When someone else pays into your pension, you automatically get tax relief at 20% from HMRC.<\/p>\n
So if the full amount is paid in, that gets topped up to \u00a33,600.<\/p>\n
Third-party contributions can be made in a lump sum, for example, or by setting up a regular monthly payment.<\/p>\n
![\"Pic:](\"https:\/\/www.newsbeep.com\/uk\/wp-content\/uploads\/2026\/02\/skynews-money-uk_7174496.jpg\")
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Image:
\n Pic: iStock<\/p>\n
What if you’re working?<\/p>\n
If you are working, your partner can still make contributions to your pension.<\/p>\n
The rule here is that they cannot breach the limit for tax relief, which is the higher of \u00a33,600 gross or 100% of your relevant UK earnings, or your annual pension allowance.<\/p>\n
Read more Money tips: This is \u00a360,000 for the current tax year – unless you earn more than \u00a3260,000 – then it gets gradually reduced based on your adjusted income (known as the tapered annual allowance).<\/p>\n Other things to know<\/p>\n Making contributions can also be helpful to the person making them.<\/p>\n If they have already maximised their own pension contributions, this allows them to keep saving in a tax-efficient way, although the money will belong to the pension holder and count towards their annual allowance.<\/p>\n All of this also applies to contributing to a child’s pension (subject to the same \u00a33,600 gross annual limit for those without earnings).<\/p>\n You should seek advice if you want to pay into someone else’s pension, so you’re aware of any small print and any implications for inheritance tax.<\/p>\n","protected":false},"excerpt":{"rendered":"Whether it’s taking a career break, staying home to look after children or simply not earning, this little-known…\n","protected":false},"author":2,"featured_media":446721,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,4174,4175,56,54,55],"class_list":["post-446720","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-personal-finance","tag-personalfinance","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/446720","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=446720"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/446720\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/446721"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=446720"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=446720"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=446720"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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