Pay into your retirement account

You’re about to pay into your pension.

Complete five steps to pay into your pension.

Check you can make a payment

If you’re under 75, you can use this form to make a payment into your Retirement Account.

If you live in the UK

The most you can pay each tax year is the greater of these amounts:

  • 100% of your earnings for that tax year
  • £3,600.


  • You may still be able to make a payment if you are a "relevant UK individual" and you:

    • pay tax on your earnings in the UK
    • are a Crown employee, or their spouse or civil partner, and your earnings are from overseas Crown employment.

    The most you can pay each tax year will be 100% of your earnings for that tax year.

    If you left the UK within the last six tax years, the most you’ll be able to pay each tax year will be £3,600.

    If you think this doesn’t apply to you, get independent financial advice.

Get ready to fill in the form

When you fill in this form, you’ll need your:

  • contact details
  • policy number
  • payment details
  • National Insurance number
  • employment status
  • annual income amount.

If you’re not sure if paying into your pension is right for you, you can always get independent financial advice.

None of the information in this form counts as financial advice.

How we’ll invest this payment

We’ll invest this payment in the same way as your current Planning fund structure.

How much you can pay in

There are limits on how much you can pay into your pensions each tax year before you have to pay more tax.

There’s the annual allowance, which is normally £60,000 per tax year.

Your annual allowance can be:

  • higher, if you have unused allowance left over from previous years
  • lower, if you’re a high earner.

There’s also the Money Purchase Annual Allowance (MPAA). This applies if you access your pension benefits ‘flexibly'. For example, taking certain types of lump sum. At the moment, the MPAA is £10,000 per tax year.

Annual allowances can be complex. If you think these may affect you, we recommend you get independent financial advice.


Step 1 (of 5): Your details

We’ll use these details to confirm who you are.

Your address

Select your address








We’ll use this number to keep you updated
We'll email you if we need any more information and to get in touch with you about your payment

Your employment and earnings


Step 2 (of 5): About this payment

You can choose between a single payment, a regular payment, or a combination of both.

This is an 8-digit number starting with a 3 or a 4. You can find this on your annual benefit statement or policy schedule.

Make a single payment

This must be more than £1

Where to send the payment

We can’t collect single payments from your bank automatically. Please use the Scottish Widows bank details to send the payment.

Single payment reference

Use your policy number as the payment reference when setting up this payment with your bank.

Our account details

Sort Code: 30-18-05

Account No: 00014717


Set up a regular payment

If you’re already making a regular payment, this new payment will replace it.

Your regular payments must be between £50 and £3,330. We’ll add basic rate tax relief on to every payment.
Enter a date between the 1st and the 28th of the month. This has to be a date in the future.

If you are in the process of making other transactions (such as a transfer), we will postpone collection of the first payment until these actions have completed.

How we will collect the payment

We take regular payments automatically by Direct Debit.

Direct Debit logo
This is the account you’re named on

After we’ve set up your Direct Debit

We’ll send you a copy of your Direct Debit instruction. It will confirm your account details, the amount, and the date of the first payment.

We (Scottish Widows Limited) are the arranger of the pension and will collect the payments.

The Direct Debit will be set up on your account and show on your bank statement like this:

“Scottish Widows Limited”

Find out more about paying by Direct Debit

  • Please note that you DO NOT need to bank with us to pay by direct debit. We can accept direct debit details for any bank or building society, provided that the amount you specify is one that allows direct debits to be set up.

    All the normal Direct Debit safeguards and guarantees apply. No changes in the amount, date or frequency to be debited can be made without notifying you at least ten working days in advance of your account being debited. In the event of any error, you are entitled to an immediate refund from your bank or building society. You have the right to cancel a Direct Debit instruction at any time simply by writing to your bank or building society.

    In order to set up your Direct Debit instructions online you will need to provide the following information through the setting up procedure:

    • Bank or building society account name
    • Account number
    • Sort code

    Banks and Building Societies may not accept Direct Debit instructions for certain types of account.

    The details of your Direct Debit instruction will be sent to you confirming your banking details, the amounts to be debited and a summary of the details on which your payments are based. You will also receive confirmation of the first payment collection date no less than five working days in advance of your account being debited together with details of future collection dates and your policy documents.

  • This guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits.

