Clients in 54 Countries  | No Win, No Fee  | 💬 Message Us on WhatsApp: +353 (0)83 123 4000

Our Fees by Country

Fees
Amount
Payable When?
A Initial deposit
€100
To start
B Application fee
€500
When HMRC gets your application from us
Cost to apply Including EU VAT where applicable
€600
100% refunded if HMRC rejects your application
C Success fee
€400
When HMRC approves your application
Total cost if successful Including EU VAT where applicable
€1,000
Your total cost if HMRC approves your application to buy National Insurance years
Why It Matters

Unique 100%
Money-Back Guarantee

Our service is 100% FREE if you get a ‘rejection’ letter from HMRC within 2 years of buying our service. A ‘rejection’ means you are not eligible to pay HMRC for missing  National Insurance years to meet their 10 year minimum - required to get any UK state pension.

Sample POSITIVE Letter of Approval / Assessment

‍Obviously... This guarantee does not apply if:
-
You choose NOT to pay HMRC for whatever reason - even though you got a ‘positive’ letter.
- You were declined on our “Am I Eligible?” tool but used our service anyway.

What’s Included

What's Included in Our Service?

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Your €100 initial deposit is refundable within 30 days if you change your mind, provided that you have not yet approved the application documents we compile for you.

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If you approve these documents in order for us to submit them to HMRC, you’re committing to our full service and we then submit your application to HMRC and send you proof via Royal Mail.

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We also chase HMRC if there are any non-standard delays or issues with your application.

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We offer an easy application process with phone & email support.

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We provide progress updates on where your application is in the very long HMRC queue along with ongoing support if you have questions at any time.

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We offer help and guidance when HMRC query your application because your submitted information differs from their records.

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Fast Reply from HMRC: You’ll get your HMRC letter of approval/assessment from us within 1 week at the latest. If you use other agents outside the UK or do this process yourself, you will likely need to wait 6+ weeks (within EU) to receive your HMRC assessment as they are posted 2nd class via Rotterdam. Timelines for payment to HMRC when a response comes are extremely tight so we automatically request a payment extension for you in every case.

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Guidance on HMRC Reply: 34% of British residents entitled to increase their UK pension very cheaply via this process choose not to because they’re unclear / unsure of the final very valuable steps. We explain and guide you clearly through this important process.

Did You Work for 1+ Years in the UK?

How can we help you?

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)

© 2026 XtraPension. All rights reserved.
Serving clients in 54 countries.