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France publishes income guidelines for British people after Brexit

The French government has published its official guidance on how much money British people will need to be granted residency status after Brexit.

France publishes income guidelines for British people after Brexit
Photo: AFP

In order to qualify for residency after Brexit, British people need to fulfil certain criteria, and the one that has been causing the most anxiety is the 'minimum resources' requirement.

For people in work this is fairly straightforward, but for people not working and on low incomes – particularly pensioners – the idea that they might not have enough money to qualify has been causing considerable anxiety.

Until now there have only been guideline figures, but on Sunday the French government published an Arrêté in the Journal Officiel, which lays out the criteria that officials must base their decisions on.

LATEST How much money do I need to stay in France after Brexit

The Withdrawal Agreement states that all decisions must be taken on a case-by-case basis, so for example if someone falls slightly below the threshold but owns their own house outright and therefore doesn't pay a mortgage or rent, this would have to be taken into account.

Savings and extra income such as rental income from a property in the UK are also taken into account.

The French take the level for RSA as a guide figure. Revenue de Solidarité Active (RSA) is the French in-work benefit. Anyone earning below a certain amount is entitled to top-up benefits and this is the figure that is being used to calculate what is a reasonable income level.

As with all benefit levels, it changes over time, but currently the level is €564.78 per month.

There's good news for British people – the French government has said that unlike for other types of application, British people can declare this as an income for their household – so if you are a couple you only need €564.78 between you, not €564.78 each.

In more good news, RSA is the guideline figure that will be applied for all types of application. The French benefit level for pensioners – ASPA – is higher and there had been fears that some people would not meet this threshold, but the Arrêté says that RSA is the guideline figure for all types of application.

The document states: “The adequacy of resources is assessed in the light of the personal situation of the person concerned.

“Regardless of the number of people in the household, the amount required may not exceed the minimum amount of the RSA for a single person without children.”

Proof of income

And only certain groups of people need to provide proof of their financial situation.

People who have lived in France for longer than five years simply need to supply personal information, proof of address and some evidence of the date they arrived in France when they apply for residency.

All British people living in France – even those who have been here for a long time or are married to a French person – need to apply for a residency card before June 30th, 2021. For more on how the residency card application process works – click here.

People who have lived in France for less than five years apply as one of the following categories; employed or self-employed, student, job-seeker, retired or otherwise economically inactive, the family member of someone who fits the above criteria or the spouse, civil partner or live-in partner of a French person.

Of these categories, only those applying as 'retired or economically inactive' need to supply proof of their means. Documents that will be accepted for this include your most recent tax declaration, information on pension payments or recent bank statements.

People applying as 'inactive' will also have to provide proof of health cover – registration within the French state healthcare system is sufficient for this.

To read the Arrêté in full – click HERE.

And for full details on the financial resources rules, click HERE.

For more on residency, healthcare, driving and travel after Brexit, head to our Preparing for Brexit section, or the citizens' rights group France Rights.

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BRITS IN FRANCE

9 things Brits need to know about moving to France since Brexit

There's no doubt that Brexit has made moving to France more complicated for Brits - but it is still possible. Here are some of things you need to know before making the move.

9 things Brits need to know about moving to France since Brexit

Brits who want to move to France now face a radically different process from those who took advantage of EU freedom of movement to make the move before Brexit. 

It’s a more complicated process – but it’s still possible and 8,700 UK nationals moved to France in 2023

Here are some of the big things you need to know before making the move.

1 Visa

The biggest post-Brexit change is that Brits moving to France now require a visa (unless they have dual nationality with an EU country).

The visa must be applied for first, and only when it is granted can you make the move – you cannot come to France and then apply for residency (unless you are covered by the Withdrawal Agreement, more on that below).

There are various different types of visas depending on what you intend to do in France – work, study, retire etc – and many of them contain conditions eg people on a ‘visitor’ visa are not permitted to work in France.

It makes things less flexible as it’s harder to change your plans once you have arrived. It also means that it’s harder to have a ‘half and half’ lifestyle – eg retire from your day job and move to France to run a gîte or B&B.

Explained: What type of French visa do you need

The best visa type is undoubtedly the ‘Talent Passport’, so it’s worth checking whether you fit any of the criteria for this visa type

2 Residency card

Once you have your visa and have moved to France this is very far from being the end of the process.

You will need to apply for a residency card after a certain period (usually three months but different visa types have different rules) and according to your personal situation you may also be required to attend a compulsory medical, language classes and ‘integration’ classes through the French office of immigration and integration (OFII) – more on that here

READ ALSO Getting a French visa – what paperwork comes next?

3 Health cover 

When it comes to health there is some good news – Brits have retained many of their pre-Brexit rights to healthcare.

While you may need to provide proof of private health cover for your visa (depending on the visa type) once you have been resident in France for three months you are entitled to register in the French health system, which covers most of your medical costs.

Full details on how to register HERE.

Brits who are retired and have reached UK pension age also retain their right to an S1 – the status which entitles you to register in the French health system, while the UK continues to pay your medical costs.

4 Remote working 

The rise in remote working means that the dream of moving abroad seems much closer for working-age people – since you will be able to work remotely in your native language, maybe even keep your existing job and simply relocate.

