All contributions to NOW: Pensions are made through the employer. They deduct the contribution from your pay and forward this to us, together with their contribution.
Our process is defined by HMRC as a ‘net pay arrangement’. This means any contribution you make is deducted before income tax is calculated.
If you are a taxpayer, this means that you automatically get income tax relief on your pension contributions at the highest applicable rate.
If you do not pay tax, you will not receive tax relief on your pension contributions. However, this doesn’t affect the amount that is paid into your pension.