if your pension’s still in the UK



Change is constant, with governments always meddling with rules, and markets changing.  Here are the five most important things that have happened since we last spoke:

  1. The introduction of the “Overseas Transfer Charge”
    This is a 25% charge that is taken from your UK pension if you transfer it to a country that you are not living in.  It also applies if you leave a country within five years of having transferred your pension there
  2.  Transfer values of defined benefit schemes are the highest they have ever been
    The continued uncertainty in the UK has driven down bond yields in the UK to historic lows, and long story short this has pumped up transfer values.  By how much, some have risen 20% in the last year alone.
  3. UK FCA advice is now complusory for some transfers
    This means another layer of cost and complexity for defined benefit pension transfers. 
  4. Pensions freedom is extended to QROPS
    This means that you can enjoy the same ability to access your funds at 55 years old as those in the UK.  Subject to a few limiations this gives you more control over your retirement.
  5. KiwiSaver schemes cannot accept pension transfers
    This is because they cannot meet the rules set down by the HMRC in the UK.  So it rules out all pension transfers to these schemes.




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UK pension and what it means to leave it or transfer it


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straightforward and painless

Until now I'd imagined my UK pension funds being locked away behind all manner of firewalls and bureaucratic hurdles to access on retirement. Before committing the one surviving official document of my English OE to the bin - a single page detailing my private pension details - I contacted you out of curiosity. The result feels a little like winning lotto.

Peter W

very stress free

Thank you Cambel for your help and guidance throughout this process in getting my pension transferred (very stress free for me). It is greatly appreciated and I would certainly recommend you and Charter Square to others who are interested in transferring their pension.

David R, New Zealand

You guys rock!

I just wanted to say a great big thank you to you and your team. You are all totally awesome. I received a cheque yesterday from the Prudential to apologise for the ‘recent inconvenience’ that I had experienced. Thank you for doing this for me. You guys rock!

Noelle B, New Zealand

professional, insightful

Charter Square were professional, insightful and a pleasure to work with. They rose to the challenge of consolidating my overseas pensions and bringing them home with minimum fuss for me and maximum effort on their part.

Jens H, New Zealand

thorough, professional and prompt

Very thorough, professional and prompt service from the team at Charter Square. Thanks for making the bewildering world of pension transfers super simple.

Jules T, New Zealand

Best party to deal with

Thank you kindly for keeping in touch with me. For now, I will not be moving my pension. I will however be keeping your details and referring back to you when I wish to pursue. You by far are the best party to deal with, no nonsense, professional and in my opinion genuine. I do sincerely thank you for your advice to date.

GE, New Zealand


Securing the freedom to use savings that are actually ours to work with has been stressful in the extreme. While I never planned on giving up there were many times when the current (UK) holder made the whole process seem well beyond my determination and ability. It’s easy to look at the 36 month history of this claim with the benefit of hindsight, but the conclusion is that employing Charter Square in the first instance would have been wise had I been able to anticipate the red-tape that appears to have been deliberately created to stall access.

CP, Auckland