When can you access your UK pension?
The minimum pension access age rises from 55 to 57 in April 2028. Depending on your date of birth, this change affects when you can first draw from your private pension. Find your exact dates here.
The 2028 rule change catches many expats off guard
If you were born between 6 April 1971 and 5 April 1973, you may have a gap — you would have expected to access at 55, but the new rules push it to 57. Some "protected pension ages" in older schemes still apply.
Your details
Enter your date of birth to calculate all your key pension dates.
Some older workplace pensions have a protected pension age below 57. Check your pension scheme documents or ask your provider. Public sector schemes (NHS, teachers, civil service) have their own access rules.
Your pension access dates
Enter your date of birth above.
📋 The key rules explained
Normal Minimum Pension Age (NMPA)
Currently 55. Rises to 57 on 6 April 2028. Affects all DC pensions unless a protected pension age applies.
State Pension Age
Currently 66 for men and women. Rising to 67 between 2026–2028. A further rise to 68 is proposed (review ongoing).
ISA — no age restriction
Cash and Stocks & Shares ISAs can be accessed at any age. However, once you leave the UK, you cannot pay into a UK ISA (you can keep existing ones).