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  #61  
Old 27.12.2015, 20:16
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Re: UK state pension, new rules after 5. April 2015

Well, I may be able to find the odd salary slip, but the collection is by no means extensive. 17 years of Swiss paperwork is enough to hang on to without adding 25+ years of UK to it too!
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  #62  
Old 27.12.2015, 20:48
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Re: UK state pension, new rules after 5. April 2015

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Yep. You have to fill in all the info for everywhere you've worked and lived ( just like the UK one) and provide documentation ( salary slips etc) to support it. So just as bad as the UK one but in French:
I never had to do that for Switzerland or any country other than the UK, and I had to do it for National Insurance only because a wrong NI number had been used on my P60s for several years. But I'd kept the P60s and the record was corrected.

There was time to do it because I filed for heating allowance first.

I have all my tax papers back to the 1960s, up until they could be done on computer. I keep thinking I should scan them and discard. My Swiss cantonal return still has to be done manually because of my nonresidence. More's the pity. I just got the bills for 2015: basically a wealth tax on Swiss assets and a tax on Swiss income. Whoever thought Switzerland was a tax haven?
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  #63  
Old 27.12.2015, 21:58
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Re: UK state pension, new rules after 5. April 2015

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I never had to do that for Switzerland or any country other than the UK, and I had to do it for National Insurance only because a wrong NI number had been used on my P60s for several years. But I'd kept the P60s and the record was corrected.
Maybe it's changed since then? My experience dares back to last month so it is very recent and that's what had to filled in although unlike the UK one you only had to fill in the start and end dates for each country of residence and didn't have to give details of every job you had there although they did request salary slips/tax returns etc as proof.
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  #64  
Old 26.04.2016, 18:57
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Re: UK state pension, new rules after 5. April 2015

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After the tax-free amount I was then taxed at 37% on the remainder.
I have now applied to get the tax refunded under the UK/Switzerland Double Taxation Convention using Form R-GB 11(860) which needs to be filled out in triplicate (there are two copies in German and one in English) and then sent to the Swiss tax authorities in Bern. They apparently confirm that one is subject to Swiss tax and forward it to the Inland Revenue.

I wonder how long this will take.....
Just in case anyone may be remotely interested....

Not having heard anything from the UK tax authorities I gave them a ring. They were surprisingly efficient. They were able to tell me that they were refunding me a large chunk of UK tax but not all of it. They told me that according to paragraph 18 of the Dual Taxation Agreement between Switzerland and the UK pension payments are to be taxed in the country in which they are paid out. So, I am liable for UK tax, but not Swiss tax.

They said they would take about 5 weeks to send a cheque (no wire transfers to foreign accounts). In the end after 5 weeks I got a form with the tax calculation on it and information that I would get the cheque in another two weeks.

In the end taking the money out of my UK pension was surprisingly easy, but just a lengthy process...
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  #65  
Old 26.04.2016, 21:02
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Re: UK state pension, new rules after 5. April 2015

Congratulations Snoopy!

My process went through quickly once I got the paperwork done. Money's flowing into my UK account monthly so apart from the pain of filling in the forms and getting various copies of certificates notarized it was quite simple and easy.
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  #66  
Old 29.04.2016, 12:43
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Re: UK state pension, new rules after 5. April 2015

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Just in case anyone may be remotely interested....

Not having heard anything from the UK tax authorities I gave them a ring. They were surprisingly efficient. They were able to tell me that they were refunding me a large chunk of UK tax but not all of it. They told me that according to paragraph 18 of the Dual Taxation Agreement between Switzerland and the UK pension payments are to be taxed in the country in which they are paid out. So, I am liable for UK tax, but not Swiss tax.

They said they would take about 5 weeks to send a cheque (no wire transfers to foreign accounts). In the end after 5 weeks I got a form with the tax calculation on it and information that I would get the cheque in another two weeks.

In the end taking the money out of my UK pension was surprisingly easy, but just a lengthy process...
"according to paragraph 18 of the Dual Taxation Agreement between Switzerland and the UK pension payments are to be taxed in the country in which they are paid out"

I am sure they are correct and that is how my pension is taxed
but
paragraph 18 seems to read differently? Quote "(1) Subject to the provisions of paragraph (2) of Article 19, pensions and other similar remuneration paid to an individual who is a resident of a Contracting State, shall be taxable only in that State."
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  #67  
Old 29.04.2016, 13:57
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Re: UK state pension, new rules after 5. April 2015

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"according to paragraph 18 of the Dual Taxation Agreement between Switzerland and the UK pension payments are to be taxed in the country in which they are paid out"

I am sure they are correct and that is how my pension is taxed
but
paragraph 18 seems to read differently? Quote "(1) Subject to the provisions of paragraph (2) of Article 19, pensions and other similar remuneration paid to an individual who is a resident of a Contracting State, shall be taxable only in that State."
Thanks for that....interesting.
But you say that you are taxed in the UK and not Switzerland either?
So the paper says one things but in practice it's the opposite?
Maybe I'll just take the dough and keep my mouth shut! :
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  #68  
Old 29.04.2016, 14:03
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Re: UK state pension, new rules after 5. April 2015

My UK pension is taxed in UK, my Swiss pension here.

"So the paper says one things but in practice it's the opposite?" So it seems?
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  #69  
Old 29.04.2016, 14:50
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Re: UK state pension, new rules after 5. April 2015

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My UK pension is taxed in UK, my Swiss pension here.

"So the paper says one things but in practice it's the opposite?" So it seems?
I found it a little odd and went back to look...lump-sum payments are handled differently:

(2) Notwithstanding the provisions of paragraph (1), a lump sum payment derived from a pension scheme established in a Contracting State and beneficially owned by a resident of the other Contracting State shall be taxable only in the first-mentioned State.

