Additional Voluntary Contributions (AVCs)

As a member of the BT Pension Scheme (BTPS) you have the option to make Additional Voluntary Contributions. This section provides a high level description of this facility.

The terms of the AVC facility are subject to the Rules of BTPS and HMRC regulations, which will prevail if there is any conflict with the information on this website.

If you are unsure about any aspect of investing AVCs in BTPS, you should seek independent financial advice as government regulations prohibit BT, the BTPS Trustee or their administrators Accenture from providing advice on investing in AVCs.

If you have any AVC benefits and are approaching retirement or considering your retirement options, please read the information included in the "Additional options at retirement" and "Pension Wise - free guidance" sections on the left.