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Old 14.01.2017, 01:30
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transfer UK state pension contribution to Switzerland

Hello,

I came to Switzerland very recently from the U.K. .In the U.K. I made N.I. contributions. A part of NI contributions are allocated for public healthcare and another part is allocated for pensions.

The U.K. has a pay as you go public pension system, so this is not about a transferring assets from a defined contribution fund (like a U.K. private pension fund). From my understanding Pillar 1 functions in a similar way.

My question is how can I transfer the credits/years of contributions from the U.K. to Switzerland? I know that e.g. this is possible within the EU (to transfer credits from one country to another).

The U.K. is still in the EU (though on its way out) and Switzerland has many bilateral agreements with the EU, would someone know if the above is possible? if so, what is the process that should be followed?

Best,
K
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Old 14.01.2017, 08:18
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Re: transfer UK state pension contribution to Switzerland

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...A part of NI contributions are allocated for public healthcare and another part is allocated for pensions...
Point of order, perhaps a little pendantic, but this is what successive UK governments would like you to believe. In fact, NI contributions - employers' and employees' - go into the same general tax pot as income tax.
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Old 14.01.2017, 09:55
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Re: transfer UK state pension contribution to Switzerland

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I know that e.g. this is possible within the EU (to transfer credits from one country to another).
No that is not the case. For the moment it is possible to have your UK contributions taken into account in calculating your maximum pension, should you fail to qualify for a full pension in any jurisdiction. See the pension website of any member state for details of how it is done.

Given the current situation and the fact that the U.K. allows on going voluntary contributions it is worth investigating this option.

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The U.K. is still in the EU (though on its way out) and Switzerland has many bilateral agreements with the EU, would someone know if the above is possible?
No see above.
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Old 14.01.2017, 10:47
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Re: transfer UK state pension contribution to Switzerland

Your UK state pension will be frozen until you reach pensionable age. You will start another state pension in Switzerland (AHV 1st column).

When you reach pensionable age (about 80 if you are in your 20s now) you will draw two pensions both paid either in £s in the UK or CHF here.

Important: you should ask the UK people for a projection of your pension and whether a contribution limp sum top up is worthwhile...
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Old 14.01.2017, 12:12
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Re: transfer UK state pension contribution to Switzerland

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When you reach pensionable age (about 80 if you are in your 20s now) you will draw two pensions both paid either in £s in the UK or CHF here...
With both systems be pay as you go and an aging workforce that may turn out to be a fair tale if your in your 20s
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Old 14.01.2017, 23:23
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Re: transfer UK state pension contribution to Switzerland

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Your UK state pension will be frozen until you reach pensionable age. You will start another state pension in Switzerland (AHV 1st column).

When you reach pensionable age (about 80 if you are in your 20s now) you will draw two pensions both paid either in £s in the UK or CHF here.

Important: you should ask the UK people for a projection of your pension and whether a contribution limp sum top up is worthwhile...
Thanks for this, which government agency should I be contacting about projections/a contribution lump sum?
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Old 20.01.2017, 00:32
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Re: transfer UK state pension contribution to Switzerland

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Thanks for this, which government agency should I be contacting about projections/a contribution lump sum?
Generally when you leave the UK and advise the authorities, they move you from your previous tax and Social Security office to an overseas one. The address I have is:

Newcastle Pension Centre
The Pension Service 11
Mail Handling Site A
Wolverhampton
WV98 1LW England.

email:
tvp.internationalqueries@dwp.gsi.gov.uk
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Old 20.01.2017, 00:45
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Re: transfer UK state pension contribution to Switzerland

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Generally when you leave the UK and advise the authorities, they move you from your previous tax and Social Security office to an overseas one. The address I have is:

Newcastle Pension Centre
The Pension Service 11
Mail Handling Site A
Wolverhampton
WV98 1LW England.

email:
tvp.internationalqueries@dwp.gsi.gov.uk
Many thanks for this, I will contact them.

