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Pensions in Europe

Technical Guides • Pensions in Europe

  • Retirement Planning

Pensions in Europe

Considering retiring to Europe? Already living your dream life under the sun?

Your pension strategy plays a crucial role in making your retirement abroad truly successful. Our Pensions in Europe guide has been created specifically for UK nationals who are living in, or thinking about moving to, countries like Spain, France, Portugal, Cyprus, and Malta.

Understanding your pension options is critical, especially when factoring in Brexit impacts, local tax rules, and currency considerations. This guide helps you navigate the complex decisions around State Pensions, private pensions, and defined benefit schemes while living overseas.

This guide will help you

  • Understand how different pension types (State, Defined Benefit, Defined Contribution) operate when you live abroad.

  • Explore the pros and cons of keeping your money in your pension versus withdrawing it.

  • Assess the tax consequences of pension income in Europe — including how taxation varies country by country.

  • Learn about pension consolidation, transfers, annuity purchases, and how Brexit has affected pension planning for expats.

  • Discover key considerations around currency exposure and the Overseas Transfer Charge.

  • Explore opportunities for efficient retirement income and succession planning depending on your country of residence.

Who should download this guide?

  • UK nationals who have moved to Europe or are planning to retire abroad.

  • Individuals holding UK pensions (State, private, or employer schemes) who want to optimize their retirement income.

  • Those concerned about how local tax regimes will impact their pension benefits.

  • Anyone considering transferring a UK pension overseas or consolidating multiple pensions.

Retiring abroad doesn't have to mean leaving your financial security to chance.

With the right advice and planning, you can turn complexity into opportunity — and ensure your pension works for you, wherever you are.

Download the guide now to start planning smarter for your future in Europe.

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