While this is possible, you need to do careful research in advance to ensure that work is compliant with your visa and tax situation. Unlike some countries, France does not have a ‘digital nomad visa’ or other visa types aimed at remote workers, in fact the visa rules were written before remote working became widespread, which is why there are some grey areas.

Most lawyers advise getting a working visa (salarié if you are working remotely for a French company as an employee, or auto-entrepreneur for freelancers) and paying social contributions in France. Find full details on visa and tax implications.

READ ALSO France’s entrepreneur visa and how to get it

You also need to be aware that being a remote working can have an effect on your long-term plans in France – for example if after five years of residence you intend to apply for French citizenship you will need to prove that the ‘centre of your economic activity’ in in France. If all your work is done remotely for foreign companies then this could be a reason to have citizenship refused. 

5 Working restrictions 

If you want to work in France (remotely or not) you first need to check if there are any restrictions on your profession – certain types of work are ‘regulated professions’ in France, which means you will need specific French qualifications and/or registration within a French guild or professional organisation. The number of professions that are ‘regulated’ is surprisingly wide – taking in everything from chimney sweeping to hairdressing.

The next step is whether your qualifications will be recognised in France – EU countries generally recognise most of each other’s qualifications apart from in certain specific areas like medicine, but this is no longer the case for qualifications gained in the UK – more details here.

There are also certain jobs that are restricted to French citizens only, while others – including working in the public sector in positions including being a librarian – are limited to EU citizens only.

In visa terms, the simplest way for working-age people to come to France is as a salarié (employee) but to do this you will need a job already in place and your new employers will have to act as sponsors for your visa and may also be required to get a work permit for you. All of which means that Brits are less attractive as employees than EU citizens, which makes getting a job harder.

The other option is to be self-employed as either a freelancer, contractor or running a small business – this is a more complicated visa to get, requiring a detailed business plan. Once in France you need to register yourself as a small business/self-employed and register with Urssaf.

READ ALSO Urssaf – what is it and how does it work?

6 Tax

If you are living in France, then you will need to do the annual income tax declaration – even if all your income comes from abroad and you are retired/not working in France.

Full details on that HERE.

This was in fact the case before Brexit as well but previously there was a little more flexibility for people who split their time between France and the UK. These days if you want to be here for the majority of the year then you will need a visa/residency card, which removes much of the ambiguity about who is a ‘resident’.

The main post-Brexit difference is the rate at which prélèvements sociaux (social charges, similar to National Insurance) are charged on overseas income (eg earnings from work in the UK or income from renting out a UK property).

The rate is 7.5 percent for income from an EU country and 17.2 percent for income from a non-EU country – after Brexit, UK income switched to the non-EU rate.

7 Driving licence 

Foreigners who make France their home will sooner or later need to swap their driving licence for a French one. This too was the case even before Brexit, but many UK or NI licence holders never got round to making the switch, and there wasn’t a lot of enforcement of the rule.

This has now been tightened up and UK/NI licence holders will need to swap their licences for a French one – the exact details of when you make the swap are slightly different for Brits than from other non-EU nationals due to a specific UK-France deal. Find full details HERE.

If you want to bring a car with you from the UK to France, you will also need to re-register it as French – full details HERE.

8 Banks 

Most people moving to France will want to set up a French bank account for daily life, but you may also need a UK account, especially if you are a pensioner as some pensions will only pay into a UK account.

However since Brexit some of the biggest UK high street banks have been closing the accounts of their customers who do not live in the UK.

Alternatives include specific ‘expat’ accounts or internet banks – more details HERE.

9 The Brexit Withdrawal Agreement

It’s worth mentioning the Brexit Withdrawal Agreement even though most of it will not apply to newcomers. In brief, the citizens’ rights part of the Withdrawal Agreement covered people who moved to France prior to December 31st 2020, and intended to give them an easy way to remain in France and retain at least some of their pre-Brexit rights.

In general it does not apply to newcomers unless you are a close family member of someone who is covered by the Withdrawal Agreement – either a spouse or civil partner (in which case you must have married/ registered your partnership prior to December 31st 2020) or child. These people have a different path to residency, and can arrive in France and then request residency via the local préfecture of the family member who is already living here.

It’s also worth mentioning because of how different it is to the situation for new arrivals. It’s normal to ask Brits already living in France how they found the whole process – but if someone starts to tell you that getting residency is easy, the first question that you need to ask is when they moved here.

Those here prior to 2021 did indeed get an easy process – they had a special website to apply online for (free) residency cards and received straight away either a 5-year or 10-year card. This is a totally difference process to the one for Brits moving to France now.

If you’re asking around you would be better talking to Americans, Canadians or other non-EU nationals since their process is much more similar to that now in place for Brits.

. . . And new deals/visas/residency permits for Brits

Every now and again UK media will report which great excitement the possibility of a ‘new deal’ for Brits that will make moving to France, or buying a second home here, easier.

These reports should all be taken with a pinch of salt – there are currently no negotiations underway that would affect the process of Brits moving to France, and even if something is proposed in the near future it will likely take years to come into effect because these types of international agreements usually happen slowly.

A proposal for a ‘youth mobility scheme’ from the EU was rejected out of hand by British politicians before it had even been formally offered.

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