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Update: Please be aware that despite the Coronavirus (COVID-19) pandemic, we are operating as usual and our partners will be conducting initial consultations online and by telephone.

Pension Questions

What does QROPS mean?

I've recently discovered that expats could be eligible for a QROPS, but what does "QROPS" mean?

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What is a QROPS scheme?

I have a UK pension and live abroad. I was wondering, what is a QROPS scheme exactly?

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What is a SIPP?

I’m evaluating my retirement plans and I am considering opening a SIPP, but what are they and are they suitable for me?

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What is the overseas transfer charge on QROPS transfers?

I’ve heard the UK government has introduced an overseas transfer charge of 25% for pension transfers to QROPS schemes, but what is the overseas transfer charge?

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How much is the UK State Pension?

I believe the UK State Pension payment has recently changed. How much is the UK State Pension per week?

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Can I transfer my pension?

I have a UK based private pension, but can I transfer my pension elsewhere?

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Should I transfer my pension?

Under what conditions should I consider transferring my pension offshore?

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Do I qualify for a British pension?

I live abroad, but don't know what I'm entitled to regarding the state pension. Do I qualify for a British State Pension?

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Can I transfer my UK pension to Australia?

I have previously lived in the UK and paid into a UK pension, however, I have moved to Australia and want to know: can I transfer my UK pension to Australia?

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Can I contribute to a SIPP when a non-resident?

Once I move abroad, will I still be able to contribute or pay money into a SIPP?

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Can non-UK residents open a SIPP?

I live outside of the UK and I would like to open a UK SIPP, is that possible and how do I do it?

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Can I transfer a QROPS back to the UK?

I am currently a UK resident and have been planning to retire in Spain for 10 years. I originally started my QROPS in 2010 and have been paying into it ever since, but due to recent health issues with my mother in the UK, I am having to change my plans and retire here to care for her. Can I transfer my pension back to the UK without suffering too many consequences?

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Experts for Expats has been featured in...

BBC Breakfast - Expats in Cyprus having issues with UK bank accounts - click to see article
Saga - Want to retire in the EU? What could the future hold for you? - click to see article
The Guardian - The older expats facing poverty – thanks to Brexit and frozen pensions - click to see article
The Telegraph - The surprising places British expats can earn the most - click to see article
MailOnline - A third of British expats would like to move back to the UK and 40% admit they are homesick... but they will stay abroad for a better quality of life - click to see article
The Times - Thousands of retiring Britons vote for Brexodus - click to see article