Non-UK Residents & Expats
Managing UK pensions and investments while living overseas
Invinitive supports non-UK residents and expats who retain UK pension or investment assets and want to manage them through a modern, UK-regulated platform.
We provide execution-only administration and platform services. We do not provide financial advice or overseas advisory services.
Who this is for
This section is relevant if you:
Accounts available to non-UK residents
Availability depends on country of residence and onboarding requirements.
Self-Invested Personal Pension (SIPP)
Many non-UK residents use a SIPP to:
- •Consolidate existing UK pensions
- •Retain access to UK-based pension assets
- •Manage investments online while living abroad
Contributions for non-UK residents:
Non-UK residents may be able to make contributions to a SIPP if they have UK relevant earnings. This includes:
- •UK employment income (PAYE)
- •UK self-employment income
- •UK employer contributions (subject to scheme rules)
If you do not have UK relevant earnings, SIPPs are typically used for consolidating and managing existing UK pension assets while living abroad.
Investment Account (GIA)
Investment Accounts may be available to non-UK residents, subject to jurisdictional restrictions.
- •No UK residency requirement
- •Multi-currency investing
- •Access to global markets
Stocks & Shares ISA
Many non-UK residents use an ISA to:
- •Consolidate existing ISA accounts
- •Retain access to UK-based ISA assets
- •Manage investments online while living abroad
Note: Non-UK residents cannot normally make new ISA contributions. ISAs are typically used for consolidating and managing existing ISA assets while living abroad.
Investment access
Non-UK resident clients may access FCA-permitted, standard investments, including:
All investments are administered within a UK regulatory framework.
Multi-currency investing
Invinitive supports internationally mobile clients with:
This helps reduce unnecessary currency conversions and improve cost transparency.
Transfers from overseas or UK providers
We support transfers from:
Both cash and in-specie transfers may be supported, depending on asset type and provider.
We support pension transfers on both electronic and manual routes. Invinitive is part of the Origo Transfer Service community for eligible in-scope transfers where both schemes support Origo.
Availability and timescales still depend on the ceding provider, scheme rules, and any additional checks relevant to internationally mobile clients.
👉 Learn more about transfersRegulatory clarity
Fees & transparency
Our pricing is published clearly and applies consistently across accounts.
👉 View pricingLooking for an Adviser Outside the UK?
If you live outside the UK and would like to work with an adviser experienced in international and cross-border planning, you may find Link Independent helpful.
Link Independent is a global directory of advisory firms that specialise in international, offshore, and expatriate financial planning.
👉 Visit Link IndependentInvinitive Financial UK Ltd does not endorse or recommend any firm listed and does not receive control over adviser selection. This link is provided purely as a research starting point.
Next steps
If you are living overseas and want to understand whether Invinitive can support your circumstances, we're happy to help with general information.
Important information
Invinitive Financial UK Ltd is authorised and regulated by the Financial Conduct Authority. We do not provide financial advice. Investments can fall as well as rise in value, and you may get back less than you invest. Tax treatment and account availability depend on country of residence and individual circumstances.