Around a million UK employees are missing out on pension tax relief they're legally owed. If you're a higher or additional rate taxpayer, there's a good chance you're one of them.
Find out moreMost workplace pensions use something called Relief at Source. Your pension provider automatically claims back basic rate tax relief (20%) on your contributions. Great.
But if you're a higher rate (40%) or additional rate (45%) taxpayer, you're entitled to more. The extra 20% or 25%? You have to claim that yourself. And most people don't.
Source: Steve Webb (former pensions minister, now LCP partner) analysis of HMRC data, reported by MoneyWeek, January 2026.
HMRC lets you claim pension tax relief for the 4 most recently completed tax years. That could add up to several thousand pounds.
Based on today's date, you can currently claim for:
The clock is ticking. Each April, the oldest year drops off and becomes unclaimable.
We handle the faff. You get the money.
We use it to check you're on a Relief at Source scheme and work out your likely claim.
We confirm you're a higher or additional rate taxpayer and haven't already claimed.
We get the contribution details needed for your claim. No legwork for you.
You get a clear spreadsheet showing exactly what you're owed. Share it with your accountant if you like.
We give you a letter to send — or if you prefer, we'll send it on your behalf.
Once HMRC pays out, we invoice you for 10% of what we recovered.
You only pay if we recover money for you.
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