FAQs

If the qualifying earnings basis is being used, the minimum contribution is 8% with at least 3% from the employer on qualifying earnings falling between upper and lower earnings limits of £6,240 and £50,270 a year.

The pay period (PRP) is the time between regular wages or salary. The earnings period is the time that salary is worked for.

This depends on the definition of pensionable salary you’re using to calculate the contributions, and whether this includes bonuses.

Contributing to your pension reduces your taxable income and can give you back some or all of your £12,570 personal allowance.

If your workplace pension is your only source of income when you retire, apart from your State Pension, it’s quite likely that the minimum amounts paid in by you and your employer won’t be enough for a comfortable retirement.

Yes, you can receive tax relief on contributions up to £3,600 a year for 5 tax years after moving abroad.

You can send your Direct Debit form along with proof of the bank account by email or post.

If your sick leave is insured and a policy is paying out, then this will be classed as earnings if payments are being made by your employer.

"How much do I need to pay into my employees’ pension?"

"Why does the pay reference period differ from the earnings period?"

"Would contributions be based on salary or bonus?"

"If I increase my contributions, can I get my personal allowance back?"

"I’ve been auto-enrolled since my employer’s staging date. Can I now take a contribution holiday?"

"Can I pay more than just the minimum into my pension?"

"If I leave the UK can I continue paying into my pension?"

"Where do I send my Direct Debit instruction and proof to?"

"If I’m on long-term sick leave, what will happen with my contributions?"