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Paphos Advisor

Retiring to Cyprus

UK Pension in Cyprus: How Each Type Is Taxed in 2026

If you're Cyprus tax resident, your UK State Pension and private pensions are taxed only in Cyprus, and you can choose a flat 5% on everything above €5,000 a year. Civil service, NHS, police and armed forces pensions are the exception: they stay taxable in the UK. Here's how it works, with the numbers.

JJason 14 min read Last verified 27 September 2026
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Balcony table with coffee and laptop overlooking the sea in Paphos
Fact-checked27 September 2026

Sources checked for this page

  1. 1.GOV.UK — Cyprus tax treaties (2018 convention and 2019 protocol)Government
  2. 2.GOV.UK — Government service pensions under the UK-Cyprus Double Taxation ConventionGovernment
  3. 3.HMRC — Double Taxation Treaty Relief form DT-IndividualGovernment
  4. 4.PwC Worldwide Tax Summaries — Cyprus income determination (pensions from abroad, reviewed Aug 2026)Professional
  5. 5.PwC Worldwide Tax Summaries — Cyprus personal income tax bands 2026Professional
  6. 6.Cyprus Tax Department — Foreign pension election formGovernment
  7. 7.GOV.UK — State Pension if you retire abroadGovernment
  8. 8.GOV.UK — International Pension CentreGovernment
  9. 9.GOV.UK — The new State Pension: what you'll getGovernment
  10. 10.GOV.UK — Healthcare in Cyprus (S1 and GHS)Government
  11. 11.NHSBSA — Apply for healthcare cover when living abroad (S1)Government
  12. 12.GeSY (Health Insurance Organisation) — ContributionsGovernment
  13. 13.GOV.UK — Reducing tax-free overseas transfers of UK pensions (overseas transfer charge)Government
  14. 14.GOV.UK — Living in CyprusGovernment
  15. 15.GOV.UK — Income Tax rates and Personal Allowances (2026–27)Government
  16. 16.GOV.UK — Tax if you leave the UK to live abroad (P85, SA109)Government
  17. 17.KPMG Cyprus — Tax residency and non-dom rules (April 2026)Professional
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Written by

Jason

Founder, Paphos Advisor

British founder who moved his family from the UK to Paphos in 2025. I write down what I learned doing it properly — the tax, the residency and the living-here detail — and introduce people to the specialists I’d use myself.

How I research and fact-check

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