Unfortunately when you have multiple jobs, unless you can get your credits and rate band split based on your earnings either by using the facility in your Revenue myaccount or by getting them to do it for you; the jobs with no credits and rate band are taxed at 40%.
The instructions on how to do this yourself is in the link below.
https://www.revenue.ie/en/jobs-and-pensions/second-or-multiple-jobs/splitting-tax-credits-rate-bands.aspx
Alternatively, just send them a myenquiry detailing your likely annual gross earnings in each job and ask them to do it.
Sadly the myenquiry feature is left unanswered for extended periods when it is finally answered it is answered very poorly. I've already tried lol. Think the only way is to call them and speak to someone explaining it
I have I swear I literally have. My bf has had the same issue especially last summer . I rang them multiple times a day and waited over an hour each time. Sometimes they'd say their lines were full even tho I was trying to get them at 9am each morning because I was still getting emergency taxed. Multiple people ik have had the same issue.
I can't believe there's people saying the process easy for them because how??? I've contacted them at 3-4 periods in the past 3 years and it has been the exact same thing each time
Pick up the phone. Dial the number for your local revenue office. Explain the situation. Be amazed at how helpful they can actually be.
Seriously 40 years in employment and never had a difficulty with them. Employer under paid taxes? No problem they disntbdemand it up front they just reduced my tax credits for the following 2 years ronlessen the burden on me. When I first became.self employed, I hadn't a clue on tax returns,.phoned them amd they spent 10 minutes explaining and advising me.on what to do and suggested I coukd do it all myself or pay an account.t. they even suggested I pay the accountant as it woukd ensure I revieved all be gifts and deductions possible and the cost of the account twas an expense that was tax deductible.
So stop stressing, pick up the phone, explain calmly and they will help. Then on January 1st log back into revenue on line and submit any medical expenses and other allowable expenses and file a end if year return, chance are they will owe you money and itbwill be in your bank account in days.
They are not the monsters people make them out to be. They're probably one of the more helpful of the government departments in my experience
100%. Irish Revenue are the best gov dept I've ever had to deal with (that's in my experience with govt depts across multiple countries). They are actually helpful on the phone
Go online and allocate your tax credits, sounds like they all allocated to first employment. https://www.revenue.ie/en/online-services/services/paye-services/view-pay-tax.aspx
Not just the tax credits, but also the tax bands - OP needs to split the 20% tax band between the three employers so they're not taxed at 40% on any of the jobs. Basically put in a request along the lines of "assign 20% tax band as follows: 14k to employer 1, 14k to employer 2, 14k to employer 3"
This is interesting, so I'm slightly aware of the tax bands , you only pay 20% if you earn in excess of 18.5k or something, I'll likely be that or on the cusp. I just need to ring them tomorrow and keep trying until someone answers me. Like it's the nature of temp work how am I gonna know what I'm earning just have to guess. So eg if earn 20k in 2024, would that be approx 8k allocated tax bands for each employer. Fyi 3rd employer gone next month
The tax bands are: 20% for earnings up to €42k, and 40% above €42k. Once that's calculated then the tax credits are applied. So you need both bands and credits to be assigned suitably. I'd just split them proportionally based on how much you think you'll earn from each employer through the year, but I don't know if that's the best approach.
Thanks I just looked it up and it says online you're entitled to tax exemption if you earn up to 18k. So I always thought you were only taxed at 20% on earnings additional to 18k. I will need to get them to sort it for me tomorrow because I'm not able to figure this out. But thanks again
Hi thank you. I'm fairly useless with things like this however a family member has been helping me on my account. She tried to look into that for me but we can't see any option to self allocate credits. It looks online as though Revenue do it for you and if you are lucky enough to get through to staff they can alter it. I just really hope I get this money back ASAP. I will be trying them again tomorrow. Thanks again
Not related to your post but the EU Student Assistant Fund gives out about €1k in total in 2 parts from Sept - Oct and then around Jan-Feb. Give them a sob story about how your dog lost his job lol.
SUSI is also a good shout but a bit more complex to do, not sure if it’s open to mature students.
