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How it Works

Note: The videos below remain accurate in 2026 except for:

1

The cheap €230-a-year Class 2 rate is no longer available for FUTURE years because of recent HMRC rule changes.

2

You can currently buy six past years, plus FUTURE years if you previously lived in the UK for at least 10 years.

How it Works

Your National Insurance Number

Statement Showing payments

Last UK Work

If You're in Australia

Time Worked in UK

100% Guarantee & Fees

Get Your Dates Right

Non-UK Work

Help with your Questions

How Long Does It Take?

Did You Work for 1+ Years in the UK?

XtraPension are UK State Pension Experts helping clients maximise their retirement income through Voluntary National Insurance, Unclaimed Pensions and Missing Pensioner Allowances.

This website uses rounded Euro approximations to explain the overall HMRC process, estimated costs and benefits in a simple jargon-free way.
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Where we say €230 for a cheap (Class 2) year or €1,150 for standard (Class 3) years, the actual figures are £189 and £956 per year respectively.

Where we say a full UK State Pension is €15,000, the actual figure is £12,548 (effective April 2026).

We do not offer pension or financial advice, nor do we handle client money intended for HMRC. If in doubt, please contact a financial advisor.
 
Quotes by journalists regarding the UK State Pension TopUp opportunity are not endorsements by them of XtraPension Ltd.
 
XtraPension Ltd is an Irish company (749802)

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