No statement doesn't mean no bill
When a pension scheme has to send a pension savings statement, why you can owe an annual allowance charge without one, and what to do if your figures haven't arrived.
51 s · Captions · Official sources checked 30 September 2026 · Published
Transcript
Your pension scheme only has to send you a pension savings statement automatically when your growth in that one scheme is over the standard annual allowance.
That test ignores your other pensions, and it ignores a tapered allowance. So if you have more than one pension, or a very high income, you could owe a charge without ever getting a statement.
Reporting any charge is your responsibility, not your scheme's. You can ask each scheme for your figures in writing, and if they haven't arrived, you may need to estimate.
Some statements are running late. NHS Pensions has told members who may be over the allowance to estimate and file.
Remedy's free check screens for the patterns that can hide a charge. Start at remedy.tax.