Top up your pension

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About topping up

This form enables you to top up pensions in the following way:

Select Pension Plans can be topped up with a single payment.

Stakeholder Pension Plans and Personal Pension Accounts can be topped up with:

A single payment only
A single payment and the set up of monthly or yearly regular payments
The set up of monthly or yearly regular payments only

You can also increase monthly regular payments into Stakeholder Pension Plans and Personal Pension Accounts.

If you would like to make a payment into another of the investment products we offer, please visit ‘ how to top-up your plan’

About this service

When you make a payment into your pension via this form you should be aware that you will be transacting with us through our direct service.

Our direct service is brought to you by NFU Mutual and NFU Mutual Select Investments Limited.

When you transact through our direct service we are not in a position to assess what is right for you when it comes to topping up your pension. You therefore are responsible for ensuring that any investment you make directly with us is suitable for you.

If at any stage you would like to contact us, you can call us on 0800 622 323 or email customermail@nfumutual.co.uk.

Further information about our direct service and how we operate can be found in Our Terms of Business [PDF: 2.7MB], please familiarise yourself with this document.

Before proceeding we ask that you read and confirm the following:

When topping up an existing pension you are aware that you will be transacting through NFU Mutual's direct service, have read and understood our terms of business and are happy to proceed on this basis:

Yes

Before proceeding we require that you confirm that you are happy to transact through our direct service.

If you would like more information about our direct service or would like to speak to someone about your investment options please call us 0800 622 323.

Account details

Need help with your plan number?

You will find the plan number on documentation related to the plan, such as a plan summary.

The plan number differs depending on your pension:

Personal Pension Account: 801 or 802 + five numbers, e.g. 80234567

Select Pension Plan: S + eight numbers, e.g. S12345678

Stakeholder Pension Plan: 8 + seven numbers, e.g. 80012345

It is not possible to make this combination of top ups through this service

It is not possible to set up new regular payments and increase regular payments at the same time online.

Please either select to make a single payment and set up new regular payments or a single payment and increase current regular payments.

If you need help with making your top up please call us 0800 622 323 (9am-5pm Mon to Fri).

Make a single payment

The minimum single payment you can pay into your pension using this service is £800. The maximum is £100,000. If you would like to pay in less than £800 or more than £100,000 please call us on: 0800 622 323.

Set up regular payments

Increase your current regular payments

In order to increase your current regular payment we ask you to let us know by how much you would like to increase your current regular payment amount.

The additional payment amount will be added to your current regular payment amount.

Because either the account you would like to set up a direct debit for is not in your name or more than one signatory is required to authorise a direct debit you will need to complete a paper Direct Debit instruction (DDI).

Please download the DDI, and once you have submitted this online form, print, complete and return to the following with the necessary signatories:

Operations (Financial Services),
Avon House,
Ryon Hill Park,
Warwick Road,
Stratford-upon-Avon,
CV37 0UY.

In order to proceed we need you to confirm that you have read and familiarised yourself with the required documentation.

Declaration for a Select Pension Plan that you own for yourself

We ask all plan holders to make the following declarations when making a single payment into a Select Pension Plan they own for themself:

I agree to be bound by the NFU Mutual Select Personal Pension Scheme rules as amended from time to time.

I agree to NFU Mutual Select Investments Limited’s terms and conditions, and to pay its fees and charges as set out in ‘My Investments Guide to Charges’.

I have read the latest Key Investor Information Document and/or With-Profits Investor Information Document for the fund(s) I am investing in.

I agree to the contributions specified in the application.

I confirm that I have been provided with the opportunity to obtain further details and that, if I have requested such information, it has been provided to me before I completed my application.

I declare that I have taken reasonable care that all statements made by me are true and complete.

I accept that NFU Mutual Select Investments Limited reserves the right to make electronic or other checks about the source of the money being paid into this plan and may refuse to accept the contributions being proposed, or request documentation to confirm the identity of any individuals, beneficial owners, businesses, or entities associated with the transaction.

I authorise NFU Mutual to make an electronic record of my application.

As part of this application, I accept NFU Mutual's Privacy Policy.

I confirm that I will provide any information I am required by HMRC to provide to NFU Mutual Select Investments Limited in respect of the annual allowance.

I understand that unless the member is in poor health, the benefits from this plan cannot be accessed until age 55 (57 from 2028).

I confirm that I am eligible to apply for this plan based on the information provided as to relevant UK earnings (normally total taxable earnings), UK residency or other qualifying criteria.

I understand that this application will also be used as an application for tax relief at source, and that if I give false information to HM Revenue & Customs I may be prosecuted. And, to the best of my knowledge and belief, the total payments to any registered pension scheme, in respect of which I am entitled to tax relief under Section 188 of the Finance Act 2004, will not exceed the higher of:

The basic amount (currently £3,600) for that tax year; or
My relevant UK earnings, within the meaning of Section 189 of the Finance Act 2004 for that tax year.

I understand it is my responsibility to declare, on my self-assessment tax return, any contributions to registered pension schemes and I will be liable to a tax charge on any contribution more than the annual allowance or money purchase annual allowance.

I will inform NFU Mutual Select Investments Limited if any event occurs because of which I will no longer be entitled to tax relief on my contributions under Section 188 of the Finance Act 2004, by the later of:

The following 5 April, and
30 days after the event occurs.

