We inform all employers of the opt-outs within their teams on a weekly basis.

However, if you submit the opt-out form after your employer's payroll cut-off date, the opt-out will be effective from the next month's payslip. This means that any contributions taken before we received your request to opt-out will be refunded with your next payslip.

If you opted out before the payroll cut-off date and still had a pension contribution deducted, please get in touch with us at hello@getpenfold.com. We'd be happy to look into this for you.