Thinking About Transferring Your UK Pension to Europe?
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Get in touch to explore your pension transfer options and how to access your retirement income tax-efficiently while living in Europe.
Planning to retire or settle in Europe?
If you’ve built up pension savings in the UK, understanding your transfer options is crucial. The rules are complex and changes in the 2024 Budget have added new tax implications.
This free guide walks you through:
Whether a pension transfer is right for you
Why you should NOT be transferring to a QROPS
Tax rules in popular destinations
The latest 2025 updates on transfer charges and exemptions
Why Consider a Pension Transfer?
Transferring your UK pension to Europe can give you:
Greater flexibility in accessing your money
Protection from exchange rate fluctuations
Potential tax advantages, depending on your country of residence
Better alignment with your long-term financial goals abroad
But transfers also come with risks and tax implications and making the wrong decision could reduce your retirement income.
What's Inside the Guide?
✅ Can you transfer your pension abroad and should you?
✅ QROPS vs UK SIPPs: Which is right for your situation?
✅ Tax treatment of UK pensions
✅ How currency risk and fees affect your income
✅ What’s changed since 2024: The new 25% tax rule explained
✅ Guidance on transferring a pension from the UK to Europe
✅ Common mistakes to avoid and how to plan with confidence
This guide is ideal if you are:
✅ A UK national living in Europe or planning a move
✅ Unsure whether to keep or transfer your pension
✅ Worried about tax, currency risk, or losing benefits
✅ Seeking a clear, trusted overview before making a big decision
Whether you’re retiring next year or just starting to explore your options, this guide will help you understand the full picture.
Don’t Let Rule Changes Catch You Out
In 2024, the UK government introduced a 25% tax charge on most overseas pension transfers. Even within Europe, many QROPS transfers may now be taxed unless strict conditions are met.
This guide explains what the new rules mean, how to tell if you’re exempt, and whether alternatives like a UK International SIPP may be more suitable in 2025.
Want Personalised Advice from a Firm That Puts People First?
Once you’ve read the guide, you’ll have the opportunity to book a free, no-obligation call with one of our experienced advisers.
At Arthur Browns, we’ve been providing independent financial advice since 1931. For nearly a century, we’ve helped individuals and families make smarter decisions with their money. Not by chasing products or performance, but by focusing on what matters most: their goals, their lifestyle, and their future.
Today, we support clients across the UK and Europe, from British expats planning retirement in the sun, to long-time investors looking to optimise their pension strategy.
We believe:
- Everyone deserves access to high-quality, independent advice
- Real financial planning starts with listening, not selling
- Your money should be structured around your life, not the other way around
Our Promise:
You’ll get honest, clear guidance tailored to your unique situation, no pressure, no jargon, and no product pushing.