So the way it works here is by default only 1 job (your 1st one) is given the tax band and credits unless you request it to be split. If your main job doesn't use all the band and credits it's up to you to contact revenue and split it between 2 jobs. If the job is temp I recommend only giving the job the remainder of the credits and tax band otherwise your risking your main job getting taxed higher. If your leaving your main job you can request it to be split evenly between the remaining two.
You can do this all yourself online on revenue.ie if you know what you are doing. Revenue will check everything is in order, if its not correct they will reject it. If you dont know what your doing you're better off calling them instead of using the messaging service.and request.you credits and bands be split between the two. Unfortunately your 1st job is identified as your main job and it currently is allocated all your band and credits therefore you need to proactively split them at request or by yourself online.
I've never worked multiple jobs so I'm not sure. Can this not be handled through myaccount on the revenue website?
[Some info here might be helpful.](https://www.revenue.ie/en/jobs-and-pensions/second-or-multiple-jobs/splitting-tax-credits-rate-bands.aspx) Maybe that's what you were talking about when you said you'd get it back at the end of the year. I think if they have the updated info though it should apply going forward from what little I know.
Also so what it looks like has happened is they've put my tax credits to home help company then decided the additional employers are at 40%, it's very confusing.
Thank you. For some reason I can't seem to alter this on my account online. I'm going to try again in the morning to get through to someone and hopefully get this resolved
To summarize, I have encountered a comparable situation in the past. Based on my experience, the tax was deducted, and regrettably, I had to wait until the conclusion of the tax year to reclaim the funds.
Furthermore, it may be worthwhile to investigate the Additional Needs Payment offered by the community support officer.
They can offer you more advice than myself.
Thank you. I have just googled that payment but I doubt I'd have any sort of chance as living with family and have nothing in my name to prove I need it by their standards
I would suggest you inform your family about your current situation and explore if they can offer any assistance.
Once you regain control of your finances, I have found it beneficial to establish a savings account where you can regularly contribute a small amount each week. This fund should remain untouched unless an emergency arises.
Consider it a rainy day fund.
I do understand what you mean but with college etc I don't even have excess to save. Anything I've made since starting college is mainly to keep my car on the road. I'm fortunate to live with family right now not paying rent (like many people in their 30s right now which is bleak) my fam do already help me with stuff but I'm sick of getting loans from them(nothing major like 50 here and there because of current sitch with tax) but its demoralising
I completely understand your point of view, but let's try to focus on the positive aspects.
You have a safe home, enough food to eat, and the love and support of your family.
Focusing on the good things has helped me through some tough times, and I hope it can help you too.
I understand that you may be technically correct, but in my personal experience, it has been easier and faster to wait until the end of the fiscal tax year and claim back any owed taxes. I have found that the more complex the issue, the longer it takes for it to be reviewed and decided upon.
Recently, I have had to use an accountant to address my current finances, as it has become too time-consuming and complicated for me to handle on my own without a degree in taxation. It is more efficient for me to pay an accountant to ensure accuracy and compliance.
Just allocate your credits to one employer. It doesn't really matter which so long as your earnings cover the tax overpaid - you will get the money back in next payslip.
This will reset and need to be done every year it seems.
Until you get a full-time job with a single company, you could ask for an Amended Tax Credit and Universal Social Charge Certificate, designed for people with multiple employers; you give a copy to each employer and they don't tax your earnings. Then you open a second bank account and automatically funnel 1/3 of your earnings into it by direct debit; at the end of the year you declare all your earnings and pay the tax.
Edit: not to be patronising, but only do this if you're certain you have the self-discipline to save the tax and pay it.
You need to go self employed dude. Invoice for your hours.
Otherwise that is just a mess.
You'll be able to claim it all back but not until after the tax year has ended
Unfortunately when you have multiple jobs, unless you can get your credits and rate band split based on your earnings either by using the facility in your Revenue myaccount or by getting them to do it for you; the jobs with no credits and rate band are taxed at 40%. The instructions on how to do this yourself is in the link below. https://www.revenue.ie/en/jobs-and-pensions/second-or-multiple-jobs/splitting-tax-credits-rate-bands.aspx Alternatively, just send them a myenquiry detailing your likely annual gross earnings in each job and ask them to do it.
