Frequently Asked Questions

General FAQ

What is the Pension Age Test as it relates to QROPS?

Funds in a QROPS RRSP cannot be accessed before Age 55

I do not have any documentation from my former pension scheme?

We have traced frozen pensions from the most basic information, without any documentation, quite easily.

What is a Pension Scheme?

That is simply the name in the U.K. for a Company Pension.

What is a Frozen Pension?

The technical term for a Frozen Pension is a Deferred Pension Entitlement. Basically you were in a company's pension scheme and then you left, leaving your pension benefits behind.

What is the 5 Year Rule I keep hearing about?

Once pensions are transferred out of the UK they only have to comply with the rules of the RRSP they are transferred into in Canada.

However, any withdrawals made from the RRSP within a 5 year period in which a person became UK non-resident for UK tax purposes could attract a UK tax liability.

For example if you arrived in Canada on 4th July 2003 you would be able to access your funds on 6th April 2009, free of any potential tax liability to the UK.

Can my UK pension go directly into a Regular RRSP here in Canada?

Yes as long as that RRSP has been accepted by the Inland Revenue as a QROPS.

Do I have better choices with transferring my Pension to Canada?

Yes. In the UK, at retirement you can receive your pension rights as a monthly or annual income stream (annuity). On the 6th April 2011 an alternative was introduced with the income drawdown pension which has capped and flexible options.

In Canada you can purchase a similar annuity or leave your funds in an RRSP, growing tax deferred, until you need to access some of it. We feel that in Canada, you have access to better options for your funds than those available in the UK.

What is QROPS?

QROPS stands for Qualifying Recognised Overseas Pension Scheme. Your UK pension funds would go into a Canadian RRSP which has been accepted by the Inland Revenue as a QROPS.

Tip of the Week

Buying extra UK State Pension results in a fantastic return on investment!

Did you know?

From April 6th 2016 a number of changes to the UK State Pension take effect. Call Dee on 1-888-511-9766 to discuss.

Customer Testimonials

The service provided to both my wife and I was impeccable, fast, efficient and totally painless. We would highly recommend this service to anyone.

Colin & Helen Byers, Jarvie, AB

June 20th 2014

We were very pleased with the work that Mike and Dee of UK 2 Canada Pension Transfers did for us regarding my UK Pensions. We would recommend them without reservation to anybody.

Paul Chessman, Kensington, PE

June 20th 2014

After a lot of work the knowledgeable team at UK2Canada found out that I was entitled to a pension and that I could purchase several missing contribution years. This increased my pension significantly and gave me a return on  my investment in under a year! Your service is unique and I would recommend it to anyone who worked for even a few years in the UK.

Alan Farmer, Acton, ON

July 2nd 2014


We had been looking to transfer our UK pensions for some time. UK2Canada provided us with the confidence we required to get the process started, and helped us obtain additional National Insurance contributions in order to qualify for full British state pensions.  The whole process was quick and professional & I would highly recommend! 

Hayley & Steve Long, Guelph, 

ON, June 20th 2014


Pensions are being paid on time and UK2Canada made the tasks of buy back, etc. very easy. I could NEVER have negotiated the bureaucracy without your help.  Consequently, I have recommended your organisation to a number of other expats residing in Canada.

Margaret Evered, Toronto, ON

June 20th 2014


Our Videos

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We've developed several videos explaining all about the UK State Pension.

View our UK State Pension Videos


Mike Rochford - UK2Canada Pension Transfers


I immigrated to Canada in 1996, with my wife and four children and we settled in Guelph, Ontario. Throughout my career in the UK I held various management positions at numerous banks, building societies and insurance companies.I also spent a significant time as a civil servant at the Inland Revenue. This experience puts me in an ideal position to advise on UK Pensions.

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Contact Us

map5823 Sixth Line East, Ariss, Ontario, N0B 1B0

map1-888-511-9766 (toll free)