Multiple Contributions to Non-Earner Pension

HalfCenturian

I cannot find a definitive answer to this question. My wife and I are both retired and under 75. I have read that she can still make a contribution of £2,880 to her pension and get tax relief to bring it up to £3,600. I've also read that I can make exactly the same contribution to her pension. But what I cannot determine is whether we can BOTH make such a contribution in the same year. Is it her personal contribution that is limited to £2,880 per annum, or the total contributions to the pot?

molerat

Only £2880 per year allowed, who it comes from is irrelevant.

Albermarle

You can not make contributions to someone else's pension , not directly anyway.
Why not just open one your self ( takes a few minutes online ) . Then no problem for both of you to add £2880 each to your own pensions . I am assuming you are a non earner as well?

xylophone

You can not make contributions to someone else's pension ,

Not exactly  true-  see https://techzone.adviserzone.com/anon/public/pensions/3rd-party-pension-conts

It seems that neither the OP or his wife (both under age 75) have relevant earnings for the purpose of tax relief. But they would both like to take advantage of  a contribution of the "basic amount" - see 

https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm044100

 He has pension income or savings.

He can contribute £2880 to his wife's pension and the provider will claim and add tax relief of £720.

 Neither he nor she can then make another contribution in the same tax year to double up on the tax relief!

He can also contribute £2880 to his own pension and the provider will claim and add tax relief of £720.