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UK state pension

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Comments

  • Registered Users, Registered Users 2 Posts: 7,854 ✭✭✭54and56




  • Registered Users, Registered Users 2 Posts: 689 ✭✭✭RCSATELLITES




  • Registered Users, Registered Users 2 Posts: 2,113 ✭✭✭bilbot79


    Does anyone know if seeing this means I'm eligible?



  • Registered Users, Registered Users 2 Posts: 689 ✭✭✭RCSATELLITES


    Pm'ed you now. As only seeing your message. 👍



  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    If your looking to pay class 3 payments maybe., did you apply for class 2 also?

    I got my confirmation that I can pay class 2 payments by letter last October yet if I sign in on line UK HMRC and check what payment I can make it is still listed as all my payments are class 3 , don't know if they are just slow to update details online.

    Post edited by SCOOP 64 on


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  • Registered Users, Registered Users 2 Posts: 8,280 ✭✭✭The Continental Op


    Ditto. I got conformation and payed for class 2 payments online it still shows me all class 3 payments and I still get a letter each year asking if I want to pay that years class 3 payment.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    Have you ever received a letter stating class 2 payments, I was told I would get a class 2 payment reminder every year, just received a letter in January but all class 3 payments,. which you can see in another post further back amount €0. Wonder if I'll get a class 2 reminder before April.



  • Registered Users, Registered Users 2 Posts: 8,280 ✭✭✭The Continental Op


    No letter other than the initial one that stated I could pay class 2 payments to buy back years. Since then I've had one letter looking for class 3 but as the class 2 payments haven't been allocated yet they won't know I'll have made up the max number of years. I can retire in a year so no requirement for me to pay anymore.

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    Yep , that's actual the same as me regarding letters.



  • Registered Users, Registered Users 2 Posts: 689 ✭✭✭RCSATELLITES


    I got the letter below. Last year in April. The tax year ends in April. So I should get one this year in April for 2024-2025.

    Screenshot_2025-02-01-18-38-07-866_com.android.chrome.jpg


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  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    What's the contact number everyone's using,

    I just made a payment but put wrong year payment is for ,I put 2006 to 2007 then realised my last payment I made was for 2006 to 2007, should have put 2007 to 2008, don't know if it makes a difference.



  • Registered Users, Registered Users 2 Posts: 8,280 ✭✭✭The Continental Op


    I've a spreadsheet where I save info from calls and the number I called last time for HMRC was 0044 3002003500 as I can remember updating it and just checked the phone and I called that number recently. That took an hour to get through :-(

    Edit> Link https://www.gov.uk/government/organisations/hm-revenue-customs/contact/national-insurance-enquiries-for-employees-and-individuals if I'm wrong can someone please post the right number as I won't be using it for another 6 months and hopefully never again :-)

    Post edited by The Continental Op on

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    I phoned them 3or4 times last year, couldn't remember what number I used, same between 40 minutes and hour on hold,but one time I was answered in 10 minutes, wasn't ready for them I was eating a sandwich at time😁, will try them tomorrow as it's not a bank holiday in UK.



  • Registered Users, Registered Users 2 Posts: 8,280 ✭✭✭The Continental Op


    Worse still last time I called the National Insurance side by mistake. Got cut off three times them then another ten minutes on to them before I found out I'd called the wrong department :-(

    Wake me up when it's all over.



  • Registered Users, Registered Users 2 Posts: 242 ✭✭olearydc


    Hi all. Stupid question but how did people transfer money over to the.m

    My bank said just send them equivalent euro should be fine... Does not seem right

    On here, I see that people used revolut... Would that be the besr

    Thks



  • Registered Users, Registered Users 2 Posts: 689 ✭✭✭RCSATELLITES


    You can use Wise to convert your euro to pound then send it. Or like people have used a Revolut account, were they convert euro to sterling. But I would be sending sterling not euro. As with fluctuations in currency it might mess up something.



  • Registered Users, Registered Users 2 Posts: 3,591 ✭✭✭Peckham


    I did my first transfer with Bank of Ireland. Did it in branch and was able to specify the sterling amount that I wanted HMRC to receive.

    Will do my next transfer with Revolut as it's easier and cheaper



  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    I done my transfer on line with Bank of Ireland you just put in currency you want the transfer in , in this case £, then it's deducted from your account in Euro.



  • Registered Users, Registered Users 2 Posts: 2,113 ✭✭✭bilbot79


    I did an online application on Friday just gone to pay voluntary contributions. I also followed up today by registered post with some documents to prove I've been working in Ireland since leaving the UK and to request consideration for Class 2.

    However when I went through the 'Check when to expect a reply from Hmrc service' it's saying to expect a reply in June, way after the 05th April deadline. Is this juts a generic indication that cna be ignored do you think?



