HMRC Tax Refund Changes: How to Claim Money for Previous Years

Have you paid too much tax in previous years? You may be entitled to a refund from HMRC.

HMRC is changing how most multi-year tax refunds are paid. Employees will generally need to request their repayment online instead of receiving an automatic cheque.

Understanding these changes can help you claim your money and avoid unnecessary delays.

What Is Changing About HMRC Tax Refunds?

HMRC is updating the process for tax refunds covering more than one tax year.

Previously, eligible employees could receive a cheque automatically after their multi-year refund claim was processed. Under the new process, most taxpayers will need to request their repayment themselves.

This brings multi-year refunds in line with HMRC’s existing P800 repayment process.

How Can You Claim a Multi-Year Tax Refund?

Once HMRC has processed your claim, you will receive a P800 tax calculation letter. This letter will explain how to request your refund.

You can usually request your repayment through either of these options:

• HMRC personal tax account: Sign in to your account and follow the instructions.
• HMRC app: Use the app to access your tax information and request your repayment.

Using these digital services is generally the quickest way to request your money.

Can You Claim Without Signing In to HMRC?

Yes. You can request your repayment online without signing in through the Government Gateway.

Visit the GOV.UK tax overpayments and underpayments service to find the relevant online service.

You will need two things to complete your request:

• The unique reference number from your P800 letter.
• Your National Insurance number.

This option is useful if you do not have an HMRC online account or prefer not to sign in.

Can You Still Receive a Tax Refund by Cheque?

Yes. HMRC will still offer cheques to people who cannot use digital services or prefer this payment method.

However, receiving a cheque may take longer than requesting your repayment online.

If you want to receive your money as quickly as possible, using HMRC’s digital services is generally the more convenient option.

What Is the Deadline for Claiming a Tax Refund?

You should check the deadline before claiming a refund for an earlier tax year.

In many cases, claims must be made within four years of the end of the relevant tax year. However, the rules can vary depending on the type of claim and your circumstances.

If you think you have overpaid tax, check your eligibility as soon as possible. Waiting too long could mean missing the opportunity to claim a refund.

What Should You Do Next?

If you believe HMRC owes you money, start by checking your tax records and identifying the relevant tax years.

Then follow these steps:

1. Check whether you have overpaid tax.
2. Submit your claim to HMRC.
3. Read your P800 tax calculation letter carefully.
4. Follow the instructions to request your repayment.
5. Keep your reference number and other relevant documents safe.

If you are unsure whether your tax calculation is correct, consider speaking to a qualified tax professional.

Final Thoughts

HMRC’s changes mean that most employees claiming multi-year tax refunds will need to request their money rather than wait for an automatic cheque.

Using HMRC’s online services can make the process quicker and easier. Checking your P800 letter and understanding the relevant deadlines will also help you avoid unnecessary delays.

Need help with your tax affairs? Makesworth Accountants can help you understand your tax position and identify the support you may need.

Official guidance: Tax overpayments and underpayments – GOV.UK

Source: HMRC Employer Bulletin – August 2026

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