While both methods would put £6 into your pension, with net pay, the full £6 is taken from your pay.
You can’t claim any money back from HMRC. And you’ll have slightly less take-home pay compared with if your pension scheme used the relief at source method.
If you have no relevant UK earnings or earn less than £3,600 a year, you can still contribute to a personal pension which uses the relief at source method. And you’ll qualify to have tax relief added to your contributions up to a certain amount.
If you’re in a workplace pension, you’ll need to check the type of pension you have with your employer or pension provider.
The maximum you can contribute is £2,880 a year.
Tax relief is added to your contribution so if you contribute £2,880, £720 is claimed from the government and added to your pension. This means a total of £3,600 will be contributed into your pension scheme.