Help with higher rate tax relief on my workplace DC pension contributions.

Lmc74

"Intermediate rate (Scottish) or higher rate payers could be due a tax reduction when making relief at source contributions."

Do any intermediate rate scottish tax payers claim the 1% if relief at source is only giving 20%. If not doing a self assessment how is this done?

Dazed_and_C0nfused

Lmc74 said:

"Intermediate rate (Scottish) or higher rate payers could be due a tax reduction when making relief at source contributions."

Do any intermediate rate scottish tax payers claim the 1% if relief at source is only giving 20%. If not doing a self assessment how is this done?

I'm sure some must do.  It's covered on gov.uk.

https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief

Qyburn

Lmc74 said:

Do any intermediate rate scottish tax payers claim the 1% if relief at source is only giving 20%. If not doing a self assessment how is this done?

Yes. Although in my case I've always done SA returns. The calculation specifically says "Your pension payments of £xxxx.00 have increased your Scottish basic rate limit." Further confirmed for 22/23 where the calculation show nothing charged at 21%.  (Previous years my contributions kept me out of Higher Rate, but i was paying some Intermediate)

Lmc74

Interesting thank you. I knew higher rate tax could be reclaimed through self assessment but i hadn't realised the scottish intermediate 21% rate meant 1% was claimable.

lightbody

Hello.

I just wanted to come back to explain my confusion.  Confusion was caused by a lack of clear information at my workplace about how the pension scheme works.

I now realise that I am able to make AVCs through salary sacrifice - I can adjust this amount as required either as a fixed amount, or a percent of my monthly pay, and in my case I was wanting to increase it, to offset the hit from higher tax that we're paying in Scotland now.  I hadn't realised the AVCs went through before tax as Salary Sacrifice, but I understand now!  So I don't need to worry about doing anything else.

Thanks for everyone's help and comments.