International SIPP

As a UK expat living in the USA, you might find out that your UK pension can’t be managed anymore and there might be further restrictions on the account.

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International SIPP

What is an International SIPP?

Discover the benefits of an International SIPP for expats and non-UK residents seeking to manage their pensions seamlessly across borders. With an International SIPP, you can effortlessly transfer and consolidate your UK pension benefits to your new country of residence while ensuring compliance with UK regulations.

Enjoy the flexibility of accessing regular or variable income through flexi-access drawdown while keeping your investments intact. Plus, unlike traditional pension schemes, there’s no obligation to purchase an annuity.

Why use an International SIPP as a Non-UK resident?

An International SIPP presents an optimal solution for British expats navigating the complexities of managing their pensions abroad. Beyond its convenience, this versatile platform empowers expats to diversify their portfolio with assets meticulously crafted for international clients. Whether investing in stocks, bonds, or other financial instruments, the International SIPP accommodates various currencies, enabling expats to capitalize on global opportunities while safeguarding their investments under the vigilant oversight of the Financial Conduct Authority (FCA) in the UK.

Key Info


Most expats can open an International SIPP, whether employed, self-employed, not working or retired.

Benefits of an International SIPP

Most expats are able to open an International SIPP, whether employed, self-employed, not working or retired. What is important to note is that where you have your main home will determine the tax treatment of contributions into the pension scheme.

If you’re still a UK taxpayer, you’ll get pension contribution relief on the money set aside for retirement; and if you’re a tax resident elsewhere, you can still have a SIPP but without tax relief on your contributions. Importantly, in either scenario, you can drawdown in any country but it’s important to check what Dual Taxation Agreements (DTA) are in place with the UK and the country that you are residing in with your financial adviser.

If you eventually plan to return to the UK, an International SIPP may be still suitable for you. However, if you’re planning to retire abroad, a SIPP may not be the most appropriate pension solution and a QROPS may be more suitable.

Advantages of an International SIPP

The benefits of an International SIPP are numerous and offer a much wider range of investment choice and flexibility compared to standard pensions, and also grow free of capital gains tax or income taxes. Another big advantage is you can hold your UK pension capital in all major currencies, so you can slowly convert your GBP pension capital into the local currency ready to start drawdown without the monthly currency risk.SIPP pension investment vehicles typically may include mutual funds, investment trusts, GILTS, UK and Overseas stocks and shares, unlisted shares, Insurance bonds, OEICS and unit trusts, exchange traded funds (EFTS) but also property or land.

SIPP pension investment vehicles typically may include:

Flexible Access


Tax Relief

Extensive Investment Options


Low Cost

Safety, Protection & UK Compliance


Payments Gross of UK Tax

Investment Options

Which are the most appopriate for you?

International SIPP v. QROPS

Like an International SIPP, a QROPS (Qualifying Recognised Overseas Pension Scheme) is aimed at expats with existing UK pension rights. The main difference is QROPS are typically more suited to those who have a large pension pot (i.e. close to the Lifetime Allowance, currently £1,073,100 for 2022/2023) as they may help mitigate future tax liabilities for exceeding the allowance when you come to draw benefits.

International SIPP Comparison - Fees

Novia Global International SIPPMomentum International SIPPThe Sovereign International SIPPSTM International Pension PlanIVCM Heritage SIPPThe Harbour International SIPP
Setup Fee£0£300£300£150£150£249
Annual Fee£180 (PA)
(charged £45 per quarter)
£500 (PA)£300 (PA)£150 (PA)£100 (PA)£450 (PA)
Establishment of benefits fee£200£250£250£130£250£150
Income drawdown fee£150 (PA)£100 (PA)£100 (PA)£130 (PA)£300 (PA)£150 (PA)
Termination Fee£0£250£250£155£995£499
Able to facilitate insistent clientsNOYESYESYESN/AYES

All pricing will be + VAT if you reside in the EU. PA= Per Annum.

Up to x3 cheaper than the average International SIPP as shown in our International SIPP Comparison blog post.

Want to find out more?

The Process

How to transfer an existing pension into an International SIPP

Transferring your current pension into an International SIPP is generally relatively simple, yet it’s crucial to ensure a precise and cost-effective transfer into an officially recognised and endorsed platform.

Honest, impartial financial advice

Locally & globally fully regulated to the highest standards with US, UK and EU qualified financial advisors. This means you can rely and trust Harrison Brook USA as your perfect financial partner.

Quality Financial Products

Harrison Brook USA offer quality expat financial products and services to expats globally from the world's largest and leading banking institutions and fund houses.

Transparent Financial Advice

Initial consultations are free and without obligation and all product fees are visible - either on a fee or a commission based model.


Our online advice system reduces our costs and fees allowing us to provide expats access to the largest range of and best value international financial products and services.


With Harrison Brook USA there are no restrictions on client locations and you can continue to access and use our services no matter where you live or move next.

Proven Performance

Many of our clients have been with Harrison Brook for several years and recommend us to their friends, family and colleagues.

What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.


  • "I found my personal private client adviser Ryan Frost to be very efficient, knowledgeable and helpful. I will not hesitate to recommend his services to others."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "I would definitely recommend Harrison Brook to other people. My experience in working with our financial advisor was extremely positive. Speed of response and the level of attention to our needs and requests was great. Administration support was flawless."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "It's a nerve-wracking thing to entrust your life savings to a person and company you have never met before. Ryan made the process easy. It was calm, I felt in control and was able to asks and get answers to all the questions I had. I am now all set up with my International SIPP and couldn't be happier."

Harrison Brook has a 5 star independent service rating on Feefo

One of our expert financial advisers will aim to get back to you within 12-24 hours.