Pensions For Expats in Spain

As expats in Spain, you deserve a pension plan that understands your unique needs. EFPG provides comprehensive, regulated pension solutions tailored for your retirement goals.

Navigate Pensions For Expats with Confidence

The pension landscape for expats in Spain poses unique challenges and opportunities. It’s important to understand how UK National Insurance contributions convert to Spanish entitlements and whether a QROPS transfer is beneficial for you. EFPG simplify the complex, clarifies the confusing, and creates pension strategies that work seamlessly across borders while optimising every aspect of your retirement income.

Expat Expertise

Helping expats in Spain with international tax, cross-border transfers, and multi-currency needs.

Competitive Returns

Discover investment portfolios designed to maximise growth while managing risk according to your retirement goals.

Clear Documentation

No hidden fees. We provide transparent, easy-to-understand documentation and regular portfolio updates.

Proven Track Record

Years of experience helping expats secure their retirement, managing assets for satisfied clients.

Comprehensive Pensions For Expats in Spain

Maximise your retirement income through strategic pension planning that minimises tax liabilities while ensuring full compliance with Spanish and international regulations. Explore our comprehensive pension solutions tailored to your needs.

UK Pension Transfers

Transfer UK pensions to Spain with QROPS or SIPP options, unlocking flexibility and tax advantages.

Spanish State Pension

Navigate Spanish social security systems, understand eligibility requirements, and maximise your state pension entitlements.

International Pension

Consolidate multiple international pension pots into streamlined solutions, reducing fees and simplifying retirement fund management.

Retirement Income

Develop sustainable withdrawal strategies that balance lifestyle needs, inflation protection, and long-term financial security effectively.

Locally Regulated Pension

Access Spanish-regulated personal and occupational pension schemes offering tax deductions, investment flexibility, and retirement security.

Estate Planning Integration

Integrate pension planning with estate strategies, ensuring wealth passes to beneficiaries efficiently while minimising inheritance taxes.

Secure Your Retirement in Spain

Ready to take control of your retirement future in Spain? We’re here to help. Book your free, no-obligation pension consultation today, and let’s explore the best options for your unique situation. Our friendly team will review your existing pensions, answer all your questions, and create a clear plan that gives you complete confidence in your retirement.

Which EFPG Pension is Right For You

Explore Our Range of Pension Solutions Designed for Expats. Every retirement journey is different. That’s why we offer a complete range of pension solutions tailored to your unique circumstances and goals.

Jubilee Personal Plan

Start building your Spanish retirement dream with our flexible personal pension plan.

Start from just €100/month
Employer contributions accepted
Potential tax relief benefits
Flexible contribution options
Regulated and secure
Managed Investments

Platinum Occupational Plan

This pension scheme is simple to establish, and provides flexible retirement benefits for your team.

Easy setup process
Cost-effective for businesses
Simplified administration
Flexible benefit structures
Employee retention tool
Full regulatory compliance

Gold QNUPS Plan

The QNUPS (Qualifying Non-UK Pension Scheme) offers unique flexibility for individuals.

Hold property in pension
Own company shares directly
No contribution limits
Advanced estate planning
Asset protection benefits
International flexibility

Diamond QROPS Plan

QROPS (Qualifying Recognised Overseas Pension Scheme) provides ex-UK residents.

Transfer UK pensions smoothly
Significant tax advantages
Greater investment freedom
Multi-currency options
Estate planning benefits
Expat-focused solution

Why Choose EFPG For Your Pension

Since 2004, EFPG has been the trusted pension partner for expats and residents across Spain and Gibraltar, helping hundreds build secure, comfortable retirement futures. We’re not just pension advisors, we’re specialists who truly understand the unique challenges expats face when planning retirement abroad.

We’re not just pension advisors; we’re expat pension specialists. That means we understand the unique challenges you face, from navigating cross-border regulations to optimising taxes across multiple countries. We’ve helped hundreds of expats just like you secure their retirement dreams, and we’d love to help you, too.

Our team speaks your language, explains everything clearly without confusing jargon, and handles all the complicated paperwork on your behalf. We’re fully regulated, completely transparent about our fees, and always put your interests first. With EFPG, you’re not just getting pension advice—you’re getting a dedicated partner who’s invested in making your Spanish retirement everything you’ve dreamed of.

Frequently Asked Questions

What pension options are available for expats in Spain?

Pensions for expats in Spain include UK pension transfers (QROPS, SIPP), Spanish state pensions, locally regulated personal pension plans, and international pension consolidation options. EFPG helps you choose the right combination based on your circumstances, maximising retirement income while ensuring tax efficiency and regulatory compliance across all jurisdictions.

Can I transfer my UK pension to Spain?

Yes, pensions in Spain can include transferred UK pension funds through Qualifying Recognised Overseas Pension Schemes (QROPS) or Self-Invested Personal Pensions (SIPP). These transfers offer investment flexibility and potential tax advantages. However, professional advice is essential to ensure suitability, compliance, and that you don’t lose valuable benefits from your existing UK pension scheme.

How does the Spanish state pension work for expats?

Pensions expats in Spain can access include Spanish state pensions after contributing to Spanish social security for a minimum period (typically 15 years for basic pension). The retirement age is 65-67, depending on contribution years. Bilateral agreements may recognise contributions from other countries. EFPG helps you understand eligibility, calculate entitlements, and maximise your Spanish state pension benefits.

What are QROPS and are they suitable for me?

QROPS (Qualifying Recognised Overseas Pension Schemes) are overseas pension schemes that accept UK pension transfers for non-UK residents. Pensions for expats in Spain through QROPS offer investment flexibility, potential tax advantages, and currency options. Suitability depends on your pension size, residency plans, and circumstances. EFPG provides expert assessment to determine if QROPS benefits your retirement strategy.

What tax do I pay on pensions in Spain?

Pensions in Spain are generally taxed as income for Spanish tax residents. Tax rates vary based on pension type (state, private, international) and amount. Strategic planning can minimise liabilities through tax treaties, allowances, and efficient withdrawal strategies. EFPG’s pension specialists ensure your retirement income is structured for maximum tax efficiency while maintaining full compliance.

Can I consolidate multiple pensions from different countries?

Yes, consolidating pensions expats in Spain have accumulated across multiple countries simplifies management, reduces fees, and improves investment control. EFPG assesses your international pension portfolio, identifies consolidation opportunities, and implements solutions that streamline your retirement savings while preserving valuable benefits and ensuring regulatory compliance across all jurisdictions.

What is the minimum contribution for a pension plan in Spain?

No, EFPG’s policies do not cover driving vehicles that do not belong to you. Ensure the vehicle owner has arranged for you to drive under their insurance terms.

How does EFPG help with pension planning for expats in Spain?

EFPG provides comprehensive pensions for expats in Spain services including pension reviews, UK pension transfers (QROPS/SIPP), Spanish state pension guidance, international consolidation, and retirement income strategies. Our regulated, multilingual advisors deliver independent, tax-efficient solutions tailored to your unique expat circumstances, ensuring a secure and prosperous retirement in Spain.