Understanding the rules of tax options

[GennW88]

This is my first time posting. Apologies if the answer is out there somewhere but my online search for an answer has been fruitless so far!

I currently pay for two days of nursery per week via a salary sacrifice scheme via my employer. I cannot afford a full time place for nursery so have found a childminder for the other three days per week.

I appreciate that I cannot use the tax free government childcare account for the nursery place alongside salary sacrifice, but am I allowed to use an account to pay for the secondary childcare setting?

I can see lots of people asking if they can use both together for the same provider, but I can't find anyone using two different childcare providers.

Thanks in advance.

You cannot use Employer Supported Childcare - commonly referred to as childcare vouchers but it includes other things like the employer directly contracting with the nursery - and tax free childcare.

If you leave the employer scheme, you cannot rejoin. The scheme was closed in October 2018. I assume you were in the scheme before then. If not, then that may change things.

Tax Free Childcare saves up to £2000 per child, per year. Max benefit is £500 per 3 month period. ESC/childcare vouchers saves you Income Tax and National Insurance.

workingfamilies.org.uk/articles/already-get-vouchers-should-i-switch-to-tax-free-childcare/