I confirm any contributions paid before age 75 which are classed by HMRC as significant, will not be funded from any pension commencement lump sum paid from a registered pension scheme which would be regarded as recycling by HMRC.

I confirm that I will provide any information I am required by HMRC to provide to NFU Mutual Select Investments Limited in respect of my money purchase annual allowance.

Declaration for a Select Pension Plan that you own on behalf of a minor

We ask all plan holders to make the following declarations when making a single payment into a Select Pension Plan they own on behalf of a minor:

I agree to be bound by the NFU Mutual Select Personal Pension Scheme rules as amended from time to time.

I agree to NFU Mutual Select Investments Limited’s terms and conditions, and to pay its fees and charges as set out in ‘My Investments Guide to Charges’.

I have read the latest Key Investor Information Document and/or With-Profits Investor Information Document for the fund(s) I am investing in.

I agree to the contributions specified in the application.

I confirm that I have been provided with the opportunity to obtain further details and that, if I have requested such information, it has been provided to me before I completed my application.

I declare that I have taken reasonable care that all statements made by me are true and complete.

I authorise NFU Mutual to make an electronic record of my application.

As part of this application, I accept NFU Mutual's Privacy Policy.

I confirm that I will provide any information I am required by HMRC to provide to NFU Mutual Select Investments Limited in respect of the annual allowance.

I understand that unless the member is in poor health, the benefits from this plan cannot be accessed until age 55 (57 from 2028).

I declare that I am 18 years of age or over, and that:

I have parental responsibility for the child, or I am a legal guardian for the child.
The child is resident in the UK for tax purpose.

I authorise NFU Mutual Select Investments Limited (MSIL):

To hold the child’s subscriptions and any other rights or proceeds in respect of those investments and cash; and
To make on the child’s behalf any claims to relief from tax in respect of Pension contributions; and

I have completed the application on behalf of the minor and I will be responsible for ensuring that for as long as the child is a minor, the obligations under the plan are met. During this time the minor will remain the beneficial owner of the plan.

I declare that the total contributions to this plan and any other registered pension scheme for the child will not exceed the higher of the basic amount (currently £3,600), or 100% of the child's relevant UK earnings for the tax year.

I agree to inform NFU Mutual Select Investments Limited (MSIL) immediately if any event occurs meaning the child will no longer be entitled to tax relief for payments to this plan - for example if the child stops being a relevant UK individual - by the later of:

The following 5 April, and
30 days after the event occurs.

Declaration

We ask all account holders to make the following declarations when making a payment:

I confirm that I am eligible to make this application based on the information provided earlier as to UK residency or other qualifying criteria.
I declare that my total payments payable to any registered pension scheme in respect of which I am entitled to relief under section 188 of the Finance Act 2004 (the Act) will not be more than the higher of: a) the basic amount, currently £3,600, (under section 190(4) of the Act) or b) my relevant UK earnings (under section 189 of the Act) for that tax year.
I agree to inform NFU Mutual in writing if any event occurs as a result of which I will no longer be entitled to tax relief for my payments to the Plan under Chapter 4 of the Act, for example, if I cease to be a relevant UK individual. I will do so by the 5 April of the tax year in which the event occurs or within 30 days of that event, whichever is the later.
I declare that I have taken reasonable care that the information I have given NFU Mutual in my application is, to the best of my knowledge and belief, correct and complete. I understand that it is a serious offence to make false statements and that to do so could lead to prosecution.
I accept that NFU Mutual reserves the right to make enquiries about the source of the funds being paid into this plan and may refuse to accept the payments being proposed, or request documentation to confirm the identity of any individuals, beneficial owners, businesses or legally established entities associated with the transaction.

If this application and declaration is being made on behalf of a person:

Who is incapable by reason of mental disorder of managing and administering his/her property or affairs; or suffering from a physical disability by reason of which he/she has difficulty executing documents in respect of the management and administration of his/her property and affairs the person making it declares that, to the best of his/her knowledge and belief, all of the information given and statements made in the application are correct and complete, and all of the declarations made in the application are correct, and undertakes the obligations falling to the applicant and they are authorised to provide the information in this form.
They understand that they may be required to provide further information relating to their status in completing this application. They further confirm they have read the NFU Mutual Privacy Policy which explains how personal data is processed. They confirm if they have provided personal data including sensitive personal data (such as health information) they are authorised to do so.

Please confirm that you have read and agree to the above declaration:

I confirm

By submitting this form you are happy for us to contact you regarding your enquiry.

To find out more about how we use your personal information, please read our Privacy Policy Information.

Top up your pension

About topping up

About this service

Account details

Your payment

You are paying into a Select Pension Plan that you own

You are paying into a Select Pension Plan owned on behalf of a minor

You are paying into a Personal Pension Account

You are paying into a Stakeholder Pension Plan

It is not possible to make this combination of top ups through this service

Make a single payment

Set up regular payments

Increase your current regular payments

Set up your direct debit

About you

Contact details

Where your single payment will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

Where your top up will be invested

Important documents

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Declaration for a Select Pension Plan that you own for yourself

Declaration for a Select Pension Plan that you own on behalf of a minor

Declaration

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