Question on claiming higher rate tax relief

nick1234

Hi

I am a higher rate tax payer and started a new job in 2022 where my employer makes pension contributions into a pot with HL and HL automatically claims back the 25% tax relief.  Non-contributory so i dont pay in.  

I found out today i need to claim the additional 20% and i dont compete a self assessment as i only earn via PAYE.  Reading online it mentions applying via hmrc gateway or writing to them.  What is the most efficient way?  And do i need fo provide any documents as proof or just my pension account transaction list since 2022?  How about salary slips or p60 etc?  

Thanks

Dazed_and_C0nfused

nick1234 said:

Hi

I am a higher rate tax payer and started a new job in 2022 where my employer makes pension contributions into a pot with HL and HL automatically claims back the 25% tax relief.  Non-contributory so i dont pay in.  

I found out today i need to claim the additional 20% and i dont compete a self assessment as i only earn via PAYE.  Reading online it mentions applying via hmrc gateway or writing to them.  What is the most efficient way?  And do i need fo provide any documents as proof or just my pension account transaction list since 2022?  How about salary slips or p60 etc?  

Thanks

You seem very confused and definitely need to get your story straight before proceeding any further.

The basic rate relief is 20%, not 25%.  But confusingly it is 25% of the net contribution, which equates to 20% of the gross contribution.

However that is only relevant to employee contributions, not employer contributions.  There is no tax relief available to you on employer contributions.

So you have either misunderstood what is happening or something has gone terribly wrong.

Just to be clear you can never claim any tax relief on employer contributions.