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BRITS IN EUROPE

How Britons living in Europe can register to vote for UK election

With a General Election due the UK in 2024, here's how British citizens living in Europe can re-register to vote in the UK - even if you have lived outside the UK for more than 15 years.

How Britons living in Europe can register to vote for UK election
Voters leave a polling station after casting their ballot in the 2019 General Election. (Photo by Paul Faith / AFP)

The UK has finally scrapped the long-disputed 15-year rule that barred many Britons living overseas from voting.

The rule had meant that an estimated 3.4million Britons who have lived around the world for more than 15 consecutive years were barred from voting in UK elections.

But now that rule has been scrapped, meaning that Britons living across Europe and further afield will be able to register to vote from January 16th, 2024.

Britain’s Prime Minister Rishi Sunak appeared to rule out a Spring election when he said his “working hypothesis” was that Britons would go to the polls in the second half of the year.

Parliamentary watchers, however, have suggested that a vote could take place either in May – perhaps coinciding with local elections – or November. 

Which means it’s a good idea to register to vote sooner rather than later.

Eligibility

A General Election in the UK usually takes place every five years. The last one was in 2019.

To vote in a UK election, voters must:

  • be 18 or over on the day of the election (‘polling day’);
  • be a British, Irish or qualifying Commonwealth citizen;
  • be resident at an address in the UK (or a British citizen living abroad who has been registered to vote in the UK in the last 15 years);
  • not be legally excluded from voting.

British citizens who have never lived in the UK will not be able to vote.

Voters living overseas will be registered in the constituency where they were last registered to vote in the UK, or where they lived with registered voters if they were too young to vote.

How to register

Anyone who last voted in England, Scotland, or Wales, who falls into the following groups can register immediately via this website:

  • people who were previously registered to vote in the UK and who have lived abroad for less than 15 years;
  • Those who were too young to register when you left the UK less than 15 years ago, but your parents or guardians were.

Note: voters originally from Northern Ireland should use this website.

If you need help registering you can contact the Electoral Registration Office for the UK address where you were last registered to vote.

Crucially, even if you have previously been registered to vote in UK elections, you may not be on the electoral register for this year as annual renewal has been a requirement for overseas voters up to now. So it is a good idea to ensure you are registered to vote.

Renewal is set to be extended to three years from January 16th, 2024.

What you need to register to vote

If you have lived outside the UK for less than 15 years, you will need to provide the following:

  • Your National Insurance number or a UK identity document, such as a passport, even if it has expired;
  • The address where you, or your parent/guardian, were last registered to vote in the UK. Officials will cross-reference details on voter registration databases before confirming your right to vote.

Who should register to vote using the new portal

The portal is not live yet. When it is, we will update this article.

The following groups of people are advised to register using the new portal:

  • Britons who have lived outside the UK for more than 15 years, but who were previously registered to vote in a UK constituency;
  • Those who were too young to register when you left the UK more than 15 years ago;
  • British citizens born overseas who have lived in the UK at some point but never registered to vote.

What you need to register to vote

Registering is more complicated for those who have lived outside the UK for more than 15 years and have not registered as an overseas voter.

As well as proof of ID, such as a passport, you need to provide documentary proof that you once lived at a UK address in the constituency where you wish to vote, such as a British driving licence – even if it has expired, an old utility bill, a tax statement, or council tax demand, a rent book, or land registry document. Something, basically, that has your name and address on it.

Don’t have all the documents?

All is not lost. If you never had or have lost certain documents, such as a proof of address, council voting officials can ask for an ‘attestation of previous residence’.

This is, basically, a signed statement from a UK-based voter of ‘good standing in the community’ that the overseas-based person registering to vote lived at a particular UK address, and should include estimated dates that they lived at that address.

Be aware that this hypothetical voter ‘of good standing’ can only sign statements for two overseas-based voters. There’s no indication that this voter should live in the same constituency in which applicants want to register, but it can’t hurt.