Btw as you mention authorities, I have notified HMRC that I have left the UK, are there any other authorities I should had notified as well ?
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Old 20.01.2017, 08:15
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Re: transfer UK state pension contribution to Switzerland

Whole load of info here

https://www.gov.uk/browse/working/state-pension
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Old 20.01.2017, 12:51
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Re: transfer UK state pension contribution to Switzerland

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Given the current situation and the fact that the U.K. allows on going voluntary contributions it is worth investigating this option.
Here is the form for voluntary contribution.
Last two pages.
https://www.gov.uk/government/upload.../NI38_CF83.pdf
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Old 14.09.2017, 16:12
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Re: transfer UK state pension contribution to Switzerland

Hello everybody,

I'm in a similar situation and I've contacted HMRC that has told me exactly this, with the addition that you need to have paid contributions for at least 10 years in UK to qualify for state pension. I haven't and still it is unclear to me if I have completely lost those contributions.

Best regards,
Marco
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Old 14.09.2017, 16:31
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Re: transfer UK state pension contribution to Switzerland

Check if you are eligible to make voluntary payments to make up the difference.
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Old 14.09.2017, 16:46
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Re: transfer UK state pension contribution to Switzerland

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Check if you are eligible to make voluntary payments to make up the difference.
HMRC told me that is the option I have. Is it the only one?
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Old 14.09.2017, 16:53
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Re: transfer UK state pension contribution to Switzerland

If you want a UK State pension, yes.
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Old 14.09.2017, 16:56
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Re: transfer UK state pension contribution to Switzerland

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If you want a UK State pension, yes.
I would like to transfer those contributions but I've been told I cannot. On the other hand I wouldn't like to pay voluntary contributions for something I might never get. So basically my contributions are lost
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Old 14.09.2017, 17:15
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Re: transfer UK state pension contribution to Switzerland

Unless you die before you reach UK retirement age you should get the pension.
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Old 14.09.2017, 22:13
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Re: transfer UK state pension contribution to Switzerland

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I would like to transfer those contributions but I've been told I cannot. On the other hand I wouldn't like to pay voluntary contributions for something I might never get. So basically my contributions are lost
They will not be lost if you pay vcs up to the ten years, that's the point of it.
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Old 14.11.2019, 13:31
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Re: transfer UK state pension contribution to Switzerland

Having another look at this, I found the following

https://www.gov.uk/new-state-pension...rking-overseas

It looks like you don't need 10 years contributions in the UK if you have worked in other EEA countries (or Switzerland).

"You may be able to use time spent abroad to make up the 10 qualifying years. This is most likely if you’ve lived or worked in:

the EEA
Gibraltar
Switzerland
certain countries that have a social security agreement with the UK"

Am I understanding correctly?
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Old 15.11.2019, 23:10
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Re: transfer UK state pension contribution to Switzerland

I've just retired (here in Switzerland), so at age 65, but have worked in the UK (6 years of recognized contributions), as well as in France and Germany and obviously Switzerland. I'm still battling for the small amounts I will get from France and the UK, the Germans were efficient and are paying me a monthly pension.
Whilst you need a minimum of 10 years of contributions to get a UK pension, the years you contribute to other pension systems in the EU (including Switzerland) count towards those 10 years.
I'm battling with the incompetents at the UK pension system, who accept that I have a right to a UK pension, but are incapable of doing the paperwork. Phoning them is a battle (the only number that you can call is a number in Newcastle, +44 191 218 7777). You then have go through a press 1 for this, 3 for that and so on, but in my experience you can press pretty much any sequence and get through to the same person. Make sure you have your NI number and be prepared to confirm your identity in various ways.
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Old 16.11.2019, 12:42
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Re: transfer UK state pension contribution to Switzerland

Many thanks for your reply; I'm still far away from retirement, I hope they'll get better
Good luck!
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