Do I need a Cyprus tax adviser if I only have a pension?

Not always. A single private pension can be straightforward. It's worth one fixed-fee session if you also have a government pension, UK property, a lump sum to take or savings income.

Is Cyprus a tax haven?

No. Cyprus taxes residents on worldwide income at up to 35% and companies at 15%. It is attractive for specific income, such as dividends and interest for non-doms and foreign pensions at 5%.

What's the difference between a tax adviser and an accountant?

A tax adviser plans your structure and residence before and during the move. An accountant keeps the books, files returns and runs payroll and VAT. Many firms do both, but check who is doing which job. If you're setting up a company here, our Cyprus company incorporation introductions can include an accountant.

Can a UK accountant handle my Cyprus tax?

Only the UK side, unless they have Cyprus-qualified colleagues. Cyprus returns, non-dom forms and tax residency certificates are filed with the Cyprus Tax Department under Cyprus law.

Why are your introductions free?

The adviser may pay us a referral fee if you become their client. You pay them the same as any other client, and we tell you before any introduction. See our referral disclosure.

What happens after I ask for an introduction?

Jason reads your details and replies within one working day with the questions that apply to you. With your consent, we introduce you by email to one adviser, or a UK and Cyprus pair, who sends a fixed-fee proposal. You decide; there's no obligation and nothing to pay us.

Services · Tax

Cyprus Tax Advice for UK Movers: Plan Both Countries Before You Go

Cyprus tax advice for a UK move answers four questions before you go: when you stop being UK resident, which Cyprus rule makes you resident, how you'll be paid, and what happens to your pensions. The rules changed on 1 January 2026, and a full relocation engagement typically costs €1,500–€5,000. We introduce you free to independent advisers who plan the UK and Cyprus sides together.

Vetted, licensed partners
Free introduction
Referral fees disclosed

Request an introduction

Free. I reply personally within one working day.

The short version

Cyprus's 2026 tax reform took effect on 1 January 2026: a €22,000 tax-free band, 5% SDC on new dividends for domiciled residents, 15% corporate tax and a simpler 60-day rule.

You need two things to benefit: to leave UK tax residence under the Statutory Residence Test, and to join Cyprus under the 183-day or 60-day rule.

Most UK movers need a tax adviser before the move and an accountant once they're here. They are different jobs.

Advisers typically charge €1,500–€5,000 for a full relocation tax engagement. Our introduction is free.

Our tax services

Each page explains the rules, what the adviser does, typical fees and how the introduction works.

Tax residency

60-day rule tax advice

Become Cyprus tax resident with 60 days here, with a real home, a real Cyprus tie and a clean UK exit.

Dividends and interest

Non-dom tax planning

0% SDC on dividends and interest for up to 17 years, with TD38 filed in the right year.

Leaving the UK

UK to Cyprus tax advice

Split year, the UK residence test, UK property and the new inheritance tax tail.

Retirement

UK pension tax advice

5% over €5,000, government pensions, lump sums and whether a transfer makes sense.

What the 2026 Cyprus tax reform changed

Law passed on 22 December 2025, in force from 1 January 2026. Many competitor pages still show the old figures.

Item	Until 31 Dec 2025	From 1 Jan 2026
Income tax-free band	€19,500	€22,000, then 20%, 25%, 30% and 35% over €72,000
SDC on dividends (domiciled residents)	17%	5% on profits from 2026; 17% still applies to older profits paid out by 2031
SDC on dividends and interest (non-doms)	0%	0% (GeSY 2.65% still due)
60-day rule	5 conditions, including not tax resident elsewhere	4 conditions; 'not tax resident elsewhere' removed
Foreign pension exempt amount (5% option)	€3,420	€5,000
Corporate tax	12.5%	15%
Non-dom after 17 years	Ends	Can extend by up to two 5-year periods at €250,000 each
Stamp duty on contracts	Payable	Abolished

Sources: KPMG Cyprus (April 2026), PwC Worldwide Tax Summaries (reviewed August 2026), G. Kouzalis LLC 2026 summary. The Tax Department's web pages and some forms have not all been updated; where they differ, your adviser should confirm which applies.

Green hills with almond blossom above Paphos in late winter, the town and sea below under broken clouds — Almond blossom in the hills above Paphos

Which Cyprus tax advice do you actually need?

Cyprus tax advice for a UK move usually covers four questions, and most people need help with two or three of them:

Will I stop being UK resident? The UK Statutory Residence Test and split-year treatment decide this, not Cyprus. See UK to Cyprus tax advice.
Which Cyprus rule makes me resident? More than 183 days here, or the 60-day rule if you travel.
How should I be paid? Salary, dividends or pension, and whether non-dom status matters for you.
What happens to my pensions? Private and State pensions can be taxed at 5% over €5,000; government pensions stay in the UK. See UK pension tax advice.

A tax adviser answers these before you move. An accountant keeps you compliant afterwards: your Cyprus TD1 return by 31 July each year, company accounts and VAT. A regulated financial adviser handles investments and pension transfers, which tax advisers shouldn't sell. For the background, start with our tax and residency hub.

