If you have changed your name due to marriage, divorce, or any other reason, it is essential to update your records with HMRC to ensure your tax and National Insurance details remain accurate. Here’s a simple guide on how to notify HMRC about your name change.
When Should You Notify HMRC?
You should inform HMRC as soon as possible after legally changing your name. Failing to do so could lead to issues with your tax records, National Insurance contributions, or benefits.
Ways to Update Your Name with HMRC
There are several ways to inform HMRC about your name change:
1. Online via Personal Tax Account
The quickest way to update your name is by signing into your Personal Tax Account on the UK Government website. You will need to:
- Log in to your Personal Tax Account
- Select ‘Tell HMRC about a change’
- Update your name and submit the necessary details
2. By Post
You can also write to HMRC with details of your name change. Your letter should include:
- Your old name and new name
- Your National Insurance number
- A copy of legal documents proving the name change (e.g., marriage certificate, deed poll, divorce decree)
- Your signature
Send your letter to: HM Revenue and Customs
Pay As You Earn and Self Assessment
HMRC, BX9 1AS, United Kingdom
3. By Phone
If you prefer to speak to someone, you can call HMRC’s helpline. Be prepared to verify your identity and provide supporting details.
- Personal Tax Helpline: 0300 200 3300 (Monday to Friday, 8 AM – 6 PM)
Updating Your Name on Other Records
After notifying HMRC, you may also need to update your name with:
- Your employer (so your PAYE records match)
- Companies House (if you are a business owner)
- Your bank and pension providers
- The Department for Work and Pensions (if you receive benefits)
What Issues Do I Get If Change My Name With HMRC In UK
Changing your name with HMRC in the UK is generally a straightforward process, but failing to update your records or encountering errors could lead to several issues, such as:
1. Mismatched Tax Records
If your new name is not updated, your tax records may not match other official documents like your bank account, employer records, or pension details. This can cause delays in tax refunds or benefit payments.
2. Problems with PAYE (Pay As You Earn)
For employees, an outdated name may lead to issues with your employer’s payroll system. Your payslips, P60s, and tax codes may not reflect the correct name, potentially leading to confusion when filing tax returns or applying for loans.
3. Delays in Receiving HMRC Correspondence
If HMRC sends tax-related letters using your old name, you may face issues receiving important notices about self-assessment tax returns, tax codes, or penalties.
4. National Insurance Contribution Errors
Your National Insurance (NI) contributions are tied to your personal details. A name mismatch may result in contributions not being recorded properly, potentially affecting your state pension or benefit entitlements.
5. Issues with Self-Assessment Filings
If you are self-employed, a name mismatch could cause complications when submitting your self-assessment tax return, leading to delays in processing or errors in tax calculations.
6. Banking and Loan Verification Issues
Financial institutions often verify tax records during mortgage or loan applications. A name mismatch between your tax records and bank details could slow down approvals or require additional documentation.
Final Thoughts
Keeping your name updated with HMRC helps avoid any discrepancies with your tax records and ensures you receive important communications without delay. Whether you choose to update your details online, by post, or by phone, acting promptly will keep your tax affairs in order.