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UK state pension

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Pension and tax rules can change and tax relief depends on your personal circumstances. This information is not personal advice. Investments go down in value as well as up so you could get back less than you invest. If you’re not sure which investments are right for you, we can put you in touch with one of our financial advisers.


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A QROPS (Qualifying Recognised Overseas Pension Scheme) is a type of pension scheme available for individuals who have accrued pension savings in the UK and are either planning to move abroad or are already living outside the UK. It allows these individuals to transfer their UK pension funds into an overseas pension scheme that meets certain qualifying criteria set by HM Revenue & Customs (HMRC), the UK tax authority.

What is the UK state pension ?

The UK State Pension is a regular payment provided by the government to eligible individuals who have reached State Pension age. It serves as a foundation for retirement income and is intended to support individuals financially during their retirement years. The amount of State Pension one receives depends on various factors, including the individual's National Insurance contribution history. The State Pension age and eligibility criteria may vary depending on when a person was born and other circumstances, as determined by the UK government.

Who is eligible for the UK state pension ?

Eligibility for the UK State Pension is typically based on the individual's National Insurance contribution record. In general, to qualify for the full State Pension, individuals usually need to have made National Insurance contributions for a certain number of qualifying years. The number of qualifying years required may vary depending on when the individual reached State Pension age.

Additionally, individuals may be eligible for the State Pension based on certain circumstances, such as being credited with National Insurance contributions while caring for children or receiving certain benefits. State Pension eligibility can also be affected by factors such as residency status and whether the individual has contracted out of the State Pension scheme in the past.

It's important for individuals to check their State Pension forecast with the UK government's Pension Service to understand their eligibility and the amount they may receive.

How to check your eligibility ?

You can check your eligibility for the UK State Pension and get an estimate of how much you might receive by requesting a State Pension forecast from the UK government's Pension Service. Here's how you can do it:

1. Online: You can use the "Check your State Pension" service on the official UK government website. You'll need to set up a personal account and verify your identity to access your State Pension forecast.

2. By Phone: You can contact the Future Pension Centre to request a State Pension forecast. The contact details can be found on the UK government website.

3. By Post: You can fill out and mail the BR19 application form to the Future Pension Centre to request a State Pension forecast by post. The form can be downloaded from the UK government website or requested by phone.

4. Through Your Personal Tax Account: If you have a personal tax account with HM Revenue and Customs (HMRC), you may be able to check your State Pension forecast there.

By obtaining a State Pension forecast, you'll be able to see how much State Pension you may be entitled to based on your National Insurance contribution record and other relevant factors. It's a crucial step in planning for your retirement.

If you’ve moved jobs or changed address, you might have lost pension pots waiting to be found. We can help you track yours down.

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Locate Your Pension

It’s important that you’re in control of your pension savings - particularly as you approach retirement. Depending on your needs and the kind of pension you have, it could make sense to consolidate and transfer to one easy-to-manage account.

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Pension Consolidation

Pension Wise

Pension Wise is a free, impartial government service for anyone aged 50 or over, with a UK based personal or workplace pension.

It can help you understand what type of pension you have, how you can access your savings and the potential tax implications of each option. But it isn’t financial advice.

Ask our Advice

Our team are ready to answer your questions.

Call us on 0034 951 122

Opening hours:

Monday - Friday:  9am - 6pm (CET)
Saturday: 9.30am - 12.30pm (CET)


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Retirement Planning

If you are unsure and need help making decisions, we can assist you to:

  • Make sure your investments align with your goals

  • Plan your personal budget and retirement income strategy

  • Give pension advice, including when and how to take them

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