QROPS / ROPS Eligibility Checker

A Qualifying Recognised Overseas Pension Scheme transfer can make sense in specific situations — but it also carries significant risks and costs. This tool helps you understand the key criteria and red flags.

Your situation

Where are you living now / planning to live permanently?

Is this country on the HMRC ROPS list?

Yes

Unsure

Check the HMRC ROPS list →

Total UK pension value being considered for transfer

Are you currently resident in the same country as the ROPS?

Yes

The 25% Overseas Transfer Charge may apply if not.

Do you have a DB (defined benefit / final salary) pension?

No (DC only)

Yes

Your age

Has an adviser approached you unsolicited about this transfer?

Yes ⚠️

Select your situation to see your eligibility assessment.

⚠️ QROPS Red Flags — Know before you sign

These are common signs of a pension scam or a poor-value transfer. Walk away if you see any of these:

🚩Adviser approached you cold — by phone, email or text without you seeking them out

🚩Promised returns that sound too good — e.g. 8–15% guaranteed returns

🚩Adviser not on the FCA Register as authorised for pension transfer advice

🚩Exotic or unregulated investments mentioned (overseas property, green energy bonds, storage units)

🚩Pressure to decide quickly or 'limited time offer'

🚩High upfront commission or ongoing fees not clearly disclosed

🚩ROPS not on HMRC's official notification list