Transferts de pensions au Royaume-Uni

Grâce à nos liens étroits avec le Royaume-Uni, nous avons une grande expérience des tenants et aboutissants des transferts de pension. Cela signifie que nous sommes bien placés pour vous aider à réaliser le vôtre.

Transferts de pensions au Royaume-Uni

Grâce à nos liens étroits avec le Royaume-Uni, nous avons une grande expérience des tenants et aboutissants des transferts de pension. Cela signifie que nous sommes bien placés pour vous aider à réaliser le vôtre.

Le transfert de pension vous convient-il ?

Le transfert de votre pension britannique à l'étranger présente de nombreux avantages. Toutefois, il peut s'agir d'un processus complexe qui nécessite l'avis d'un spécialiste. En ce qui concerne les régimes à prestations définies (PD), la législation britannique exige que vous preniez conseil avant de céder votre pension PD si vous recevez une valeur de transfert supérieure à 30'000 GBP. Tous les conseils advice must come from a Financial Conduct Authority (FCA) authorised firm. 

We know how to get your pension transfer done as seamlessly and efficiently as possible.

Vous avez trois grandes options en matière de prestations de retraite au Royaume-Uni :

  • Laissez vos fonds de pension au Royaume-Uni

    Ne touchez pas les fonds et laissez-les là où ils sont

  • Transfert vers un SIPP international

    Une pension personnelle internationale auto-investie restant soumise aux règles britanniques

  • Transfert vers une QROPS

    Un régime de pension étranger reconnu (enregistré auprès du HMRC et généralement disponible à partir de 55 ans)

Why Transfer Your UK Pension?

The benefits of a pension transfer differ from person to person. Our highly experienced Advisers are here to discuss your options and assess whether transferring your UK benefits is the right move for you.

The first step in the process is for Patterson Mills to produce your Transfer Suitability Pack. This enables you to decide whether or not considering a transfer of your UK pension benefits might be worthwhile and why.

Our service allows you to benefit from:

  • 1. Consolidate your schemes under one roof

    Simplify your pensions by having 24x7x365 access all in one place. This provides flexible convenient administration on an ongoing basis.

  • 2. Receive regulated advice in the relevant jurisdiction

    You will be able to receive quality investment management and planning advice wherever you may be, under that jurisdiction.

  • 3. Avoid exchange rate risk

    Move your funds into your relevant currency and avoid the worry of how Sterling is performing, with access to global investment strategies; not only UK-centric ones.

  • 4. Establish control of investment choice

    Being regulated Financial Advisers, we are able to recommend suitable investment choices, tailored to you and your regulatory jurisdiction.

  • 5. Freedom from UK rules

    If eligible, a QROPS can still be used. These are overseas pensions that are no longer governed by UK legislation after a grace period following transfer to your own regulatory jurisdiction. This would protect you from future changes to UK rules.

Nous vous recommandons vivement de nous contacter et de prendre rendez-vous pour un premier entretien gratuit et sans engagement afin de découvrir comment vous pouvez en bénéficier dès aujourd'hui.

Nous Contacter

Régimes de retraite reconnus à l'étranger (QROPS)

A Qualifying Recognised Overseas Pension Scheme (QROPS) is an overseas pension scheme that has notified HMRC that it meets the requirements to be treated as a Recognised Overseas Pension Scheme (ROPS) under UK tax legislation.

This means the scheme must confirm to HMRC that:

  • The scheme satisfies the conditions to be a recognised overseas pension scheme, including that it is established outside the UK and is broadly similar in purpose to a UK-registered pension scheme
  • The scheme agrees to comply with HMRC reporting requirements, including providing information on certain payments, transfers, and changes in the scheme’s status for a prescribed period
  • The scheme will notify HMRC if it ceases to meet the conditions to be a recognised overseas pension scheme or if there are material changes affecting its status
  • The scheme has not been excluded by HMRC from the published QROPS list. HMRC may remove a scheme from this list if it fails to meet the required conditions or reporting obligations

Inclusion on the HMRC QROPS list does not constitute formal approval by HMRC, and the responsibility for meeting the relevant requirements rests with the scheme manager.

Although a scheme may be listed as a QROPS, local tax, regulatory, or legal restrictions in the receiving jurisdiction may affect whether a transfer can be accepted and how benefits are taxed.

Transfers from a UK-registered pension scheme to a QROPS may be subject to the Overseas Transfer Charge unless specific exemption conditions are met, such as where the individual and the QROPS are in the same country or within the European Economic Area.

Related pages

Retraites         Service des expatriés Australiens         Service pour les expatriés Américains         Comptes de libre passage         Vested Benefits Transfers