SIPPs and Tax (not Tax Relief)

Malibusmash

When I pay into to my Workplace Pension, my contributions (Relief at Source) are not taxed on the way in (I understand it will be taxed in the future on the way out).
But to my understanding, if I pay into a SIPP, my contributions have in effect already been taxed, as they are not being taken directly from my pay (and then they will be taxed again in the future on the way out).
If this is the case then what would be the tax benefits of a SIPP over a WP pension?  Am I missing something?

cloud_dog

A SIPP is a relief at source scheme.  You gain your 'tax relief' by the provider claiming the 20% relief (25% uplift of the net figure) from the Government.

JoeCrystal

If you pay into a SIPP, you get a tax relief of 20% back on so £800 contribution would become £1000.

Sailtheworld

Malibusmash said:

When I pay into to my Workplace Pension, my contributions (Relief at Source) are not taxed on the way in (I understand it will be taxed in the future on the way out).
But to my understanding, if I pay into a SIPP, my contributions have in effect already been taxed, as they are not being taken directly from my pay (and then they will be taxed again in the future on the way out).
If this is the case then what would be the tax benefits of a SIPP over a WP pension?  Am I missing something?

The only difference is when the tax rebate is applied - in my workplace pension the payment to the provider already includes basic rate tax relief. When I make a payment to a SIPP the basic rate tax relief is credited later.

Dazed_and_C0nfused

I wonder if the op has got confused about contribution types and is actually contributing under a "net pay" scheme?