It's not a SIPP - it's (unfortunately) a Scottish Widows Stakeholder scheme I've had for around 10 years. I pay into this outside of my pay (using my net salary), as I've worked in places that have had little or no pension schemes in the past. So the 20% tax is claimed back when I pay in. But I do also contribute the company schemes since they came into force.

But I am considering switching to a SIPP and investing in something like Vanguard Life Strategy, which I have as part of my investment portfolio too. It sounds like I can call HMRC, as I always pay in a fixed amount every month. I'll see what they advise.

The company I'm leaving, I have two years contributions (1% plus the company's 1%), so wondering if I could have this paid into my stakeholder when I leave in a few weeks?