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Can Nasa pay into my spouse’s/partner's pension account?

We can only make salary sacrifice payments into pension accounts in your own name - not your spouse's, partner's, or family members' accounts.

Why this rule exists?

It's all about how salary sacrifice works legally:

Tax Relief Rules 🏛️

  • Salary sacrifice gives you immediate tax and National Insurance relief.
  • HMRC rules state this relief can only apply to your own pension contributions.
  • Someone else's pension = no tax relief for you = not salary sacrifice.

Employment Law 💼

  • You're our employee, meaning that we can only sacrifice your salary for your benefits.
  • Your spouse isn't our employee, so we can't make employment-related contributions to their pension.

Pension Regulations 📜

  • Pension providers can only accept employer contributions for their own account holders.
  • Your spouse's provider would reject payments from your employer anyway.
  • Anti-fraud measures prevent payments into accounts you don't own.

While we can't pay into your spouse's pension, maximising your own salary sacrifice creates more household income for joint financial goals!