Nucleus Reviews 

Our client is still waiting on a transfer to be processed to allow him to purchase an annuity. We have been given the wrong timescales on numerous occasions and am still waiting on work to be processed. The customer service agents are very helpful however the back office admin is recording their work items correctly and we are constantly provided with the wrong information.

If I could give zero stars then I would. 6 weeks after asking for a draw down from Fisher Investments, the money still hasn't even got into Nucleus let alone come out again. Apparently there is a problem with their platform after the James Hey merger. Surely this is a basic functionality. Absolutely dreadful.

You haven't sorted my issue yet so it's a bit premature to be asking for a review. I've been waiting since March.

Terrible organisation. Unresponsive. Slow. Hide behind their new platform. I am moving my large pension away from them because of loss of trust and how poor they have been handling basic things like pension top ups.

This review is being sent from the USA where I am once again located supporting a family member under going medical treatment. Nucleus is aware of this .
On June 10, 2026 I LOGGED into my Nucleus Account BUT DID NOT RECEIVE THE AUTHENTICATION EMAIL FOR WHICH I REQUESTED A RESEND. I NOW SEE A MESSAGE THAT " MY ACCOUNT IS LOCKED OUT BECAUSE OF NUMEROUS INCORRECT PASSWARD ATTEMPTS". THAT STATEMENT IS N O T C O R R E C T I was logged in but did not receive the email authentication message. I have sent 3 messages to NUCLEUS and each time received their AUTO reply da da large volumes etc and I can expect a response within 48 hours. I am still unable to LOGIN to my account in conditions that most professional market commentators would describe as extremely uncertain and volatile. There are no words to describe the absolutely abysmal customer service from NUCLEUS. I won't deal with it here but I still have my complaint of MARCH 12, 2026 still unresolved. This complaint I will now appeal to the Pension Ombudsman.

This is the worst platform around. I have been trying for 5 months to transfer my pension to a new platform and have experienced delay after delay. To make the transfer easy, I actually sold all my investments and moved them into two simple tracker funds but this has made no difference. I call them regularly to chase but no-one is able or willing to help. I have complained to the Nucleus CEO and issued a formal complaint. After 8 weeks they hadn't even completed reviewing my complaint so I have now escalated to the Pensions Ombudsman.

They recently even had the audacity to charge me an annual fee for 2026/27 three months after I served notice to move to a new platform. They recently moved to a new platform/re-branded themselves, so I don't know whether they are having systems issues.

Given how slow and incompetent they are, I would suggest that they re-brand themselves as HS2 rather than Nucleus!

AVOID AT ALL COSTS

If a company can't handle a basic enquiry I am not in the least surprised it can't deal with annuity & drawdown payments.
My personal experience has led me to withdraw & transfer all funds.I will not be the only one.

Am still waiting for my draw down payment. Was told it would be last Wednesday, nothing. A week has passed no word from them. Now told it might be next Wednesday two weeks later. They had my request in early May but just sat on it, found out my bank details I sent them had not arrived? But failed to inform me.
I have requested Fisher find me an alternative financial company as it looks like they are disorganised. Staff were generally polite though but no one could give me a pay out date?

Efficiency and promptness of your staff.

After emailing you, with a question regarding my account, all i got back was this asking how you did with my inquiry, without any answer

Firstly I would like to say that the staff I have spoken to ( many times) have been nothing but polite and have tried their hardest to be helpful, and deserve credit for that.
However it is now it is now 4 months since they should have made a payment to me, notwithstanding I am on their vulnerable list following hospitalisation. They have offered and transferred agreed compensation, but not the sum originally requested, of which they had notice in December 2025. Twice before February 2026 at my request I was told everything was in order and no further information was required - which they have acknowledged as true. Today they tell me they have difficulty making overseas transfers even though they are transferring to a sterling account. The inefficiency of their system and the absence of communication is appalling.

Spoke to Hannah, today. Brilliant, she knew the answers to my questions, elaborated where appropriate. I got straight through, and the call was very helpful. I have to say my experience of nucleus has been excellent, on the few occasions I have needed to call. Today Hannah was especially helpful. thank you

Transfer out information provided to the new scheme was incorrect and subsequent complaint remains outstanding.

They do not carry out your inatructions Very poor responces for information on your sipp investments.

My experience was NOT great - in fact the opposite. Nucleus insist on passing their responsibility to provide valuations and other policy info back onto the financial adviser - the entity that provides them with their business in the first place. No other company I deal with in obtaining policy info takes this stance and it thoroughly upsets the advisers. Even when there is not a financial adviser involved they grumble about performing their responsibility and take an age to perform it.

We sent a secure message request on 23rd January, we have chased every month since and despite the initial acknowledgement have had no further response from you. Today we tried calling, you would not put the call through to the relevant department, would only take a message, which would take 10 working days to respond, despite us already waiting over 4 months.

I started my tax return for 25/26 year. I needed my tax certificate from Nucleus and sent a request but email.
To my surprise the response stated, fairly bluntly, that since I had a financial advisor, I should ask him!

Your customer representative (Martha) was excellent, she explained that there would be some delay in receiving the funds from my drawdown account with Equilibrium.

Complaint not resolved after many weeks.
Nucleus are a shambles.
Do NOT use.
They employed good complaints handlers. But the key staff to action work are just not there.
I rejected a paltry offer of compensation for their errors weeks ago. I have heard nothing in reply.
The website is lousy. Staff systems have failed. Senior management counting their loot. The company is making vast profits: and will make more post merger because they have not staffed properly.
This is a good example of failing Britain. Strip/ Shaft/ run.
Get out if you can . Its hard because many other providers do not offer the hybrid self manage option.
A cynic might suggest Nucleus WANT self op clients to quit because they generate low return.
I only wish I could use the strongest anglo saxon expletive here - but I obviously will not!!!!!
Utter bilge.