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Thanks, think I've got it figured out.
My total contributions (personal contributions into workplace pension, plus private pension) are far less than the amount I'm paying 40% tax on. I'm pretty certain that means I should be getting the full extra 20% back.
Still feels like I'm gonna need professional help to confirm it and convince HMRC they've made a mistake tho', which is pretty annoying.
Brun-
This might be useful to work out the numbers - https://www.pensionbee.com/uk/pension-tax-relief-calculator
Are you calculating what you think you are owed on both workplace and personal contributions?
Workplace contributions could be 'salary sacrifice' or 'net pay' so would not get any relief (but you wouldn't have paid tax on them). So you might only be due the 'extra' 20% back on your personal contributions.Salary Sacrifice; money removed from your wage before the income tax and national insurance calculations (you keep the NI.)
Net-Pay; money removed from your wage before the income tax, but after the national insurance calculations (you lose the NI.)
Relief-at-source; money removed from your wage after both income tax and national insurance calculations. You get/claim the income tax back afterwards (you lose the NI.)
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You might need some help in calculating your submission, but the best way to do this should via any tax return. I assume you submit one each year?
cjr
Arvy.
If you put it in a SIPP or similar, the SIPP provider will have claimed 20% back for you and added it to your total. HMRC will then give you the other 20% back as rebate or offset it against other tax you have to pay.
But if you earn 60k for example and put 20k in a pension, you will get 20% of it added to your SIPP, but only get the extra 20% rebate on the amount over £50,200 that you paid 40% tax on.