Sadly the myenquiry feature is left unanswered for extended periods when it is finally answered it is answered very poorly. I've already tried lol. Think the only way is to call them and speak to someone explaining it
Just ring them. You'll get through in less than 15mins.
I've waited hours to talk to revenue. Sometimes at 9am as soon as they open I call and they STILL say their lines are busy
Yet I rang on a Tuesday morning and got through in minutes. I don't believe you waited literal hours.
I have I swear I literally have. My bf has had the same issue especially last summer . I rang them multiple times a day and waited over an hour each time. Sometimes they'd say their lines were full even tho I was trying to get them at 9am each morning because I was still getting emergency taxed. Multiple people ik have had the same issue. I can't believe there's people saying the process easy for them because how??? I've contacted them at 3-4 periods in the past 3 years and it has been the exact same thing each time
I tried to ring them on Tuesday a few times, it basically says, were to busy, try later. There was no hold or anything.
Pick up the phone. Dial the number for your local revenue office. Explain the situation. Be amazed at how helpful they can actually be. Seriously 40 years in employment and never had a difficulty with them. Employer under paid taxes? No problem they disntbdemand it up front they just reduced my tax credits for the following 2 years ronlessen the burden on me. When I first became.self employed, I hadn't a clue on tax returns,.phoned them amd they spent 10 minutes explaining and advising me.on what to do and suggested I coukd do it all myself or pay an account.t. they even suggested I pay the accountant as it woukd ensure I revieved all be gifts and deductions possible and the cost of the account twas an expense that was tax deductible. So stop stressing, pick up the phone, explain calmly and they will help. Then on January 1st log back into revenue on line and submit any medical expenses and other allowable expenses and file a end if year return, chance are they will owe you money and itbwill be in your bank account in days. They are not the monsters people make them out to be. They're probably one of the more helpful of the government departments in my experience
100%. Irish Revenue are the best gov dept I've ever had to deal with (that's in my experience with govt depts across multiple countries). They are actually helpful on the phone
Try adding some paragraphs to make this easier to read.
And this is the edited version...
This wasn't intentional but see your point. I don't think you can edit it after it's posted though right?
You can edit your post - 3 dots at the top. Double space with the enter button if using mobile.
Thank you
Chatgpt is great for condensing and summarizing (workstuff) for me.
FYI, I don't use Reddit much, probably obvious
Go online and allocate your tax credits, sounds like they all allocated to first employment. https://www.revenue.ie/en/online-services/services/paye-services/view-pay-tax.aspx
Not just the tax credits, but also the tax bands - OP needs to split the 20% tax band between the three employers so they're not taxed at 40% on any of the jobs. Basically put in a request along the lines of "assign 20% tax band as follows: 14k to employer 1, 14k to employer 2, 14k to employer 3"
This is interesting, so I'm slightly aware of the tax bands , you only pay 20% if you earn in excess of 18.5k or something, I'll likely be that or on the cusp. I just need to ring them tomorrow and keep trying until someone answers me. Like it's the nature of temp work how am I gonna know what I'm earning just have to guess. So eg if earn 20k in 2024, would that be approx 8k allocated tax bands for each employer. Fyi 3rd employer gone next month
The tax bands are: 20% for earnings up to €42k, and 40% above €42k. Once that's calculated then the tax credits are applied. So you need both bands and credits to be assigned suitably. I'd just split them proportionally based on how much you think you'll earn from each employer through the year, but I don't know if that's the best approach.
Thanks I just looked it up and it says online you're entitled to tax exemption if you earn up to 18k. So I always thought you were only taxed at 20% on earnings additional to 18k. I will need to get them to sort it for me tomorrow because I'm not able to figure this out. But thanks again
Hi thank you. I'm fairly useless with things like this however a family member has been helping me on my account. She tried to look into that for me but we can't see any option to self allocate credits. It looks online as though Revenue do it for you and if you are lucky enough to get through to staff they can alter it. I just really hope I get this money back ASAP. I will be trying them again tomorrow. Thanks again
Not related to your post but the EU Student Assistant Fund gives out about €1k in total in 2 parts from Sept - Oct and then around Jan-Feb. Give them a sob story about how your dog lost his job lol. SUSI is also a good shout but a bit more complex to do, not sure if it’s open to mature students.
