Carry over pension allowance for non-earners

I have no relevant earnings for the 2024-25 tax year but I have unused allowance from the previous 3 years. Would the maximum of £3600 contribution still apply? If so, what would happen if I paid more than £2880 into my defined contribution pension?

Hi,
If you are not gainfully employed or registered as self-employed or in receipt of benefits that award National Insurance credits you will have a shortfall in NI contributions for each year.
You can view your NI record on line via a personal tax account.
Personal tax account: sign in or set up
Thank you.