How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask bigduckontax Your Own Question
bigduckontax, Accountant
Category: Tax
Satisfied Customers: 4766
Type Your Tax Question Here...
bigduckontax is online now

I have a £50,000 Company Pension plus about £9000 of a State

This answer was rated:

I have a £50,000 Company Pension plus about £9000 of a State pension. My wife has a £5000 State Pension. Can I claim any or all of her unused Personal Allowance to help reduce my Income tax Bill ?
Hello, I am Keith, one of the experts on Just Answer, and happy to help you with your question.
Please advise your age then I can help you further.
Customer: replied 2 years ago.

I am 84 and my wife is 78.

In theory you can use 1K of her personal allowance and have it transferred to you. Here is HMRC advice on this matter:
Be warned though, it may be a long process. My wife has applied to transfer and so far her application has been received a stony silence from HMRC, which reminds me I must chase it up!
I do hope I have assisted you with your question.
Customer: replied 2 years ago.


I thought this only applied only where the recipient, eg me, did not pay tax above the basic rate. You can see from my pension this would not be the case.

You are correct, I have mislead you. It only applies to those within the 20% tax bracket. Regrettably you will be at the 40% level unless you have some other way of reducing your taxable income.

By the by, to register for this use the following link:

Might be useful some day like when your pension provider goes broke [joke].

I hang my head in shame, so sorry to have to rain on your parade.

bigduckontax and 2 other Tax Specialists are ready to help you
you for your support and please accept my sincere apologies for initially getting your hopes up.