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How It Works

Joining and Auto Enrolment

You can become a Member of Crystal in one of two ways:

  • You will either be automatically enrolled by your Employer.
  • Or alternatively, if you are not automatically enrolled you can ask your Employer to enrol you.

Your eligibility to be auto-enrolled into Crystal is based on your age and earnings. If you do not meet the statutory conditions for auto-enrolment and are aged between 16 and 74 you may choose to join Crystal.

Crystal provides you with a seamless experience, guiding you from building up your Retirement Savings to taking benefits, without ever having to switch to another provider.

Auto Enrolment

If you are automatically enrolled in Crystal your Employer will provide us with your details and automatically deduct contributions from your pay unless you opt-out.

Your first month’s contributions will be invested in a Cash Fund whilst you decide if you would like to continue with your membership. After this period your Retirement Savings will automatically switch to the default fund.