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Irish Pension Transfer Guide
Technical Guides • Irish Pension Transfer Guide
Irish Pension Transfer Guide
If you’ve left Ireland, don’t leave your pension behind.
Irish Pension Transfer Guide
For many Irish expatriates, their pension remains locked in Ireland—subject to high charges, limited investment flexibility, and a tax regime that may no longer fit their life abroad. But there are options.
This guide explores how Irish expats can transfer their pensions to international structures, particularly IORPS schemes in Malta, unlocking more control, flexibility, and potentially substantial tax benefits. It also clarifies who qualifies, how the process works, and the key factors to weigh if you’re planning to stay overseas or return to Ireland.
What’s Inside?
- Irish pension transfers
- Transfers to QROPS for Irish citizens who will retire in Ireland
- UK pension transfers to Hong Kong for British expats in Ireland
- Why transfer
- Overseas transfer regulations
- What happens next
Why Download This Guide?
Because your pension should support your life abroad—not be drained by it. Whether you’re retiring in Spain, the UAE, or somewhere else entirely, this guide explains how to align your Irish pension with your international future.
Who Is This Guide For?
- Irish citizens living abroad or planning to retire overseas
- Expats with one or more Irish pension pots they want to manage more actively
- Individuals looking to reduce fees, increase flexibility, or access early
- Anyone unsure about Irish Revenue’s changing rules on overseas transfers
FAQs
Your first initial meeting and fact find with one of our qualified financial advisers is FREE.
In this meeting, your adviser will take a look at your circumstances; where you are in the world, where your assets currently are, and help come up with a plan of financial objectives.
Yes.
We send a letter of authority (LOA) to your pension provider/s. This is an information request and does not permit us to make any changes to your current pension/s.
Then your pension provider will provide us with the details of your current benefits and the terms & conditions of your scheme. They will also provide a transfer value. This states the amount they would pay you to exit the scheme.
Yes.
Hoxton Wealth will prepare a comprehensive report for you that details your current schemes benefits and shows a comparison with your alternative options.
If you decide that a transfer is right for you, Hoxton Wealth will arrange all the required paperwork to facilitate the transfer and set up the pension you wish to transfer into. Once the transfer is complete, we will then provide advice on how to best manage your assets within the new pension, in line with your preferred strategy, and help you meet your goals.
- Defined contribution occupational pension
- Defined benefit occupational pension schemes
- Buy out bonds
- Personal retirement savings accounts
Download Your Free Guide
Get your Irish Pension Transfer Guide and find out how to take back control of your retirement savings.
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Retirement Planning
At Hoxton Wealth, we specialise in creating customised plans that balance growth, security, and sustainability. Whether you're combining pensions, maximising savings, or trying to understand international retirement planning, our expert advisers are here to guide you every step of the way.
