Withdrawals from ARF and taxation

I understand pension provider deducts tax from distributions. In order to ensure only 20% is deducted (as all sources of income are below 20% threshold) rather than 40% do I just send the provider a tax credit cert in advance which I received from Revenue ? Does the provider deduct PRSI and USC too from the distributions and if so how do I ensure they only deduct USC rate at 4.5% rather than at higher rate ? Do I just advise them in advance ? Thanks.

You just get the tax number from the ARF provider and then you allocate the relevant credits and allowances to that number. That can be done online through myaccount or ROS. You will then get an updated tax certificate and revenue will inform the ARF provider.


distributions are operated through the PAYE system so all deductions are made

Thanks very much.