So, in my case at least, that is consistent.
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  #70  
Old 29.04.2016, 21:22
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Re: UK state pension, new rules after 5. April 2015

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My UK pension is taxed in UK, my Swiss pension here.

"So the paper says one things but in practice it's the opposite?" So it seems?
Both my partner and I receive a UK state pension paid gross into our ZKB accounts in CHF. It varies each month - mainly downwards, but it is only taxed in Switzerland. We have not completed a UK tax form for 20 years...
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  #71  
Old 29.04.2016, 22:01
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Re: UK state pension, new rules after 5. April 2015

I got a letter a couple of years ago to say I didn't need to fill in a UK return any more. In any case the total of my private and State pensions won't exceed my personal allowance.
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  #72  
Old 29.04.2016, 22:10
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Re: UK state pension, new rules after 5. April 2015

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Both my partner and I receive a UK state pension paid gross into our ZKB accounts in CHF. It varies each month - mainly downwards, but it is only taxed in Switzerland. We have not completed a UK tax form for 20 years...
Right, as I said, when I went back and checked it would appear that lump sum payments are treated differently.
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  #73  
Old 29.04.2016, 22:43
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Re: UK state pension, new rules after 5. April 2015

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Both my partner and I receive a UK state pension paid gross into our ZKB accounts in CHF. It varies each month - mainly downwards, but it is only taxed in Switzerland. We have not completed a UK tax form for 20 years...
Really? I am happy to pay my tax in the UK because of the UK personal allowance, now £10K.

Just goes to show there is no consistency anywhere

My pensions are paid net into UBS.

If you only have a UK state pension then it will be paid gross because there is no mechanism to tax it.

I have UK state pension and UK company pension and all the tax is charged to my UK company pension
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  #74  
Old 29.04.2016, 22:52
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Re: UK state pension, new rules after 5. April 2015

Don't diddle yourself - it's now £11,000.

https://www.gov.uk/income-tax-rates
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  #75  
Old 03.05.2016, 12:12
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Re: UK state pension, new rules after 5. April 2015

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Don't diddle yourself - it's now £11,000.

https://www.gov.uk/income-tax-rates
The allowance was supposed to be withdrawn for non residents, I think this may now happen from 6 April 2017
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  #76  
Old 02.10.2016, 21:20
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Re: UK state pension, new rules after 5. April 2015

Following on from previous questions I'm going to gather all the salary slips I can find and the ID papers, but I'm a bit stumped on the AVS stamp book of the insured applicant? Is that my AVS card (which at the moment I have no idea where it is) or would it be my OH's as he's the one who's paid in the pension money on my behalf? Or is it something he needs to get from his employer? And if so what about when an employer no longer exists?

I'm, as usual, very when it comes to these things.

I assume the ID papers will be birth and marriage certificates, but do they need to be notarised again? I had copies done in November last year for the UK pension claim, but knowing the Swiss I suspect they'll be "too old" to count.
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  #77  
Old 02.10.2016, 22:40
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Re: UK state pension, new rules after 5. April 2015

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Following on from previous questions I'm going to gather all the salary slips I can find and the ID papers, but I'm a bit stumped on the AVS stamp book of the insured applicant? Is that my AVS card (which at the moment I have no idea where it is) or would it be my OH's as he's the one who's paid in the pension money on my behalf? Or is it something he needs to get from his employer? And if so what about when an employer no longer exists?

I'm, as usual, very when it comes to these things.

I assume the ID papers will be birth and marriage certificates, but do they need to be notarised again? I had copies done in November last year for the UK pension claim, but knowing the Swiss I suspect they'll be "too old" to count.
I can only say what my husband did this year. He had no salary slips from any of his jobs in the UK so didn't provide anything from earlier than 1989. The pension place in Geneva will contact all foreign pension departments in any case so they will know what contributions you have made overseas.
I don't think we were asked for an AVS stamp book and we certainly didn't provide one, in fact I think the only thing we provided was the AVS number.

The certificates certainly didn't need to be notarised at all, a simple copy of all birth and marriage certificates ( for both spouses and all children) and passports was all that was required.

The Swiss pension came through very quickly without any hassles apart from the complexity of the original form.
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  #78  
Old 03.10.2016, 09:15
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Re: UK state pension, new rules after 5. April 2015

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I'm a bit stumped on the AVS stamp book of the insured applicant? Is that my AVS card (which at the moment I have no idea where it is) or would it be my OH's as he's the one who's paid in the pension money on my behalf?
The stamp book is AFAIK the old style AHV/IV card which is no longer in use.
If you can not find your AHV card get a new one (I never got my new one):
https://www.ch.ch/en/ahv-card/

Edit: the stamp book. (AHV Markenheft) was an earlier retired form of AHV bookkeeping used for some purposes decades ago.
Looks like it was used for students till 1996. It is known as Form 318.130 or Form 318.131
http://www.bsv.admin.ch/vollzug/stor.../1174_4_de.pdf

Last edited by aSwissInTheUS; 03.10.2016 at 09:32.
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  #79  
Old 03.10.2016, 09:51
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Re: UK state pension, new rules after 5. April 2015

Well, the OH's is a grey card type which he got 18 years ago when he first started working here. Mine would be the same. Nothing like the examples shown in that PDF link though.
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Old 22.12.2016, 14:54
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Re: UK state pension, new rules after 5. April 2015

How's that for fast service. Finally sent off the paperwork for the Swiss pension on the 13th December, a week before my birthday, a heard back today on the amount to be paid starting in January. Not a lot, but every little bit helps.
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