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How can I make additional contributions?

You can use your online account to make additional contributions apart from the regular contributions taken from your wages.

You can choose to set up regular Direct Debit payments or make a single one off payment. You’d need to have a UK registered bank account with a Direct Debit facility to make regular payments. For more information on bank accounts that can be used to set up regular Direct Debit payments please see citizens advice. The minimum contribution amount for any additional payments is £10. There’ll be a contribution charge of 1.8 per cent on each new contribution into your retirement pot.

The additional contributions made by you will be included in the annual allowance limit and money purchase annual allowance limit. For more information please see What is annual allowance? and What is the money purchase annual allowance?

To make an additional contribution to your retirement pot, click ‘Contributions’ on your NEST home page.

You’ll be able to see the options to make regular additional contributions or a single additional contribution.

Making regular additional contributions means you’ll be agreeing to set up a monthly Direct Debit. You’ll be asked to enter how much you’d like to contribute each month. Once you’ve entered the amount, click ‘Next’.

You’ll then need to provide your bank details and tell us when you’d like the money to come out of your bank account. Once you’ve added this information a message will appear at the bottom of the screen to let you know when the first collection of payment is due. If you’re happy with the date shown, click ‘Next’.

You’ll be able to see the Direct Debit mandate on the next page. If you’re sure you’d like to set this up, click ‘Next’.

On the next page you’ll be able to see a confirmation of the mandate. We’ll also send a copy of the Direct Debit mandate to your secure mailbox.

To set up a single additional contribution, click ‘Contributions’ and then click ‘Single additional contributions’.

You’ll be able to enter how much you’d like to contribute and the payment method you’d like to use. Once you’ve done this click ‘Next’.

You’ll need to provide your bank details. If you’re happy with the details that you’ve entered, click ‘Next’. Follow the on-screen instructions to make a payment by debit card or by Direct Debit. It can take up to five working days for the payment to show in your online account.

You can also ask your employer to deduct additional contributions from your wages though they don’t have to match this.

If you’re eligible for tax relief, we’ll collect tax relief on any additional contributions you make. You’ll be able to see all of your contributions in the Contributions area of your account.

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