Expat Pensions
This section focuses on the practical realities of managing UK pension assets while living overseas.
Important information
Tax treatment varies significantly by country of residence. This information is general in nature and does not constitute tax or financial advice. Always consult with qualified local advisers regarding your specific circumstances.
Expat pension guides
UK Pension Tax for Expats
Living overseas can affect how UK pensions are taxed. Learn how UK pension tax rules typically apply to expats, including overseas tax and double taxation considerations.
Read more →
Can Expats Contribute to a SIPP?
This guide explains whether expats can contribute to a SIPP and how UK tax residency, earnings and contribution limits affect non-UK residents.
Read more →
SIPPs for Non-UK Residents Explained
This guide explains whether expats can contribute to a SIPP and how UK tax residency, earnings and contribution limits affect non-UK residents.
Read more →
Can You Keep a UK Pension When Living Abroad?
Can you keep a UK pension while living abroad? This guide explains how UK pensions typically work for non-UK residents and what changes after you move overseas.
Read more →
QROPS vs SIPP
A plain-English guide to understanding the difference, why the market changed, and what questions to ask about an existing pension arrangement.
Read more →
Managing UK Pensions While Living Abroad
A plain-English guide explaining how UK pensions typically operate when you live overseas, including administration, access rules, and what does — and does not — change after leaving the UK.
Read more →
Common expat pension scenarios
People living overseas often encounter similar questions when managing UK pension assets. The guides above address many of these situations.
Moved abroad but still have a UK pension
Understanding how UK pensions typically operate after leaving the UK.
Read guideLiving overseas and considering ongoing contributions
How residency and earnings can affect pension contributions.
Read guideReturning to the UK after time abroad
What typically happens to UK pension arrangements.
Read guideUK pension tax for expats
How UK pension tax rules typically apply when living overseas.
Read guideInternational SIPP vs Standard SIPP
Understanding the key differences between international and standard SIPPs.
Read guideInternational SIPPs
Non-UK residents may be able to retain and administer UK pension assets within a Self-Invested Personal Pension (SIPP), subject to eligibility, jurisdictional restrictions, and HMRC rules.
International SIPPs remain UK-registered pensions and operate within the UK pension framework, even when the account holder lives overseas.
Important to know
This section provides general information only. We do not provide tax advice, investment advice, or recommendations.
We do not assess whether a pension arrangement is suitable for you, and we do not advise on overseas tax treatment. Information here is intended to help you understand how UK pension rules typically operate for non-UK residents.
Detailed guides in development
We're creating comprehensive resources specifically for expats and non-UK residents. Check back soon for detailed information.
Before you contact us
You may find it helpful to review:
- •Expat pension guides above
- •Our Knowledge Hub for background information
- •The Help Centre for account and process questions
Our team can help with general queries about our accounts and processes.