The best way to pay voluntary National Insurance contributions to enhance your public pension

You have until 5 April 2025 to fill gaps in their National Insurance records dating back to 6 April 2006. After this deadline, they’ll only be able to make payments for the previous 6 tax years.

We recommend using the ‘pay by bank account’ option online. This method is fast, secure, and helps prevent errors that could lead to delays. Payments made this way will typically be reflected in your clients National Insurance record within 5 working days.

Your clients should be encouraged to:

• check their National Insurance record using the HMRC app or online service
• calculate whether making a payment could increase their State Pension
• use the ‘pay by bank account’ option for quick and reliable payment processing

Share this information with your clients and remind them of the 5 April 2025 deadline. Acting now will help your clients get what they’re entitled to.

More information on voluntary National Insurance contributions is available on GOV.UK.