Letterkenny, Co. Donegal, F92 W8CY.
What's the next step?
If you are not satisfied with the decision from the internal review of your complaint and appeal by MyFutureFund/NAERSA, you may be able to bring your complaint to the FSPO.
Please see our FAQs on auto-enrolment below. You can make a complaint to us through our online complaint form. When we get your complaint, we will review it and assess if it is a complaint that we can progress. If it is not a complaint that the FSPO can investigate, we will let you know.
If you require further information you will need to contact MyFutureFund/NAERSA at 01 568 9555.
Please note, the FSPO is an impartial entity, this means we cannot provide members/ participants or employers with any advice on MyFutureFund.
Can the FSPO give me advice on MyFutureFund/NAERSA/auto-enrolment?
No, the FSPO is independent and cannot give advice. There is information on NAERSA/MyFutureFund website.
Can you tell me whether I should/should not have been auto-enrolled?
No, the FSPO cannot advise you.
How do I complain about MyFutureFund/NAERSA/auto-enrolment?
There is information on how to complain to NAERSA/MyFutureFund on their website.
They can be contacted by post at TCS Drive, Letterkenny Technology Park, Letterkenny, Co. Donegal, F92 W8CY.
It is also necessary to fill out their Complaint Form.
I am not happy to be included in MyFutureFund/auto-enrolment. Can I complain?
Yes, you can complain to NAERSA/MyFutureFund.
I am already in a pension scheme and think I have been enrolled in error. Can I complain?
Yes, you can complain to NAERSA/MyFutureFund.
My wages are less than €20,000 per year. I think I should not be enrolled. Can I complain?
Yes, you can complain to NAERSA/MyFutureFund.
I don't want to complain to NAERSA/MyFutureFund about auto-enrolment. Can I complain to the FSPO instead?
No, you cannot complain to the FSPO unless you have already complained to NAERSA/MyFutureFund and received its response.
What can the FSPO investigate in pension complaints?
We can investigate the conduct of a pension provider for the following
- miscalculating your pension benefits under the rules of the scheme
- failing to do something it should have, which caused you an actual loss of benefit under the scheme
- not following the scheme rules or the law
- taking too long to do something without good reason that causes you an actual loss of benefit under the scheme
- We cannot direct compensation even if your complaint is upheld, but we can ensure you get any benefits you are entitled to get