It's important to understand your pension is an investment so its value can go down as well as up and you may get back less than was paid in.

Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

Pay more, get more?

Normally for every £1 paid into your pension plan, at least 20p of it is made up of tax benefits. This happens automatically. Your employer may even pay in more too.

Increasing payments

If you want to, you can increase your payments - ask your employer about how and when you can do this.

It's a good idea to review your plan regularly, to make sure you're saving the right amount for you.

One-off top ups

As well as your monthly payments, you can top up your plan at any time. This is useful if you have a lump sum - like a bonus. You're entitled to the same tax benefits you get with regular payments, but if you pay more than basic rate tax you may need to claim back extra tax relief manually.

You can top up your pension plan by logging in to your online account or via our mobile app. It can be a great way to boost your pension plan.

Log in to top up your pension

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