Does Gibraltar Provide a Unique Retirement Planning Opportunity for UK Nationals Abroad? | Fiduciary Wealth

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Contributor: Fiduciary WealthCitizenship: UK NationalsLast Update: 27/10/2025

Does Gibraltar Provide a Unique Retirement Planning Opportunity for UK Nationals Abroad?

3 February 2021

UK nationals looking to move to Gibraltar from the UK can take advantage of a benign tax environment. A UK pension transfer into a Gibraltar QROPS would significantly reduce the tax payable on any pension drawdowns to just 2.5%.

Read more about QROPS here: https://www.fiduciarywealth.gi/what-we-do/our-services/qrops

But there are other significant advantages to consider such as:

The ability to pass on the member’s remaining pension assets to nominated beneficiaries without being subject to inheritance tax on the member’s death over the age of 75. In the UK this would trigger a tax charge at the beneficiaries marginal rate of tax.

Not being subject to UK lifetime allowance limits would mean avoiding a tax charge of 25% on pension benefits in excess of the allowable limit if drawn as income or 55% if drawn as a cash lump sum.

Gibraltar offers compelling tax advantages to UK nationals looking to retire abroad. Get in touch today about your retirement needs via +44 207 998 0570 or e-mail enquiries@fwm.gi.

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