Pension to Australia Free Pension Guidance Begin your assessment →
UK · US · CANADA → AUSTRALIA

You're moving to Australia. Your pension isn't coming with you — not automatically.

Most people leave it behind and deal with it later — unsure whether to move it, leave it, or if that's even possible.

The moment you become an Australian tax resident, it sits inside two rulebooks at once — the one you left, and the ATO's. Get the timing wrong and that delay has a real cost.

This free assessment checks your specific pension against the current rules in both, so you know exactly where you stand before you decide anything.

Begin your assessment → Why your planner comes first
1st & 15thHMRC ROPS list republished
£30,000UK advice trigger, DB schemes
6 monthswindow before AFE tax applies
Freeno obligation · your data is never sold
Free Assessment

See where you actually stand.

Three steps, about two minutes. The date and cap figures below are computed from what you enter, against this year's real thresholds — nothing here is a canned example.

01Your situation
02Your reading
03Next step
Not sure? Your annual statement will say. Most workplace pensions from before the 2000s are defined benefit.
If you haven't moved yet, use your planned arrival date.
The Governing Fact

By law, this isn't a one-adviser decision.

Most guidance treats the transfer as a single Australian-side question. It isn't. The UK side has its own legal gate — and it closes before the Australian side ever opens.

§48

Pension Schemes Act 2015, s.48

Where a defined benefit or other safeguarded pension exceeds £30,000, UK scheme trustees are legally required to confirm that regulated advice — from an FCA-authorised Pension Transfer Specialist — has been obtained before any transfer can proceed. This is not our recommendation. It is a precondition the scheme administrator must verify, whoever you choose to work with.

Pension to Australia doesn't require you to use anyone. If it would help, we're glad to introduce you to a trusted, CA-qualified Australian planner — the person who'll actually be handling this for you, day to day, once you're here. Where a case needs the UK signature too, your planner coordinates that as part of the process, rather than you managing two separate relationships. Entirely up to you either way.

01 Your point of contact

An Australian planner confirms fund eligibility, structures the contribution against this year's caps, manages the Applicable Fund Earnings position with the ATO — and coordinates everything else from here.

02 The UK signature

For defined benefit schemes over £30,000, an FCA-regulated Pension Transfer Specialist must separately sign off before UK trustees release funds. Your planner brings this in only when your case actually needs it.

Read Against Live Sources

Three instruments, checked against the register — not recalled from memory.

Each of these moves on its own schedule. The reading is only correct if it's taken today.

Fund eligibility QROPS

Checked against HMRC's ROPS notification list, republished the 1st and 15th of every month. Most mainstream super funds are not on it — only specific SMSFs and purpose-built schemes qualify.

LAST PUBLISHED · 15TH OF THIS MONTH
Transfer window 128 days

From your Australian residency start date. Inside the window, growth in the UK fund transfers free of tax. Outside it, Applicable Fund Earnings become assessable income.

EXAMPLE READING · S.305-80 15% ELECTION AVAILABLE
Cap headroom $130,000

This year's non-concessional cap — three times that under the bring-forward rule if your total super balance sits under $1.84m. Reindexed most financial years.

FY2026–27 · ATO CONTRIBUTIONS CAPS
Why Not Ask A Chatbot

The facts are public. The reading is not.

Any model can recite the rule. None can hold your fund, your date, and this year's caps against the register at once.

A model answers from training

Correct on the day it was trained. The ROPS list has moved since — twice a month, every month.

STATIC

A generic calculator answers once

Takes your numbers, gives a figure, forgets you. Your six-month clock keeps running regardless.

ONE-SHOT

This reading is yours to keep

Computed against today's real figures, then saved or calendared on your terms — not re-typed into a chatbot next time you need it.

KEPT
How It Works

From first reading to (if you want it) an introduction.

Four steps, all of them free. The last is optional, and only ever at your request.

01

Lodge the particulars

Origin, scheme type, value, and the date your Australian residency began — or upload the annual statement and skip the typing.

02

Take the reading

Your intended fund checked against the current ROPS list, your window measured in days, your cap headroom sized to this year's figures.

03

Take it with you

Save your reading, or add your actual deadline to your calendar. Nothing to remember, nothing lost if you close this tab.

04

An optional introduction

If it would help, we can introduce you to independent, CA-qualified specialists — in the UK where a signature is legally required, in Australia for the transfer itself. No obligation to take it up.

For Practices

Built to arrive at your door already qualified — never forced.

Nobody is pushed toward a referral. But when a visitor asks for one, they've already had the free reading — fund checked, window measured, caps sized. Not a cold introduction.

Australian Planners — the primary introduction

Every visitor who asks for one is introduced here first, with fund eligibility, residency dates, and cap headroom already established — case-ready, not cold. This is the relationship Pension to Australia is built around.

UK Pension Transfer Specialists — coordinated, not parallel

Brought in only where a safeguarded benefit over £30,000 makes it a legal requirement, and coordinated through the Australian planner rather than as a separate introduction the visitor manages themselves.