Does your pension provider leave higher rate tax relief unclaimed?
Whether you have money to claim from HMRC depends on how your scheme gives tax relief, not on who the provider is. Relief at Source schemes only reclaim 20% for you; Net Pay and salary sacrifice give the full amount automatically. Pick your provider to see which you have and what to do.
Workplace pensions using Relief at Source
Workplace pensions that can be either (check your payslip)
Legal & General
Depends on employer set-up - check payslipAviva (Workplace)
Depends on employer set-up - check payslipScottish Widows (Workplace)
Depends on employer set-up - check payslipStandard Life (Workplace)
Depends on employer set-up - check payslipAegon (Workplace)
Depends on employer set-up - check payslipFidelity (Workplace)
Depends on employer set-up - check payslipRoyal London
Depends on employer set-up - check payslipMercer
Depends on employer set-up - check payslip
Personal pensions and SIPPs (always Relief at Source)
Aviva (Personal/SIPP)
Relief at Source - claim availableScottish Widows (Personal)
Relief at Source - claim availableStandard Life (Personal)
Relief at Source - claim availableHargreaves Lansdown SIPP
Relief at Source - claim availableVanguard SIPP
Relief at Source - claim availableAJ Bell SIPP
Relief at Source - claim availableInteractive Investor SIPP
Relief at Source - claim availableFidelity SIPP
Relief at Source - claim availablePensionBee
Relief at Source - claim availablePenfold
Relief at Source - claim availableNutmeg SIPP
Relief at Source - claim available
Net Pay schemes (full relief already given - nothing to claim)
Smart Pension
Net Pay - no claim neededNOW: Pensions
Net Pay - no claim neededCushon
Net Pay - no claim neededNHS Pension
Net Pay - no claim neededTeachers' Pension
Net Pay - no claim neededCivil Service Pension
Net Pay - no claim neededLGPS
Net Pay - no claim neededPolice Pension
Net Pay - no claim neededFirefighters Pension
Net Pay - no claim neededArmed Forces Pension
Net Pay - no claim neededUSS (Universities)
Net Pay - no claim needed
Provider not listed? Use the payslip checker - it reads the deduction method straight from your payslip.