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FAQ
Auto-Enrolment
Auto-Enrolment is Coming to Irish Workplaces.
Here’s What You Need to Know.
Ireland is finally rolling out its long-anticipated auto-enrolment pension system, aimed at increasing retirement savings among workers who don’t currently contribute to a pension. For business owners, this marks a significant shift in payroll responsibilities and long-term planning.
The Basics
— 3 Key Facts for Employers:
It’s Mandatory.
Starting in Jan 1st 2026, all eligible employees aged 23 to 60, earning over €20,000 per year, and not already in a qualifying pension will be automatically enrolled in a new national pension scheme.You Have to Contribute.
Employers will be required to match employee contributions — beginning at 1.5% of salary, rising to 6% over the next decade. The State will also top up employee contributions at a rate of 33% (i.e. €1 for every €3 the employee contributes).You Can’t Opt Out.
While employees will have the option to pause or opt out after six months, employers must participate and cannot opt out of the system.