    If there are any changes to the amount, date or frequency of your Direct Debit Scottish Widows Limited will notify you 10 working days in advance of your account being debited or as otherwise agreed. If you request Scottish Widows Limited to collect a payment, confirmation of the amount and date will be given to you the time of request.

    If an error is made in the payment of your Direct Debit, by Scottish Widows Limited or your bank or building society, you are entitled to a full and immediate refund of the amount paid from your bank or building society.

    If you receive a refund you are not entitled to, you must pay it back when Scottish Widows asks you to.

    You can cancel a Direct Debit at any time by simply contacting your bank or building society. Written confirmation may be required. Please also notify us.

  • Please pay Scottish Widows Limited Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Scottish Widows Limited and, if so, details will be passed electronically to my bank / building society.

How your payments will be invested

  • We’ll invest this payment in the same way as your existing Retirement Planning investments. 
  • If your plan only has funds in Retirement Income, we’ll invest the payment in the same way as those investments, but the payment will be applied to the Retirement Planning part of your plan.

If you want to have these payments invested differently, please contact us on:

Phone UK: 0345 716 6733*

International: +44 131 549 9778*

Monday to Friday 9am to 5pm


Are you sure?

Step 3 (of 5): Check your details

Please check your details are correct before you continue.

Your details:

First name:                              ##firstname##

Last name:                               ##lastname##

Date of birth:                           ##dateofbirth##

Address:                                   ##address1##

Mobile number:                       ##mobilephonenumber##

Email address:                          ##email##

National Insurance number:   ##nin##

Employment status:                 ##employmentstatus##

Annual income in £:                 ##annualincome##


Payment details:

Policy number:                            ##policynumber##

Single payment amount in £:    ##singlepayamount## 

Regular payment amount in £: ##regularpayamount##

Payment frequency:                  ##typeofpayment##

Regular payment date:             ##whenpay##

Direct Debit details:

Account name:                        ##accountholdername##

Account number:                    ##accountnumber##

Account sort code:                 ##sortcode##



Step 4 (of 5): Declaration

Next, we need your permission to go ahead with the application.

Read this declaration before you continue.

Scottish Widows’ appropriate personal pension scheme (the ‘Scheme’)

Declaration to Scottish Widows

I declare that:

  • I agree to make the payments detailed in this application. I understand and agree that the payments, which are paid net of basic rate tax, will change if the basic rate of tax changes, to maintain the then total payment to the Scheme.
  • to the best of my knowledge and belief, all the particulars, declarations and statements made in this application, whether in my own handwriting or not, are correct and complete. I have not kept back any material information.
  • I agree that a copy of this application can be treated as the original.
  • I authorise Scottish Widows to share any information concerning me or my policy with any agent of mine or other persons acting on my behalf, and with any governmental or regulatory body to whom Scottish Widows may be required to report.

If you’re setting up pension contributions now or in the future

I declare that:

  • for the purposes of obtaining tax relief to which I’m entitled to under section 188 of the Finance Act 2004, total contributions paid by me, or by another individual on my behalf, to the Scheme, and any other registered pension schemes of which I am a member, will not in any tax year, exceed the higher of the basic amount (currently £3,600 gross), and 100% of my relevant UK earnings.
  • contributions paid by me, or by another individual on my behalf, which are paid net of basic rate tax, will change if the basic rate of tax changes, to maintain the then total contribution to the Scheme.
  • I will inform Scottish Widows if I am no longer entitled to receive tax relief on my contributions to the Scheme. I will do so by the later of:

- 5th April in the tax year in which I ceased to be entitled to tax relief; and 

- 30 days after the date I ceased to be entitled to tax relief. 

  • I will inform Scottish Widows within 30 days if:

- my employment status should change from that indicated in this application, or

- I stop residing in the United Kingdom.


Step 5 (of 5): Submit your form

Marketing options

We want to make sure we keep you updated about the product you have with us. To allow us to do that, please let us know how you’d like to hear from us by completing this form: Keeping in touch

When you submit this form, you’re confirming you’ve been told the following:

  • Your payment will be invested based on how your existing Scottish Widows Pension is currently invested with us.
  • We’re not giving you financial advice during this process.
  • You have the right to change your mind, this means if you change your mind about making this payment, you’ll tell Scottish Widows within 30 days of receiving your confirmation documents in the post. 


It may take a couple of minutes to submit this form. Please only select Submit once.