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Transfer UK Pension to Spain Service
Specialist Pension Advice for British Expats Living in Spain
At Titan Wealth International, we provide a dedicated pension transfer service for British expats living in — or retiring to — Spain who want to optimise their UK pensions for life abroad.
Transferring a UK pension is a significant financial decision. It requires careful consideration of tax residency, long-term objectives, and investment strategy. Our role is to simplify this process and provide expert, compliant advice tailored to your needs.
The only international firm with dual accreditation, as a CISI Chartered Status Firm and a CII International Professional Partner Firm.
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Who This Service Is For?
01
You’re a British expat living in Spain and want greater control over your UK pension.
02
You’re relocating to Spain within the next 12–24 months and want to get ahead with your financial planning.
03
You hold one or more UK pensions — including defined benefit, defined contribution, or personal pensions — and want to understand your options.
04
You’re seeking improved tax efficiency, investment flexibility, and long-term retirement planning aligned to life in Spain.
* Please note that we cannot transfer your UK State Pension or most public sector pensions, unless you are a member of the Universities Superannuation Scheme (USS) or a Local Government Pension Scheme (LGPS).
How We Can Help You
Our UK Pension Transfer to Spain service is tailored to your personal goals, financial situation, and cross-border requirements. Here’s what we deliver:
Assess your pension suitability
We determine whether transferring your UK pension is appropriate based on your timeline, objectives, and risk profile.
Recommend the right solution
Whether an International SIPP, a QROPS, or staying with your existing scheme — we’ll recommend the most suitable structure for your needs.
Deliver cross-border tax planning
Your advice will be fully compliant with UK and Spanish tax rules, factoring in local regulations and double taxation agreements.
Coordinate the full transfer process
We liaise with trustees, manage the paperwork, and handle the entire process — so you don’t have to.
Advise on currency and investments
We tailor your pension to a euro-based lifestyle, supported by diversified global investment portfolios.
Incorporate your transfer into a full retirement plan
We consider how your pension fits into a broader retirement strategy — aligned to your full asset base, income needs, lifestyle goals, and tax profile.
Future-proof your finances
All of your ongoing financial planning, investment management, and retirement structuring needs can be taken care of through one expert relationship — wherever life takes you.
Benefits of Transferring Your UK Pension to Spain
A professionally structured pension transfer can offer more than convenience — it can deliver long-term financial advantages and peace of mind.
Tax Efficiency
With the right structure, you can benefit from Spain’s tax treaties with the UK and explore potential exemptions or reduced rates under applicable local tax frameworks.
Simplicity
Consolidate multiple pensions into a single, manageable solution. This allows for easier administration, improved oversight, and a more coherent retirement income plan.
Currency Flexibility
Minimise exchange rate risk by aligning your income with your cost of living in euros — helping protect your spending power in Spain.
Tailored Investment Strategy
Access globally diversified portfolios tailored to your retirement goals, risk appetite, and timeline — giving you control over how your pension is invested.
Ease of Accessing Your Funds
Eliminate the effort, delays, and hidden costs of remitting money between countries. Receive income in the currency you spend and where you live.
Estate Planning Flexibility
Pensions passed to a spouse or civil partner are typically exempt from UK inheritance tax. While new rules may increase exposure for other beneficiaries, pensions still offer control and planning opportunities within your wider estate strategy.
Book Your Complimentary UK Pension to Spain Transfer Call
In this free 15-minute call with a cross-border pension transfer specialist, you’ll:
- Discuss what options might exist based on your specific pension schemes, timeline, and goals.
- Learn how our pension transfer process works — including costs, timeframes, and what’s involved at each stage.
- Understand the factors that will determine whether a transfer is right for you and what next steps to take.
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$48b+
Assets Under Management & Advice
75k+
Individual Clients Globally
18+
Financial Regulatory Licenses
1.3k+
Employees Globally
25+
Offices Globally
200+
Institutional Clients
Why Titan Wealth?
Dedicated Pension Transfer Advisers
Work with a UK pension transfer specialist who will analyse your existing UK pensions and provide side-by-side comparisons with QROPS, International SIPP, or UK-based options. Your advice is delivered in the context of a wider retirement plan – built around your total asset base and long-term goals.
Holistic Financial Planning
Future-proof your finances with a team that supports you not only in Spain – but wherever life takes you. We provide fully integrated financial planning, wealth management, and retirement advice for expats worldwide.
Transparent Fees
We believe in complete transparency. You’ll receive clear, straightforward information on costs from the outset — so you always understand the value of the advice and service you’re receiving.
What Our Clients Say
Daniel has been managing my UK pension and longer-term financial planning needs for over three years now. He is genuinely a consummate professional, always acting with integrity and professionalism... Read Full Quote
Wealth Management crossing multiple borders - William is a expert in is field with balanced advice resulting in agile and efficient execution of well planned strategies. The service received by... Read Full Quote
As someone who is extremely skeptical about financial advisers and whose interests they are really looking out for, I received Andreas's initial approaches to handle my affairs with extreme suspicion... Read Full Quote
A colleague recommended James from Titan Wealth International to me when I was looking to consolidate various pension plans that I had at the time. I have been very impressed with his advice and... Read Full Quote
I have become a client of William’s this year as part of transferring my UK pension. What has impressed me during the last 10 months, is the time investment William puts into building a client... Read Full Quote
How Our UK Pension to Spain Service Works
A step-by-step process designed for clarity, compliance, and confidence.
Book a free call with a UK cross-border pension transfer specialist to learn:
- Whether you qualify for a UK pension transfer.
- Which transfer options — such as a QROPS or International SIPP — may be right for you.
- The pros and cons of transferring based on your goals and timeline.
We contact your UK pension providers directly. With your permission, we’ll reach out to the trustees of your UK pension schemes and gather all the technical and financial details we need — so you don’t have to. We’ll also track down any lost or forgotten pensions you’re struggling to find, ensuring nothing gets left behind.
Once we have your pension information, your dedicated cross-border adviser will work with you to understand:
- Your current financial position (via a secure questionnaire).
- Your long-term plans: where you’ll live, expected lifestyle costs, and when you want to retire.
- What does financial independence mean to you, and how does your pension fit that vision?
Receive your personalised transfer report — free of charge
You will receive a detailed, FCA-compliant personalised pension transfer assessment report with:
- A full financial snapshot, including projected future income.
- Clear side-by-side comparisons: staying with your UK pension vs transferring it.
- A professional recommendation: whether a transfer makes sense — and which structure suits you best.
Transfer Your Pension — Or Walk Away Without Obligation
If we recommend a transfer and you choose to proceed, we’ll manage the entire process on your behalf – including paperwork, provider coordination, and investment setup. If a transfer isn’t right for you, or you decide not to proceed, you walk away without charges.