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@servingnovice Ah yeah I didn't think about NI contributions, good shout. But still a tax break on it which is relevant for what people are saying versus potential credit card interest rates.

@anonymess I've never in my life worked in a job in the UK where this is a thing. From retail jobs to pharmacy jobs, to call centre work, to banking. However I have searched this due to the first time I'm hearing it and I'm pretty sure pensions should not work that way, and I have found this...