Help Centre

Tax relief top-up

 How to claim your tax relief top-up

If you’re a tax-payer, you automatically get tax relief on your pension contributions at the highest rate that applies. If you don’t pay tax, you won’t benefit from this, although this doesn’t affect the amount that’s paid into your pension.

Although the government is taking steps to address this situation, NOW: Pensions is keen to ensure that non-taxpayers don’t miss out. So, if you haven’t paid any tax on any of your UK earnings, we’ve committed to top up your pension pot by the amount of tax relief you’ve missed out on for the 2019/20 tax year.

To enable us to do this, you need to fill in a claim form, as well as give permission to the Inland Revenue (HMRC) to communicate your tax situation to us.

The window to claim our tax top-up for the 2019/20 tax year is now open.


If you have any queries, please check this page 

 Net pay vs relief at source


There are two ways that pension schemes can collect the tax relief savers benefits from when contributing to a pension – net pay and relief at source.

NOW: Pensions operates a net pay scheme. This means your employer deducts your contribution from your gross pay and forwards this to us, together with your contribution. As a result, any contribution you make is deducted before income tax is calculated and taken.

If you are a taxpayer, this means you automatically get income tax relief on your pension contributions at the highest applicable rate. However, if you don’t pay income tax, you won’t benefit from any income tax relief on your pension contributions. This doesn’t affect the amount that is paid into your pension.

In relief at source schemes, all savers receive tax relief even if they don’t pay income tax.



NOW: Pensions has a good technical infrastructure combined with a pension product suitable for our team. We couldn’t be happier with NOW: Pensions.
Martin Woods,