Rosemary

I have always had my state pension sent direct to my bank account by DWP. Not discovered any catches but one advantage is that I do not have to check on the exchange rate and never have the expense of transferring money into my bank account. My bank appreciates the fact that my pension is paid direct and give me free banking. Maybe it is laziness on my part but it certainly works for me.

Rosemary

joedachef

Google can confuse you too-lol, so far we change our minds at least a dozens of times, watch all the homes in the sun and still can not decide
Don't want the area to look like a spaghetti western -need a bit of green

spainrico

Thanks, Rosemary - sounds like the best plan when my turn comes (assuming Brexit does not change this option!)

bobd22

I would treat place in the sun with a pinch of salt. You really need to have some idea of what suits you rather than what suits others. If I was you I would take a couple of weeks road trip driving around areas that you would at least consider. As you live in south of England that would be easy enough going from Portsmouth or Plymouth. Use something like booking.com stop over a couple of days in areas that interest you and look around driving to different towns/villages etc. Makes a nice holiday and you can then decide what sort of areas fits. Once narrowed down visit that area again for an in depth visit to confirm and go from there.

davidinspain

Even if you come below the tax threshold you will need to complete one declaration.

snikpoh

You don't actually have to but it is certainly recommended.

Fred James

davidinspain

May have been a rule change but that was the case in the 90s Hacienda website until about six months ago had a helpful page about who should register, in English,which has now disappeared, think I may have a screenshot somewhere

davidinspain

Fred James

That information page is out of date and does not show the whole situation..If your incomes is less than €12643 there is no obligation to make a tax declaration.

https://www.agenciatributaria.es/AEA...declarar.shtml

The OP has a UK state pension which normally is below this figure.

Rosemary

Hi Fred

I always understood that it was better to complete a tax return and gain a NIL taxation declaration but with the changes is that no longer a good idea?

Rosemary

spainrico

Yes, I thought a declaracion was also mandatory to prove fiscal residence and was required at the notary if you need to prove fiscal residency when buying/selling property for residents tax calculation purposes.

Fred James

Yes, they will want to see a Certificate of Tax residency and you will need to have made a declaration to get that.

Personally, I would do a nil return every year, but not waste money on a gestor. From my experience for friends, the tax office will not accept a nil return from someone below the €12643 threshold so the only way to be sure is do it yourself online.

mikelincs

No, just tell the DWP the account you want it paid into, you will get a better exchange rate letting them do it, and there will be no charges at either end.

joedachef

As my wife will be getting a pension, is filed as married income or 2 separate incomes