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Call: 0800 011 3797


Living overseas

Living or working abroad doesn't necessarily mean that you can't build up or receive a State Pension from the UK, but it may affect the amount you receive.

To find out more about State Pensions and benefits if you live or have lived overseas, and to claim your benefits, go to www.gov.uk/international-pension-centre.

Building up UK State Pension while living overseas

If you live in or pay into the social security system of:

  • country in the European Economic Area;
  • Switzerland;
  • country that has a social security agreement with the UK.

This may help you to build up a State Pension in the UK. 


Building up a State Pension in another country

You may also be able to claim a State Pension from the country you are living in, if you are paying into its state pension scheme. You should investigate with the country where you are working.


Claiming UK State Pension while living overseas

You can receive your UK State Pension when you are living overseas. If you move overseas after you have started to receive your State Pension, and payment is made directly into your bank or building society, the payments can continue, but you should let the pension service know when you are going to leave the UK.


Receiving increases to your UK State Pension while living overseas

Your state pension will increase each year, but only if you live in:

  • the European Economic Area (EEA);
  • Switzerland;
  • Gibraltar;
  • a country that has a social security agreement with the UK that allows for increases.

If you live outside these areas (for example: Australia), you won't get yearly increases.  If you return to live permanently in the UK, your State Pension will go up to the current rate.


Frequently asked...

Where can I find out more?

If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.

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