Manage your NHS AVC Pension Plan

Increase your Additional Voluntary Contributions (AVC) if you'd like the chance to retire early or retire with more money.

Are you a customer looking to change your existing AVC contributions?

Before you change your AVC contributions, please review all key information and important documents in the page below before making any decisions. To change your contributions, the Change your AVC contributions button can be found at the bottom of this page. 

New customer looking to apply?

Using your Online Service

There are other ways to get information about your policy. For most of our products, you can manage your policy online by logging in or registering for your Online Service. Registration is easy and only takes five minutes - all you need is your policy number. There are a small number of products not currently available online, and these are listed on the registration page.

How often do you check your AVC value?

Whatever you want to do when you stop working, make sure you’re on track to secure the kind of lifestyle you want in retirement.

Give yourself a reminder of how AVCs could help you. We cover the basics and all the important details too. Don't forget though, an AVC plan is separate to your pension plan. So before you change your AVC contributions, check your payslip to see if you have an AVC plan set up.

AVCs are investments and the value of your fund can go down as well as up, so you might get back less than you put in.


Your AVC pot could provide you with extra in retirement.

Tax savings

Adding to your AVC pot could be easier than you think.

Flexible contributions

Change your contributions to suit your needs and circumstances.

Changing your investment

Check your investment choice online and switch whenever you want to.

Flexible ways to take your money

You have a number of options for taking your money.

Trusted provider partnership

Prudential has been helping NHS members save for their retirement since 2001.

We have tools to help you estimate the tax you may pay based on your earnings and how much monthly pension contributions could add up to in retirement.

Income tax calculator

This calculator will provide an estimate of how much income tax and National Insurance you may pay, based on your earnings. You can also use it to find out how much tax relief you could get on your pension contributions.

Retirement contributions calculator

This calculator shows you how much your monthly pension contributions could add up to in retirement. The figures are only a guide based on the details you enter.

1. Understand the different investment options available to you


(if available)

If you’d rather not make your own investment choice this option could be for you. The default investment fund may be a single fund or a lifestyle option.

Lifestyle strategy

(if available)

A ready-made investment strategy managed by us, for you. There are different lifestyle options to choose from to suit your retirement plans, but all aim to protect the value of your investment from large fluctuations as you approach retirement.

Manage your own


If you’re comfortable choosing your own funds, you can choose up to 10 from the risk rated funds available. This could be a good choice if you’re happy being in charge of your investments and fully understand the risks involved.

2. How you’re currently invested

  • It's important you understand these options so that you're invested in a way that suits your retirement plans. 
  • Review your current investment choice and if you’d like to change it, check your Fund Guide and watch our Understanding your investment options video for more information. Or if you want information on a particular fund, click on the fund name in your Fund Guide to go to the fund factsheet.

These options aren’t a recommendation from Prudential. If you’re still unsure, you should speak to your financial adviser if you have one. If you don't have one, you can search for an independent financial adviser in your area by visiting

Your Fund Guide

This guide provides key information on the funds we offer for your AVC scheme.

3. How you’re currently invested

  • How you're invested is up to you. You can change your investment option at any time using our online service.

AVCs are investments and the value of your fund can go down as well as up, so you might get back less than you put in.

Keep track of your investments online

Don't forget, our online service allows you to keep track and manage your investments whenever you like. Just login, or register  if you haven't already, to

  • check your plan value
  • see how your funds are performing
  • monitor your contributions and transactions
  • change how you're invested
  • change your AVC contributions
  • change your selected retirement age
  • change your personal details
  • contact us securely

Registering also means going paperless, though there are some documents not available online yet, so we’ll continue to send you those in the post while we work on expanding our online documents. If you would still prefer paper then you can switch this back on by updating your preferences.

You can register for our Online Service once you've received your confirmation email or letter confirming your application has been processed.  

Before you change your AVC contributions

You must register or log in for our Online Service to make any AVC amendments.  

It takes approximately 15 minutes to change your AVC contributions online.

To change your contribution, you'll need

  • to register for and/or login to our online service.
  • your payslip and
  • to confirm your employer and payroll providers name and address along with your pay frequency – if the information you provide is incorrect it may delay us setting up your plan.

 You'll need to call us if

  • you want to pay by cheque* or
  • you want to exceed the £60,000 annual allowance

*You’ll only need to call us if you’re unable to print the application form, we can send one out in the post for you to complete and return. 

You need to read the documents below before you increase. They have important information about the charges, costs, risks and benefits of the product and the funds to help you make a decision.

To download and save and/or print these documents for future reference, you should ensure that you have a PDF file reader program installed - Adobe has a free reader.

Ready to change your AVC contributions?

Our online form is secure. Once you start this application, any data you enter will be temporarily stored by Prudential and its business partners. The data will be deleted if you don't submit the form.


You will have to log in to our Online Service before accessing the application form.  

If JavaScript has been disabled within your browser, the content and functionality of the online form might be limited or unavailable. Read instructions for enabling JavaScript. We'd also recommend you upgrade to the latest version of your internet browser for an optimal experience.

Once you've changed your AVC contributions, you’ll receive a confirmation email. Remember you can go online to manage your AVC contributions.

To pay by cheque please fill out this application form, and send it back to us, along with your cheque.

If you are paying by cheque, we use the date the cheque was received as the date of contribution.  If you are sending a cheque payment close to the tax year end and want the contribution to be treated for tax relief purposes in that same tax year, we recommend sending by recorded delivery to confirm the date we receive it. Please remember to allow time for postage and processing.

For general enquiries about your existing AVC plan, call our support team on

Lines are open Monday – Friday, 8:30am – 6:00pm.

We might record your call for training and quality purposes. To find out more about how we use your personal data please visit

You can also send us a secure message once you register for our online service.