State Pension if you retire abroad
Claim State Pension abroad
You can claim State Pension abroad if you’ve paid enough UK National Insurance contributions to qualify.
Get a State Pension forecast if you need to find out how much State Pension you may get.
Make a claim
You must be within 4 months of your State Pension age to claim.
To claim your pension, you can either:
- contact the International Pension Centre
- send the international claim form to the International Pension Centre (the address is on the form)
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.
Bank accounts your pension can be paid into
Your State Pension can be paid into:
- a bank in the country you’re living in
- a bank or building society in the UK
You can use:
- an account in your name
- a joint account
- someone else’s account - if you have their permission and keep to the terms and conditions of the account
You’ll need the international bank account number (IBAN) and bank identification code (BIC) numbers if you have an overseas account.
You’ll be paid in local currency - the amount you get may change due to exchange rates.
When you’ll get paid
You can choose to be paid every 4 or 13 weeks.
If your State Pension is under £5 per week, you’ll be paid once a year in December.
Delays to payments around US bank holidays
If you live abroad and your payment is due in the same week as a US bank holiday, it could arrive one day late. This is because a US company processes these payments.