Claiming Your UK State Pension From Overseas

If you are an expat about to retire and want to claim your state pension, you can still claim your pension by getting in touch with the International Pension centre.

It’s likely that if you have spent some time out of the UK that the government has lost track of your overseas address.

But claiming the state pension as an expat is still easy if you follow these simple steps:

If you do not receive a claim form in the post four months before your state pension retirement age, then contact the International Pension Centre about three months before you are due to retire.

Before getting in touch, check you are entitled to claim the state pension and/or the additional state pension.

Check your state pension eligibility on the official government web site

Qualifying years change

Don’t forget the state pension is changing – the old qualification was 30 years of national insurance contributions or credits, but this is rising to 35 years for men born after April 5, 1951 and women born after April 5, 1953.

You can email, call or write to the International Pension Centre:

  • Email: tvp.internationalqueries@dwp.gsi.gov.uk
  • Telephone: +44 (0)191 218 7777 between 8am and 6pm Monday to Friday (UK time)
  • Write to:

The Pension Service 11
Mail Handling Site A
Wolverhampton
WV98 1LW
United Kingdom

To have your state pension paid into a foreign bank account, you will need to give the International Pension Centre your bank identification code (BIC) and international bank account number (IBAN).

You can generally find these on your bank statements or online accounts – but your bank will give them if you ask.

Frozen pension payments

If you have lived and worked overseas, send the claim form to the International Pension Centre unless you have lived or worked in:

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden or Switzerland.

Some special arrangements also apply to someone who has lived and worked in other countries, so call the International Pension Centre if you are unsure about your state pension status.

Many expats fail to find out how much their state pension is worth once they have moved abroad. In many countries outside Europe and a few special cases, the pension payment is not index linked and remains at the level of the first payment for life.

Claiming Your UK State Pension From Overseas
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11 COMMENTS

  1. Thank you for this article.

    I think it could have been improved by pointıng out that some 45% (over 550,000) of all pensioners currently living abroad are victims of the UK government’s iniquitous frozen pension policy and do not get index linkıng.
    A mention, too, that many of the countries, like Australia, Canada and South Africa, and who are members of the Commonwealth, are among the 150 countries so affected.
    What is so unjust and unfair about the policy is, for example, that a pensioner living in Niagara Village USA who retired in 1982 on a full UK pension of GPB 28.50 per week now gets GBP 113.10 per week through the annual uprating. Compare with the pensioner who also retired in 1982 on full UK pension but lives just across the river in Niagara Village, Canada but who does not receive ındex linking. He or she ıs stıll only gettıng GBP28.50…..

  2. The article mentions frozen pension payments, then says nothing about this ongoing scandal. People need to know how the UK government treats it’s seniors. This is a constant shame that every right minded citizen should be shouting about and demanding that government end this blatant discrimination and victimisation of it’s most vulnerable citizens. Andy Robertson Fox has explained below the total illogicality of this injustice.

  3. “Many expats fail to find out how much their state pension is worth once they have moved abroad”. The reason for this is that many expats weren’t told that their pension would be frozen for life if they moved (and then retired) to certain countries. It’s only very recently, that after much publicity and criticism regarding this issue, that the DWP now puts this essential information out more publicly than previously.
    Canada is one of those 150 ‘certain’ countries, but at least Canada pays THEIR fully indexed state pension anywhere in the world – UK included. The UK however does NOT index their state pension of a retired Brit in Canada!
    Steve Webb has said that this is freeloading off other country’s taxpayers. How right he is.
    The National Insurance Fund – set up to pay for (amongst other things) state pensions is now £19 Billion in SURPLUS, and that could unfreeze British expats frozen pensions over and over and over. But Osborne wants that money – paid in by National Insurance contributors for their retirement – to be classed as General Revenue so he can use it for whatever he wants, and no questions asked.
    The whole frozen pension scandal is beyond shameful, it’s beyond deceitful or discrimination – it’s the legalized theft of a tiny 4% of all UK old age pensioners retirement. This disgusting policy must be scrapped. If any political party want expats votes in the future – it must be!!

  4. Also living abroad we’re not a strain on the NHS. Most of us get medical treatment in the countries we moved to, and that includes when we’re dying.

  5. I receive my UK pension in America. How do I get my pension tax details so I can submit them to the IRS in America.

  6. If you are currently receiving full pension rights in New Zealand and wish to return to the UK would I be entitled to receive full pension rights in the UK. I am a full citizen there. ?

  7. 4 of the six comments are just moans. Ignoring the fact that they were fully covered whilst paying they were paying taxes. And, it’s the elderly who decided Brexit. Consequences follow.:)

  8. i just applied and was turned down as i only worked 5 years yet i know of about 6 others people who had the same amount of years as i who got something including my sister who lives in SA and why did they get and yet i didnt

  9. Me and Spouse refused overseas pension. Claimed born in Scotland NOW INDEPENDENT and You or Your wife not Muslims BUT Scottish Presbyterians.. Told to shoot my wife for 39 years as she will never be paid. Sent to Glasgow tribunal and SNP. Hope they see sense.

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