Can I still pay contributions to my pension if I no longer live in the UK?
Updated 22 March 2024
Yes, if you have an existing Retiready pension you can still pay contributions to your pension if you don't live in the UK.
The limit on personal contributions for tax relief purposes is the greater of £3,600 gross a year and 100% of your relevant UK earnings in that tax year.
If you don’t have relevant UK earnings when you move abroad (i.e. if your earnings are being paid and taxed overseas), then you’ll only be able to receive tax relief on personal contributions of up to £3,600 gross a year for five full tax years following the tax year that you moved abroad.
We can’t accept any new money, like lump sum payments, transfers or increases to any existing regular contribution. You must be habitually resident in the UK to complete any of these transactions.
The tax treatment depends on the individual circumstances of each client and may be subject to change in future.
This information is based on our understanding of current taxation law and HMRC practice, which may change. The value of any tax relief will depend on individual circumstances.
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