  • Registered Users, Registered Users 2 Posts: 798 ✭✭✭Exiled Rebel


    Can I just say a huge thank you to everyone on here for the advice and support shown.

    I worked continuously in the UK from 2006 until April 2024. I was a PAYE employee during that time but was completely unaware that you could make additional contributions going forward.

    I started another PAYE job back here on 22nd April last year having ceased employment in the UK the previous week.

    I'm not sure if I have to pay for FY 24/25 or which class it would be... nevertheless I filled in the online form and submitted it to HMRC this afternoon.

    I'm 42 so a way to go yet (touch wood).



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  • Registered Users, Registered Users 2 Posts: 1,014 ✭✭✭Jakey Rolling


    I made my payment for historical Class 2 contributions in mid December from my Revolut GBP account to HMRC NIC Receipts, sort code 08-32-20 acct 12001004.

    I called them on +44 191 203 7010 today to check - 20 mins on hold then sorted in 2 mins. Agent told me the money was received to their account same day, and she noted which years I wanted the payment applied to. Very friendly - I love the Geordie accent and could have chatted to her all day! That's me with 30 years contributions now, just have to pay the £180 or so each April until I get to the full 35 years.

    I'd suggests anybody needs to phone and chase them up to make sure contributions have been applied correctly. Only annoyance was their automated system asking for a UK postcode (wouldn't accept Eircode) , even though I had selected overseas. I ended up giving my last UK postcode just to progress the call.

    As others have said, the contribution record on the app/website doesn't accurately reflect the letter I got - website shows all Class 3 but letter correctly had a lot of these as Class 2

    100412.2526@compuserve.com



  • Registered Users, Registered Users 2 Posts: 5,567 ✭✭✭SCOOP 64


    Same here website all class 3, letter class 2.



  • Registered Users, Registered Users 2 Posts: 415 ✭✭pjordan


    From your description it would seem that you should have 18 + 3 = 21 years of UK NI credits so another 14 years of contributions going forward should entitle you to a full UK OA contributary pension at 67. Since you worked in the UK for 18 years up to last year you don't need to buy back any years, but you have another 25 years to make the remaining 14 years of contributions required. Since you have sent of the documentation to HMRC the easiest way should be to pay each years contribution (should be class 2 since you worked up to your time of leaving UK and started work in Ireland the following week) going forward after you get the notification in April/May each year. Best of luck. It's a good feeling having such a nice safety net. I was thinking, depending on your plans for residing in Ireland into the future you might want to investigate how many contributions you currently have and how many you need to qualify for an Irish contribution pension also, but with a potential 24 years of working life to go before Irish pension age you still have plenty of scope



  • Registered Users, Registered Users 2 Posts: 798 ✭✭✭Exiled Rebel


    Thanks very much for the feedback.

    FYI I have 267 combined reckonable contributions and credited contributions for pension. By my reckoning I'm about halfway to qualifying for the minimum number of contributions required to receive the basic state pension in Ireland or roughly 5 more years of continuous monthly contributions.



  • Registered Users, Registered Users 2 Posts: 10,486 ✭✭✭✭Dodge


    just note that while 10 years (520 paid contributions) is needed to qualify for the pension, if that is all you have you’ll only receive 25% of the maximum rate. I’m sure you’ll have more by the time you reach 66. I’m just pointing out that in 9 years time, the pension will be on strictly pro-rata basis with 2080 (40 years) needed for the full rate



  • Registered Users, Registered Users 2 Posts: 689 ✭✭✭RCSATELLITES


    Was just about to write that. Now what would be good to know is, can the op use her 21 years of UK contributions (not voluntarily ones) to qualify for the Irish pension.

    Is it possible to get the full UK, then use UK contributions to get the full Irish?

    If you have worked or lived in other countries, such as the UK, you might still qualify for State Pension (Contributory), even if you do not qualify based on contributions paid in Ireland.

    If you have worked in Ireland and in one or more EU states, your social insurance contributions from each EU state may be added to your Irish social insurance contributions to help you qualify for one of the social welfare payments listed below. State pension.



  • Registered Users, Registered Users 2 Posts: 35,697 ✭✭✭✭NIMAN


    Can anyone tell me how a ROI resident, who worked in the North a long time ago, find out exactly how much NI contributions they made?

    Tried the HMRC website but those bots are terrible to try to get info out of.



  • Registered Users, Registered Users 2 Posts: 1,416 ✭✭✭Technique


    Sign up for a Government Gateway account on the HMRC website.



  • Registered Users, Registered Users 2 Posts: 3,591 ✭✭✭Peckham


    My understanding is that you can transfer all of your contributions between countries.

    You can't, for example, take 5 "surplus" years from Country A and move them to Country B while maintaining your benefits in Country A.

    Am open to correction.



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  • Registered Users, Registered Users 2 Posts: 3,492 ✭✭✭beachhead


    That would sound right.



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