Taxation of UK Government Service Pensions:
What You Need to Know
If you receive a UK government service pension – for example, from work in the armed forces, civil service, police, or teaching – it remains taxable in the UK only.
Even though you still report this income on your French tax return, France applies a credit equal to the French income tax and social charges that would have been due on it. In practice, this means you don’t pay tax twice on the same income.
Another advantage: Government service pensions are exempt from French social charges, which can save you significant money each year. Fill in the form to access our full guide and explore other resources that can help you optimise your retirement planning in France.
Maximising Your Retirement Income
Claiming State Pensions from Both Countries
If you have worked in both the UK and France, you may be eligible to claim state pensions from both systems. Each country will calculate your entitlement based on the contributions you made there.
Inflation Protection
One of the major benefits of UK state pensions—even when living abroad—is that they increase in line with UK inflation. This helps your purchasing power keep up with the cost of living, which is especially important for retirees on a fixed income.
You can choose to claim them together or separately, depending on whether you meet the minimum required contribution periods in each country. This flexibility allows you to tailor your retirement income to your needs.
Top Up Your UK State Pension from Abroad
Another useful option for expats is the ability to top up your UK state pension from abroad. This means you can make voluntary National Insurance contributions even while living in France, potentially boosting your UK state pension entitlement. For many retirees, this is a cost-effective way to secure a higher guaranteed income for life. You may be entitled to either class 2 or class 3 contributions, with costs being dramatically different.
For current costs and eligibility please click here
French Taxation of UK Government Pensions
Even though UK government service pensions remain taxable in the UK only, you must still report them on your French tax return. France applies a tax credit to prevent double taxation, and certain pensions are exempt from French social charges.
Check the latest French tax rates to see how your pension may be affected and ensure compliance with local rules.
See What Our Clients Say
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Simplifying UK State Pensions for Expats in France
Living in France with a UK state pension doesn’t have to be complicated. By understanding how your UK government service pensions are taxed, taking advantage of inflation-linked increases, and exploring ways to top up your entitlements, you can make the most of your retirement income.
What does the obligation free call include?
An initial 15-minute introduction call explaining our services and how we can help.
We go through a fact-finding exercise so we can then provide a full financial planning report including a personalised retirement forecast with future projections and work out how on track you are.
Lastly, we will provide a recommendation on any areas where we feel you could improve.
Who is SJB Global and meet your adviser
Our regulations, Independence and Fees
Our process from start to finish
Area we help with including:
UK Pension Advice
Retirement Planning
Investment Planning
Tax Planning
US Expat Services
International Estate Planning
Note: Minimum managed assets for SJB Global is £100,000 or currency equivalent.
Licensing & Regulations
Nexus Global specialises in providing a regulatory platform and compliance support to international financial advisers and intermediaries to enable them to meet regulatory requirements to provide their clients with a professional service. The financial advisers trading under SJB Global are members of Nexus Global. Nexus Global is a division of Blacktower Financial Management (International) Limited (BFMI). All approved members of Nexus Global are appointed representatives of BFMI. BFMI is licensed and regulated by the Gibraltar Financial Services Commission (FSC) and bound by the rules under licence number 3647: http://www.fsc.gi/regulated-entity/blacktower-financial-management-international-limited-3647.
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