You'll usually need at least 10 qualifying years on your
You can claim and receive a UK State Pension while living overseas. But Pension Credit stops when you move overseas permanently. This is a means-tested benefit, which can top up your weekly income. Your State Pension can be paid to a UK bank or building society account, or to an overseas account in the local currency.
If you live part of the year abroad
You must choose which country you want your pension to be paid in. You cannot be paid in one country for part of the year and another for the rest of the year.
The full basic State Pension is £141.85 per week. If you have fewer than 30 qualifying years, your basic State Pension will be less than £141.85 per week but you might be able to top up by paying voluntary National Insurance contributions.
You usually need a total of 30 qualifying years of National Insurance contributions or credits to get the full basic State Pension. This means that for 30 years, one or more of the following applied to you: you were working and paying National Insurance.
If you have never worked, and therefore never paid NI, you may still be eligible for the State Pension if you have received certain state benefits, for example carer's allowance or Universal Credit.
The full basic State Pension you can get is £141.85 per week. You need 30 qualifying years of National Insurance contributions to get the full amount. You'll still get something if you have at least 1 qualifying year, but it'll be less than the full amount.
You'll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. You'll need 35 qualifying years to get the full new State Pension. You'll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.
You can only claim a UK state pension if you have paid or been credited with UK National Insurance contributions (NIC) – these are the UK's social security contributions.
What is the average retirement income in the UK? The government's most recent data (taken from 2017/18) shows the average weekly income for pensioners to be £304 – that's after you've taken away direct taxes and housing costs. This works out at around £15,080 net per year.
Other ways to apply
Applying online is the quickest way to get a forecast. If you'll reach your State Pension age in more than 30 days you can also: fill in the BR19 application form and send it by post. call the Future Pension Centre who will post the forecast to you.
You'll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. They do not have to be 10 qualifying years in a row. This means for 10 years at least one or more of the following applied to you: you were working and paid National Insurance contributions.
If you are retiring abroad, you can continue to receive your UK State Pension. You can get pension increases yearly if you live in a European Economic Area (EEA) country or a country which has a social security agreement with the UK.
Yes, you can receive tax relief on contributions up to £3,600 a year for five tax years after moving abroad.
Payments while overseas
If your payments can continue while you're outside Australia and you intend to be away for: less than 12 months, we'll continue to pay you every 2 weeks into your Australian bank account. more than 12 months, we'll pay you every 4 weeks into your Australian or overseas bank account.
If you're planning to live abroad when you retire, you'll still be able to claim your State Pension if you've paid enough National Insurance contributions to qualify.
You will not get your State Pension automatically - you have to claim it. Check if you need to claim the new State Pension instead. You can claim the basic State Pension by either: calling the State Pension claim line.
You will usually need at least 10 qualifying years on your National Insurance record to get any State Pension. You will need 35 qualifying years to get the full new State Pension. You will get a part of the new State Pension if you have between 10 and 35 qualifying years.
Although you can retire at any age, you can only claim your State Pension when you reach State Pension age. For workplace or personal pensions, you need to check with each scheme provider the earliest age you can claim pension benefits.
That means the full new state pension will rise from £185.15 to £203.85 per week (£10,600/year); the old state pension will go up from £141.85 to £156.20 per week (£8,122/year).
This could be up to a maximum of £85.00 a week. The maximum additional pension (own and inherited) is £185.90 a week in the tax year 2022/23.
Not everyone gets the same amount. How much you get depends on your National Insurance record. For many people, the State Pension is only part of their retirement income. For example, they may also have money from a workplace pension, other pension and/or earnings.
The rise means those qualifying for a full new State Pension will receive £185.15 a week (up from £179.60).
To get Basic State Pension, you need to have paid enough national insurance contributions or received enough national insurance credits.