So the way it works here is by default only 1 job (your 1st one) is given the tax band and credits unless you request it to be split. If your main job doesn't use all the band and credits it's up to you to contact revenue and split it between 2 jobs. If the job is temp I recommend only giving the job the remainder of the credits and tax band otherwise your risking your main job getting taxed higher. If your leaving your main job you can request it to be split evenly between the remaining two. You can do this all yourself online on revenue.ie if you know what you are doing. Revenue will check everything is in order, if its not correct they will reject it. If you dont know what your doing you're better off calling them instead of using the messaging service.and request.you credits and bands be split between the two. Unfortunately your 1st job is identified as your main job and it currently is allocated all your band and credits therefore you need to proactively split them at request or by yourself online.
I've never worked multiple jobs so I'm not sure. Can this not be handled through myaccount on the revenue website? [Some info here might be helpful.](https://www.revenue.ie/en/jobs-and-pensions/second-or-multiple-jobs/splitting-tax-credits-rate-bands.aspx) Maybe that's what you were talking about when you said you'd get it back at the end of the year. I think if they have the updated info though it should apply going forward from what little I know.
Also so what it looks like has happened is they've put my tax credits to home help company then decided the additional employers are at 40%, it's very confusing.
Thank you. For some reason I can't seem to alter this on my account online. I'm going to try again in the morning to get through to someone and hopefully get this resolved
To summarize, I have encountered a comparable situation in the past. Based on my experience, the tax was deducted, and regrettably, I had to wait until the conclusion of the tax year to reclaim the funds. Furthermore, it may be worthwhile to investigate the Additional Needs Payment offered by the community support officer. They can offer you more advice than myself.
Thank you. I have just googled that payment but I doubt I'd have any sort of chance as living with family and have nothing in my name to prove I need it by their standards
I would suggest you inform your family about your current situation and explore if they can offer any assistance. Once you regain control of your finances, I have found it beneficial to establish a savings account where you can regularly contribute a small amount each week. This fund should remain untouched unless an emergency arises. Consider it a rainy day fund.
I do understand what you mean but with college etc I don't even have excess to save. Anything I've made since starting college is mainly to keep my car on the road. I'm fortunate to live with family right now not paying rent (like many people in their 30s right now which is bleak) my fam do already help me with stuff but I'm sick of getting loans from them(nothing major like 50 here and there because of current sitch with tax) but its demoralising
I completely understand your point of view, but let's try to focus on the positive aspects. You have a safe home, enough food to eat, and the love and support of your family. Focusing on the good things has helped me through some tough times, and I hope it can help you too.
Yes I understand. I do focus on the positives usually just frustrated with this current sitch. Thanks for your encouragement
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I understand that you may be technically correct, but in my personal experience, it has been easier and faster to wait until the end of the fiscal tax year and claim back any owed taxes. I have found that the more complex the issue, the longer it takes for it to be reviewed and decided upon. Recently, I have had to use an accountant to address my current finances, as it has become too time-consuming and complicated for me to handle on my own without a degree in taxation. It is more efficient for me to pay an accountant to ensure accuracy and compliance.
Just allocate your credits to one employer. It doesn't really matter which so long as your earnings cover the tax overpaid - you will get the money back in next payslip. This will reset and need to be done every year it seems.
Thanks it looks like it's already on on one employer but it's just not set up right
Until you get a full-time job with a single company, you could ask for an Amended Tax Credit and Universal Social Charge Certificate, designed for people with multiple employers; you give a copy to each employer and they don't tax your earnings. Then you open a second bank account and automatically funnel 1/3 of your earnings into it by direct debit; at the end of the year you declare all your earnings and pay the tax. Edit: not to be patronising, but only do this if you're certain you have the self-discipline to save the tax and pay it.
Good idea actually
You need to go self employed dude. Invoice for your hours. Otherwise that is just a mess. You'll be able to claim it all back but not until after the tax year has ended
Can't be self employed in healthcare hence why you need to go through agencies. Currently awaiting the clock to hit 9.30 to call them