International Pension Transfer Specialists (IPTS)

An independent* review by our team of experts.

Review summary

International Pension Transfer Specialists (IPTS)

*International Pension Transfer Specialists, IPTS, is the trading name of our own business-to-business international pension transfer specialists. 

You won't be surprised we give the business 5 stars out of 5, as of course we think it’s the best in the world…but why should you believe us?

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As the name indicates, International Pension Transfer Specialists specialises in international pension transfers.  

The business works with pension trustees and overseas investment advisers.

IPTS provides the legally required technical advice to non-UK residents, who are considering a transfer of defined benefit scheme pension rights, and other forms of pension rights that carry guarantees. 

Before such a transfer can proceed, it’s a mandatory requirement that specialist advice is given.

This has to be given by a specifically qualified senior adviser, who is on the Financial Conduct Authority register for such types of pension advice.    

This technical advice is either delivered via an overseas adviser who uses the IPTS service, or a pension trustee – or, it can be given directly to an individual client who is considering such a transfer.  

The IPTS service is highly personalised, and specific to the circumstances and objectives of the individual who requires the advice.  

IPTS also provides a full pension transfer advice and processing service, with a swift turnaround time.

For a modest additional fee, they can usually provide the required advice within 5-7 working days or, on some occasions, within a shorter period depending on the complexity of the client’s situation.  

IPTS reports are comprehensive, and accompanied by full technical analysis that is prepared by UK qualified pension transfer specialists.

* Whilst our opinion is of course subjective, it's worth noting that many offshore pension trustees recommend IPTS as a market leader in its field.

The pros

  • Specialist expertise
  • Transparent, fee-based service
  • Comprehensive analysis of your options

The cons

  • No FCA protection as outside of the UK
  • Expensive for people with smaller pensions
  • They don’t make investment recommendations so you need another adviser to do this
Is this really an independent review of IPTS?'s our opinion of the strengths and weaknesses of our own business to business international pension transfer specialists.

However, we detail the pros and the cons, detail youralternative option (PenTech) and make it clear that you're free to choose the right service for you.

Do I have to use IPTS if I work with AES International?

No, of course not.

If you choose to become our client, we will make recommendations and give advice in your best interests. 

But we will never force you to use any product, service, company or supplier.

We also always make it absolutely clear that IPTS is a part of our business if ever we recommend their services to anyone.

Customer reviews
IPTS gave such good advice I DIDN'T transfer my pension

I'm not an AES International client...

BUT the adviser I was using did use IPTS to get the tecnical gumpf needed for my pension transfer that he'd proposed for me.

In no uncertain terms IPTS said it was a BAD idea for me to transfer!

Have to say my adviser was not best pleased - I now get why.  He'd have got decent commission from the transfer and basically, my pension amount was too small to make it worth the scheme proposed also looked expensive.

I don't understand the ins and outs of it all - but I do know IPTS stopped me making a mistake.

So - can't say better than that.

Expert verdict
Expert Assessment of International Pension Transfer Specialists (IPTS)

Being part of our business, our verdict is that IPTS represents good value, has a high level of expertise, and offers the most compliant route to get important technical information for clients who are considering an international pension transfer.

IPTS has a dedicated and experienced team, who offer a first class service to all. 

Read the UK regulators’ advice on pension transfers

And if you prefer not to choose IPTS, just ensure you NEVER deal with a firm that isn’t authorised as a UK pension transfer specialist.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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