From experience

Jason's note

The advice that matters most happens before you book the removal van. Once you've left the UK on the wrong date or taken a dividend in the wrong year, a good adviser can only limit the damage. Book the first conversation 6–12 months before you go.

— Jason

Two minutes

See which Cyprus tax route fits you

The tax route finder asks about your days, home, work and income, then tells you which residence rule is realistic and what to raise with an adviser.

Check my tax route Introduce me to an adviser

Good to know

What Paphos Advisor does, and what we don't

We do: help you see which of the four questions apply to you, put your move in order, and introduce you to independent advisers who meet our vetting criteria.

We don't: give tax advice, prepare returns or sell financial products. Introductions are free to you; partners may pay us a referral fee, which we tell you about first. See our referral disclosure. To vet an adviser yourself, read how to choose a tax adviser in Cyprus, or go back to all our relocation services.

How a tax introduction works

01
5 minutes
Tell us your situation
Move date, income types, UK property and pensions, any company you own.
02
We frame the questions
UK exit, Cyprus residence rule, non-dom, pensions: which apply to you.
03
Matched introduction
With your consent, to one adviser (or a UK and Cyprus pair) who handles your mix.
04
Fixed-fee proposal
They quote you directly. You decide.

What to have ready for your first tax call

A first call is far more useful, and a fixed-fee quote far more accurate, when the adviser has these.

0 of 5 done

Progress saves in this browser.

1 About you

Your planned move date and how many UK days you expect in the first two years
Where you've been tax resident, and your domicile historyThis decides non-dom status and the UK inheritance tax tail.

2 About your money

Income by type: salary, dividends, self-employment, rent, pensions
UK assets: property, shares, a company, pension pots, crypto
Any sale you're planning in the next two years

What Cyprus tax advice costs

Advisers set their own fees and usually quote a fixed fee once they know your situation. These ranges come from published 2026 Cyprus fee guides.

Full relocation tax engagementResidency plan, non-dom, first-year set-up

€1,500–5,000

Hourly advice

€150–400

Annual personal tax return (TD1)

€200–1,200

UK departure-year returnQuoted by a UK adviser

€0

Total typical ranges

€1,850 – €6,600

Sources: Cyprus Tax Life (advisers from €150/hour; relocation advisory €1,500–€5,000) and Global Law Experts (individual tax return €200–€1,200). Specialist international advisers can charge more per hour.

Boats and a yacht moored in clear water at Latchi harbour with the Akamas hills behind — Latchi harbour near Polis

Watch out

Red flags in a Cyprus tax adviser

Walk away from anyone who guarantees non-dom status before asking about your domicile history, can't explain the 60-day rule conditions without notes, quotes a fixed "optimisation" fee before they understand your income, or says the UK side "doesn't matter once you're in Cyprus". It always matters in the year you leave.

Cyprus tax in 2026

€22,000

income tax-free band

SDC on dividends and interest for non-doms

optional flat rate on foreign pensions over €5,000

15%

corporate tax rate

Tax advisers we introduce

Every adviser holds a recognised qualification (ICPAC, ACCA, ICAEW, CIOT or ADIT), works in fluent English, understands the UK Statutory Residence Test as well as Cyprus rules, and quotes fixed fees in writing.

Licensed and regulated

Registered with the right Cyprus body — Bar Association, ICPAC, CySEC or the Estate Agents Council.

Fluent with UK clients

They know HMRC, UK pensions and how British clients expect to be kept in the loop.

Vetted in person

I’ve worked with them or checked their work with people I trust. No paid listings.

Fees disclosed

If a partner pays a referral fee, I tell you before the introduction.

Partner profiles are shared privately, matched to your situation.

Request an introduction

Cyprus tax advice questions

6–12 months before you move. Your UK departure date, any share or property sale and your first dividend all need planning before they happen. Your residence permit is a separate application; see our Cyprus legal services.

Free introduction

Get introduced to a Cyprus tax adviser

Tell us your move date and how you earn. Jason replies within one working day, then, with your consent, introduces you to an independent adviser who plans the UK and Cyprus sides together. No obligation.

UK and Cyprus rules covered together
Recognised professional qualification
Fixed fee quoted in writing
Free to you; any referral fee disclosed first

Founder-led. Replies within one working day.

Sources checked for this page

1.KPMG Cyprus — Tax residency and non-dom rules (April 2026)Professional
2.PwC Worldwide Tax Summaries — Cyprus individual residence (reviewed August 2026)Professional
3.PwC Worldwide Tax Summaries — Cyprus income determination (pension threshold)Professional
4.G. Kouzalis LLC — Cyprus tax residency and non-dom rules explained 2026 (reform package)Professional
5.Cyprus Tax Department — Individuals (tax residency)Government
6.HMRC — Statutory Residence Test guidance (RDR3)Government
7.UK legislation — Double Taxation Relief (Cyprus) Order 2018Government
8.Cyprus Tax Life — Find a tax advisor in Cyprus (fees)Professional
9.Global Law Experts — Tax advisors Cyprus 2026 (fee models)Professional

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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