Pension provider
STM Group / STM Pensions
Listed for comparison
International pension provider whose reviewed material centres on Malta and Gibraltar QROPS and related international pension solutions. Designed for internationally mobile clients and overseas-resident pension holders.
At a glance
- Provider type
- International pension / QROPS provider
- Cross-border fit
- Designed for internationally mobile clients and overseas-resident pension holders.
- Transfers in
- Supported
- QROPS / international transfer
- Supported
- Retirement-income support
- Varies
- Beneficiary support
- Supported
- Overseas servicing
- Europe and Australia business-development contacts are listed, with Gibraltar and Malta pension entities.
- Fee transparency
- QROPS prices are published by the provider. Check the current administration, transfer, benefit and advice charges before proceeding.
Who this provider may suit
People comparing an international pension or QROPS, usually with a professional adviser. That describes the published focus. It is not a view on whether this pension is suitable for you.
The reviewed material describes an adviser-led proposition. Opening or transferring a pension may require a regulated adviser.
Pension type
International pension / QROPS provider.
QROPS specialist. Different pension types follow different scheme rules, so a feature on one product is not a feature of every product from the same brand.
Contributions
International pension scheme rules vary by product and jurisdiction.
UK pension tax relief can depend on residence and relevant earnings. A provider’s own rules may be stricter than the tax rules. Confirm current contribution eligibility with the provider and, where needed, a qualified adviser.
Transfers in
The reviewed proposition is a specialist QROPS transfer.
A transfer in is separate from a transfer out. Defined contribution and defined benefit pensions are checked differently. A transfer can affect fees, guarantees and protections, and some transfers require regulated advice.
Overseas transfers and QROPS
The core proposition includes Malta and Gibraltar QROPS and related international pension solutions.
QROPS is not a feature that applies to every expatriate. Whether a transfer is possible depends on the current scheme, the receiving scheme, residence, tax rules and, in some cases, regulated advice. This page does not say that a QROPS transfer is beneficial or that it changes a tax outcome.
Retirement income
Flexible retirement-benefit structures are described, depending on the scheme and jurisdiction.
Drawdown, lump sums and an annuity route can each have different scheme and residence conditions. Payment currency and overseas bank-account support are not assumed here. Confirm how income would be paid to your country of residence.
Beneficiaries
Trust and contract-based pension structures include death-benefit and beneficiary considerations.
Beneficiary nominations and expressions of wish sit inside the scheme rules. Death-benefit administration, and how a payment is taxed, can differ by jurisdiction. This page does not give an inheritance-tax conclusion.
What happens if you move country
The proposition is designed for internationally mobile clients and overseas-resident pension holders.
Europe and Australia business-development contacts are listed, with Gibraltar and Malta pension entities.
Continuing to hold an account, continuing to contribute, and being able to draw income are separate questions. Confirm each one for the country you are moving to.
Fees and charges
QROPS prices are published by the provider. Check the current administration, transfer, benefit and advice charges before proceeding.
When pension advice may be required
Some pension transfers require regulated advice, particularly where safeguarded benefits or certain defined-benefit rights are involved. International transfers can add further tax and jurisdictional considerations.
This page does not decide whether you personally need advice. Ask the provider, and a qualified adviser where the scheme or the transfer requires it.
Questions to ask
Can you accept a pension from my existing provider?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Can I open or continue this pension from my current country?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Can I continue contributing after I move?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Can the scheme pay retirement income overseas?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Are international bank-account payments supported?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Can you accept or transfer to a QROPS?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Do you require regulated advice before a transfer?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
What happens to existing guarantees or benefits?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
What transfer fees apply?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
What drawdown charges apply?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
How are beneficiaries nominated?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Which legal entity administers the pension?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
What investor-protection scheme applies?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Can my investments remain unchanged after a move?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Are there restrictions for US persons or other nationalities?
Confirm the current answer with STM Group / STM Pensions. It depends on the scheme, your country of residence and, where a transfer is involved, whether regulated advice is required.
Who operates the pension?
Pension brands can involve separate platform, trustee, administrator or regulated entities. The exact legal structure matters for scheme rules, complaints and protections.
The reviewed material describes Gibraltar and Malta pension entities. A QROPS transfer may require regulated advice, and tax treatment depends on residence and the scheme jurisdiction.
Sources and review
Information is based on publicly available provider information reviewed by WiT Access. Pension rules, fees, eligibility and overseas servicing can change. Reviewed 6 October 2026.