British · Living in France · UK pension
Your UK pension
could be taxed at
7.5%
in France
A little-known provision in French tax law may allow it. It can be used once, it closes permanently the moment you draw any income, and the 7.5% is only half the calculation.
Could you pay less tax on your UK pension — and what happens in April 2027?
French income tax on pension income — indicative
Illustrative only. The 7.5% rate applies to a specific one-off election, subject to conditions. Social charges are assessed separately — see below.
Where you're taxed
Private, workplace, government and State Pension are each treated differently under the UK–France treaty.
The 7.5% rule
Who qualifies, how it's claimed, and the situations where taking it is the wrong decision.
Form S1 & social charges
The 7.5% is income tax only. One form decides whether roughly 9% in social charges applies on top.
April 2027
UK rule change
Changes to how UK pensions are treated for inheritance tax are expected from April 2027. Decisions made before then may not be reversible afterwards.
8 pages · no charge · no obligation
Guide cover
Inside — the guide
Eight pages.
Read it once.
- Page 3Your four options — and why two of them are generally closed to a French resident before the conversation even starts
- Page 4Leave it or move it, compared line by line: drawdown, consolidation, lifestyling, investment choice, and who can actually advise you
- Page 5The 7.5% flat-rate route — what it could give you, the four conditions it requires, and the two things it permanently gives up
- Page 6Where each pension is taxed under the UK–France treaty, and the Form S1 that exempts you from social charges entirely
- Page 7Six questions to put to your scheme — and six warning signs that mean you should end the conversation
Send me the guide
Eight pages, straight to your inbox. No cost, no obligation, no product pitch.
Hero image
10 years
Advising expatriates
99.65%
Client retention rate
MiFID
CNB regulated