Claim tax relief on your private pension payments

Question

Accepted Answer

If you complete聽a Self Assessment tax return, you must claim through your tax return (for the current tax year and any previous years). Use this service if you are claiming tax relief through your tax code for just the current tax year.

Who can claim

To be eligible to claim tax relief you must be:

an intermediate rate taxpayer or a higher rate taxpayer that pays into a personal or workplace pension
a basic rate taxpayer that pays into a workplace pension but the employer does not or will no longer claim tax relief
a basic rate taxpayer that pays a lump sum into a personal or workplace pension that is not under a net pay scheme

A net pay scheme is where the employer takes your pension contributions from your pay before any tax is deducted.

What you鈥檒l need

To claim tax relief on your personal and workplace pension payments, you鈥檒l need to know:

your National Insurance number
the type of pension
the name of the pension provider
the net amount of pension contributions for each tax year you鈥檙e claiming for
your payroll number or reference number

You鈥檒l need to upload or send proof from your pension provider of payments made for each tax year you鈥檙e claiming for, where any of the following apply:

they鈥檙e more than 拢10,001
you paid a lump sum
you are a basic rate taxpayer and no tax relief has been claimed at source

How to claim

Claim online

You鈥檒l need to sign in with your Government Gateway user ID and password (if you do not have a user ID, you can create one when you first try to sign in).

You can save your progress and come back later.

Claim now

Claim by post聽

You must send us a letter if you鈥檙e:

unable to claim online
an agent acting on behalf of a client

You鈥檒l need to include all the information from the 鈥榳hat you鈥檒l need鈥� section in your letter.

After you鈥檝e claimed

We will review your claim and contact you within 28 working days.

If you need to change your claim

You can make a change to your claim after you submit it, for example because you need to add another pension. If you do this you will need to provide details for all the pensions you added previously, including any new ones. This will replace your previous claim for the selected tax year only.

If you need to make changes to multiple tax years, you鈥檒l need to do this separately for each tax year affected.

You can also remove pension details for a selected tax year but this will cancel your claim for that year.

Online claims

You鈥檒l need to use the same Government Gateway user ID and password that you used to make your initial claim.

You can make changes to the information you submitted. You should do this as soon as possible by signing into the service and selecting the relevant option to make changes.

Claims by post

You must send us a letter with all the details you want to add or remove from your claim, for each tax year affected.

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