I just opened a , which required an initial investment of £500. I was surprised when tax relief was added by the pension provider, as I’m a non-taxpayer. Will I have to pay this back to HMRC?Kevin from Liverpool
source https://www.which.co.uk/news/article/can-i-get-pension-tax-relief-without-paying-tax-a6JQf0I8VC9o
'Even non-taxpayers get rewarded for saving for retirement'
Joanne Padilla, Which? money expert, says…Non-taxpayers can also benefit from tax relief at the basic rate (20%) on pension contributions, although the limits are lower: either 80% of your earnings in a year or £2,880 if you have no earnings.
This means you don’t have to pay back the tax relief you’ve already received.
In fact, you were able to benefit from tax relief on further contributions of up to £2,380 before the end of the tax year on 5 April 2026.
Find out more:Which? Money 1-to-1 guidance
Our team of money experts can answer your questions big and small, on topics from pensions to tax and savings to scams.
Which? Money members and their immediate family get unlimited access to 1-to-1 guidance sessions.
source https://www.which.co.uk/news/article/can-i-get-pension-tax-relief-without-paying-tax-a6JQf0I8VC9o