Pay more, get more

Feed your pension


1. Don't lose out on extra payments

Your company pension gives you access to extra money from BT - on top of your salary. Getting this money from BT is a hugely valuable benefit - and if you're not in your company pension, you won't get it.

On top of money from BT, you also get tax benefits from the Government.

If you’re a former member of the BT Retirement Plan (BTRP) or Syntegra Limited Flexible Pension Plan (SLFPP) you may be paying 4%. If you increase your payment, even just to 5%, you’ll get a higher contribution from BT.

See the table below for a reminder of BT’s payment levels. 

You payBT paysTotal
5% or more 10% At least 15%

If you pay at least 5% of your pensionable salary into the BTRSS, BT guarantees a minimum employer payment of £2,000 each year. This will be applied pro rata for part time employees or people who are only in the BTRSS for part of a year. (Different payment options apply if you transferred to BT from EE or joined from the BTPS - you'll find the detail on Your Rewards.)

2. Increase your payments regularly

Another simple way of boosting your pension is to increase the amount you pay in each year. So why not set an annual reminder in your diary to increase your payments? There may be restrictions on when and how you can increase your payments, so check with BT for more details.



3. Put in a one-off payment

There are advantages to putting a one-off payment into your pension. For example, if you receive a bonus and pay it into your pension, you'll get tax benefits from HMRC.

4. Remember, pensions are flexible


 Important information and assumptions


Change payments


Keep up to date with your payments and find out how you can change the amount that you're paying on BT's Your Rewards site.