Workplace Pensions and Auto-Enrolment in Ireland

Auto-enrolment has changed workplace pensions in Ireland. Here's what employers need to know, and why a good pension is still a valuable benefit.

Workplace pensions in Ireland changed on 1 January 2026, when auto-enrolment began under the My Future Fund scheme.

For employers, that makes pensions more than a nice-to-have. It's a good time to understand the new rules, review what you offer and help your employees make sense of their options.

What is auto-enrolment?

Auto-enrolment is a State-run retirement savings system. Eligible employees are enrolled automatically, and contributions come from three sources: the employee, the employer and the State.

Employees are generally eligible if they are:

• Aged 23 to 60
• Earning €20,000 or more a year across all their jobs
• Not already contributing to an employer pension through payroll

Others, such as people under 23 or earning less than €20,000, can opt in.

How much goes in?

Contribution rates rise in stages over 10 years:

Contributions apply to gross pay up to €80,000.

What can employees do?

Employees stay in for the first six months. They can then opt out during months seven and eight and get their own contributions back. Employer and State contributions stay in their pension pot. People who opt out are re-enrolled after two years if they're still eligible.

What employers need to do

• Make contributions and manage payroll correctly
• Keep accurate records
• Avoid pressuring anyone to opt out
• Be ready to answer questions, or direct people to official resources
• Follow updates from NAERSA, the authority that runs the scheme

Why your own pension can still make a difference

Auto-enrolment sets a baseline. A company pension scheme or PRSA can go further, and may be something candidates compare between employers.

Employers can use it to stand out through higher contributions, matching what employees pay, or adding support such as life cover. Employees already contributing to an employer scheme through payroll aren't auto-enrolled for that job.

Helping employees plan ahead

Many people find pensions confusing, so a little support goes a long way. These are simple points to share:

1. Start early. Even small amounts have longer to grow.
2. Check your contributions. Find out what your employer pays and whether contributing more would earn a match.
3. Understand your investment options. It's worth knowing where your money is invested and the level of risk.
4. Review it regularly. Salary changes and major life events are good times to check your plans.
5. Remember the State Pension. Check your entitlement, and how it fits with your other savings.
6. Get qualified advice. A financial adviser can help with your own circumstances.

Review your pension offer

Hubex offers retirement and life planning support as part of its employee benefits range. Talk to our team about how pensions fit into your wider package.

This article is general information, not financial or legal advice. Rules and rates can change, so check current guidance or speak to a qualified adviser.