UK Pension Transfer

If you have a UK pension and are considering retiring abroad, we can help. We offer advice on how to protect and grow your wealth, while also minimising any tax liability.

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We can help you with your UK pension transfer overseas and give you access to your money across Europe and the rest of the world. Harrison Brook are pension experts offering free consultation on UK pensions transfers for British expats.

Benefits of UK pension transfers for expats

  • Consolidate your pensions into one pot
  • No annuity purchase necessary
  • Full pension access available on all SIPP and certain QROP schemes
  • Your entire pension fund can be left for beneficiaries, tax-free
  • Wider range of investments to choose from – for capital growth or investing for generating income
  • Tax-free lump sum
  • Removal of Inheritance Tax
  • Receive pension income free from UK income tax (QROPS)
  • Transparent charges (Harrison Brook work a on fee basis rather than commission)
Want to transfer your pensions?


The two main options when looking to transfer your pension abroad: QROPS (Qualifying Recognised Overseas Pension Scheme) or SIPP (Self Invested Pension Plan).

Qualifying Recognised Overseas Pension Scheme (QROPS)

Often the preferred option for international pension transfers, but no longer governed by UK regulations, QROPS is an international pension plan. QROPS are typically more suited to those who have a large pension pot (i.e. close to the Lifetime Allowance) as they may help mitigate future tax liabilities for exceeding the allowance when you come to draw benefits.

Self Invested Personal Pension (SIPP)

A flexible personal pension, but with wider investment powers so you have greater control over your future. An international SIPP allows you to transfer and consolidate a UK pension easily to your new home abroad while retaining the protection of UK regulations.

How to decide on the best option for you

When you’re making important decisions about your financial future, getting the right advice is crucial. A good regulated cross-border financial adviser will save you both money and hassle. The initial consultation should always be free with no obligation and they should be upfront about the costs of their service. Whether you opt for a commission-based model or a set fee, you want to avoid any nasty surprises so don’t be afraid to ask for references and testimonials.

Unsure on the best option for you?

Pension Transfer FAQ

For more information on this service/blog, please watch our FAQ video below. You can also find more video guides on expat financial planning on our YouTube channel.

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What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.


  • "From my first contact with Jack Camille I was impressed by the service of Harrison Brook. Advice was clearly given after an in-depth financial review. Advice was very clearly outlined and came with regular reviews of progress. Excellent service all round."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "James was able to instantly build rapport, while he guided me through the process of opening an account. This is my first account of this nature, and I had countless questions. James patiently explain things in a way which was easy to understand, while still listening to what I had to say. I really appreciate his insight."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "My financial knowledge is very limited but I knew I had to do to invest somewhere. I found the market scary and intimidating. I think really its a mine field. I am very grateful for finding Harrison Brook as they have been outstanding. From the very start they have guided me through the process in an honest and transparent manner explaining every step. Even after a lot of hesitation on my behalf. I don't think I could be happier with the first 6 Months. James Rayburn has been a class act answering all my interrogations patiently and professionally. I would recommend him and Harrison Brook to friends and family. The advice I have received has been very financially rewarding. I look forward to working with Harrison Brook and James for a very long time. Probably one of the best decisions I have ever made."

Harrison Brook has a 5 star independent service rating on Feefo

One of our expert financial advisers will aim to get back to you within 12-24 hours.