What ballot options are available to overseas voters

There are two possible ways to vote for Britons living overseas. You can opt for a postal vote or ask for a proxy vote.

There have been problems in the past with postal votes not arriving at overseas addresses in time. The British government has pledged to prioritise the sending of overseas ballots, but that concern remains valid.

You may prefer to opt for the proxy option, in which you authorise a UK-based voter to exercise your right to vote on your behalf. Your proxy does not have to live in the same constituency, as they can ask for a postal vote on your behalf. 

UK-based voters may only act as proxies for four people living overseas.

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For members

PENSIONS

What Brits should know about SIPP and QROPS pensions if moving to Spain

This Q&A offers some key information on SIPP and QROPS pension plans for British pensioners thinking of retiring in Spain, to help them decide which option is better for them.

What Brits should know about SIPP and QROPS pensions if moving to Spain

Q: What are SIPPs?

A: SIPP stands for Self-Invested Personal Pension and is a UK-based pension plan. If you open an international SIPP then you can draw from this while you’re living in Spain.

Q: What is QROPS?

A: QROPS stands for Qualifying Recognised Overseas Pension Scheme. It allows you to transfer your UK pension out of the country. They are outside the UK tax regime, but must be inside the European Economic Area (EEA) if you want to avoid charges from HMRC. They also need to have similar rules and regulations to a UK-registered pension plan. Many QROPs from those wishing to retire to somewhere in Europe are transferred to Malta. As there is a dual tax treaty between Spain and Malta you will not be subject to Maltese tax when you draw your pension from there.

Q: What do I need to consider when opening a SIPP?

A: If you choose to open a SIPP, as it is self-invested, you will be responsible for managing it and making all the investment decisions. It is therefore best for those who already have some knowledge of investing or those who have the time and who are willing to put the work in to learn. It does, however, mean that you also have greater control and flexibility over your finances. You can choose to have the SIPP managed by a professional advisor, but of course this is an extra expense. Your SIPP could also be potentially subject to UK tax laws. 

Q: What do I need to consider when opening QROPs?

A: This is best for those wishing to cut all ties with the UK and permanently retire to Spain for the rest of their lives. You could lose UK domicile if you choose to do this and don’t have any other assets there, but it could mean you could also avoid UK inheritance tax. It’s also ideal if you wish your family also live outside of the UK

Q: I intend to return to live in the UK at some point in the future, which is best for me?

A: As SIPPs are UK-based, if you plan on returning there to live at some point during your retirement, that option is best. If you have QROPS, you could be subject to a large tax payment if you want to transfer it back to the UK.

READ ALSO: Six factors British people need to consider before retiring to Spain

Q: Which option will be cheaper for me?

A: SIPPs are generally cheaper than QROPs as you are managing it and investing yourself. If you choose someone else to manage it for you, however, this may not be the case.

Q: Will my SIPP be subject to tax in Spain?

A: Yes, if you are resident in Spain then you must follow Spanish tax regulations meaning that any withdrawals from SIPPs will be subject to income tax here. Pensions in Spain are subject to progressive tax rates ranging from 19 to 47 percent.  While SIPPs are also subject to UK tax rules, due to the double tax treaty between Spain and UK, you will not be taxed twice.

Q: Will my QROPS my subject to tax in Spain?

A: Yes, again if you’re resident in Spain you will be taxed on pension income. You must report income from a QROPS on your annual tax return. If you’re already a Spanish tax resident when you move your pension, it’s important to be aware that you’ll pay Spanish income tax on the whole value of the fund, therefore it’s much better to move it beforehand and then make your permanent move to Spain. 

Q: I want my pension to be paid in Euros to avoid exchange fees, which option will be best for me?

A: If you want to be paid in Euros, then QROPS will be the best as you will have completely transferred it out of the UK and into the EEA. This means that when you draw your pension, it will be paid out to you directly in Euros.

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