Frequently Asked Questions

You're likely eligible if you earn over £50,270 (higher-rate taxpayer) and contribute to a Relief at Source pension scheme like NEST, The People's Pension, or similar workplace pensions. Use our free calculator to check your eligibility in under 2 minutes.

Relief at Source is a method where your pension contributions are taken from your pay after tax, and your pension provider claims 20% basic-rate tax relief from HMRC. Most workplace auto-enrolment pensions use this method. If you're unsure, check with your pension provider or HR department.

If you filed a Self Assessment return for a tax year, HMRC requires the relief for that year to be claimed on the return - by amending it within 12 months of the 31 January filing deadline. Once that window has closed, the claim is made in writing as an 'overpayment relief' claim. Our claim form asks which years you filed a return for: your pack then gives the exact box and figure to enter for those years, and a correctly worded letter for the rest.

Yes. Our claim form allows you to enter details for multiple employers across different tax years. As long as you were a higher-rate taxpayer and contributing to a Relief at Source pension, you can claim.

It's simple: (1) Use our calculator to check eligibility, (2) Purchase your Claim Pack for £99, (3) Fill in your details, (4) Download your personalised HMRC claim letters, (5) Sign and post to HMRC. You enclose your pension statements and P60s (HMRC requires evidence with every claim) and post it, or use HMRC's online service with the figures from your pack.

HMRC aims to respond to online claims within 28 working days. Postal claims typically take 8-16 weeks, and longer between January and April. HMRC then issues a tax calculation (P800) and you have the money paid to your bank account through the HMRC app or your personal tax account, or receive a cheque. Complex claims may take longer.

You can claim for the four most recent complete tax years - each one can be claimed until 5 April four years after it ends (so 2022/23 can be claimed until 5 April 2027, 2023/24 until 5 April 2028, and so on). The current tax year is handled separately through your tax code or Self Assessment return. Our claim form only ever includes years that are still open.

No. PensionReclaim is a document preparation service. We generate personalised claim letters and calculations, but you review, sign, and submit them yourself. This keeps you in control of your claim.

The amount depends on your salary, pension contribution rate, and how many years you're claiming for. Typical claims range from £500 to £6,000+. For example, someone earning £80,000 contributing 5% to their pension could claim around £800 per year.

Our £99 fee covers the eligibility verification, personalised document generation, year-by-year calculations, and step-by-step guidance. Given the average claim is £2,500+, the service pays for itself many times over.

If HMRC rejects your claim for eligibility reasons, we'll refund your £99 in full. This applies when you've submitted unmodified documents and provided accurate information. See our full guarantee terms for details.

HMRC does not pay to bank details written in a letter. For PAYE years it issues a P800 tax calculation; you then have it paid to your bank account through the HMRC app or your personal tax account (about 5 working days) or wait for a cheque. Self Assessment years are credited to your Self Assessment account.

This is 100% legitimate. The right to claim additional pension tax relief is established under Section 192 of the Finance Act 2004. It's documented in HMRC's own guidance. The only reason this money goes unclaimed is that most people don't know about it.

Yes. We use industry-standard encryption, secure payment processing through Stripe, and never store your card details. Your personal information is used only to generate your claim documents. See our Privacy Policy for full details.

PensionReclaim is a document preparation service, not a financial advisor or tax agent. We don't require FCA authorisation as we don't provide financial advice. We simply help you prepare documents to claim relief you're legally entitled to.

Our support team is available at support@pensionreclaim.com. We typically respond within 24 hours on business days.