You can add money to your pension at any time with a one-off contribution. Here's how it works.
How to make a contribution
Go to your Pension page
Tap Make Contribution
Enter the amount you want to contribute
Confirm the payment
The payment will be collected via Direct Debit from your connected bank account.
Contribution limits
Minimum contribution: £1
Maximum contribution: Up to your remaining annual allowance (£60,000 per year for most people, or 100% of your earnings if lower)
There's no limit on the number of contributions you can make.
When will my contribution be invested?
After you confirm your contribution:
Day 1: Payment is initiated via Direct Debit
Day 2-3: Funds clear from your bank and reach Chest
Day 3-5: Funds are invested in your chosen fund
The full process usually takes 2-5 business days. You can track the status of your contribution in your transaction history, where it will show as pending until fully invested.
Tax relief on your contribution
The government automatically adds 20% tax relief to your contributions. When you contribute £80, it becomes £100 in your pension.
If you're a higher rate (40%) or additional rate (45%) taxpayer, you can claim back the extra tax relief through your self-assessment tax return.
Still need help?
If you have questions about making contributions, contact us at hello@joinchest.com.