Just to share an option I’ve sometimes used in the past when due a bonus or back money from an employer.
I asked them to put it into my DC retirement savings scheme as an employee AVC payment.
Once it didn’t bring me over the max allowable relief for the year it meant that I got the benefit of the full sum into my retirement savings.
It also meant of course I didn’t get anything into the hand and I was down the value of PRSI and USC at the time.
Worse off in the pocket short term, better off long term.
It can also be done later (up to end of October of following year but attributed to this year) as a lump sum AVC payment and get a tax refund if within revenue limit