If you've worked in the UK and built up National Insurance contributions, you're entitled to receive your UK State Pension even if you live in Spain. The application process is straightforward, but it requires careful attention to detail. This guide explains what you need to know as a British expat in Tenerife.
When Can You Claim Your UK State Pension?
State Pension age is currently 66 for both men and women, and it's gradually increasing to 67 by 2028. You can check your exact pension age and estimated amount on the UK government website.
You should apply approximately 4 months before you reach State Pension age to ensure payments start on time.
How to Apply from Spain
The application is made through the UK's International Pension Centre, which handles pensions for UK nationals living abroad. You can apply by post or phone, providing proof of identity (passport, TIE card), National Insurance number, and bank account details for payment.
Will Your Pension Increase Each Year?
Yes! UK State Pensions paid to residents in the EU (including Spain) are uprated annually in line with the UK's "triple lock" system, meaning your pension keeps pace with inflation.
Spanish Tax on UK Pensions
Your UK State Pension is taxable in Spain under the UK-Spain tax treaty. You'll need to declare it on your annual Spanish tax return. Consider consulting a tax advisor familiar with expat finances.
We Help with Applications and Queries
We assist with completing UK pension forms, translating documents for Spanish authorities, and liaising with the International Pension Centre. If you're also applying for unemployment benefits or need help with social services, we can coordinate all your applications.