UK State pension guide

A guide for expatriates who have left the UK and have questions about their UK State Pension.

This in-depth guide includes:



You can still claim any State Pension you are eligible for if you have moved abroad. Furthermore, if you move overseas after you have started to receive your State Pension, and payments go 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.


You can fill in gaps in your National Insurance record by making voluntary contributions. Voluntary contributions allow you to pay for any gaps in your National Insurance record and boost your entitlement to the UK State Pension.

April 2025, the government’s initiative will end, which enables individuals to supplement any missing periods in their national insurance history.
Those eligible may make the most out of their savings by investing in state pension top-ups to ensure that the maximum benefit forms part of their retirement income.

Until then, individuals can access data that provides a decade of coverage, starting with the 2006/07 year and close any contribution gaps in this period. 

Hoxton Capital offers you a FREE independent retirement planning consultation so that you can understand the relevance and value of the UK State Pension in relation to your retirement plans.

Our team of UK-qualified chartered financial planners will unpick the complexity of all the calculations around this, run a cost-benefit analysis of any voluntary contributions, and help you to understand your tax position.

In addition to the UK State Pension analysis, they will also provide a full review of your retirement planning situation, factoring in all other assets in your portfolio that may contribute to your income in retirement. This will enable you to clearly understand where you stand compared to your retirement goals and expectations.

All the things you need to know

This guide was created by our qualified pension advisers. Our advisers are some of the best in the world and understand the pains of having assets split worldwide. They have put together this easy-to-follow guide to help and inform all UK expatriates who may have questions about their UK State Pension.

This guide was last updated in March 2023.

How can we help you?

If you would like to speak to one of our advisers, please get in touch today.

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