Transfer Your UK Pensions to Australia with Ease!

Welcome to the Australian Expatriate Superannuation Fund, your gateway to a secure and rewarding retirement in Australia! We are proud to be Australia's ONLY Retail Superannuation Fund that is listed as a Qualifying Recognised Overseas Pension Scheme (QROPS) on the HMRC ROPS list, offering a seamless transfer process for your UK pension.

Our dedicated team of retirement solution specialists ensures a smooth transfer journey, providing expert guidance every step of the way. Make the move to AESF and secure your retirement future in Australia today!


At AESF we offer a seamless pension transfer service that streamlines the process of transferring your UK Pension to Australia. We always recommend that you seek professional financial advice when transferring your UK Pension to ensure you make informed decisions about your retirement savings. We have many financial adviser partners and can introduce you to a qualified adviser in your area to help you.

Who We Are

The Australian Expatriate Superannuation Fund (AESF) is a Retail Superannuation Fund brought to you by IVCM, a leading Global Retirement Solutions provider offering retirement savings products in Australia, New Zealand and Gibraltar.

AESF offers an easy way to transfer your UK Pension to Australia. As a public offer, Retail Superannuation fund, we are listed on the HMRC ROPS list as a Qualifying Recognised Overseas Pension Scheme (QROPS). You can find us listed as the Tidswell Master Superannuation Plan.

Who We Work With

The fund is managed by Diversa Trustees Limited, an approved Trustee regulated by the Australian Prudential Regulation Authority (APRA) – RSE License L0000635, AFSL Licence 235153.

The Australian Expatriate Superannuation fund is a division in the Tidswell Master Superannuation Plan (TMSP), Registration No. R1004953, a public offer Retail Superannuation fund. The Tidswell Master Superannuation Plan can be found on the HMRC ROPS list. The Administrator of the Fund is OneVue Super Services (OVSS) (ABN 74 006 877 832)


UK Pension Transfers Made Easy

The process of transferring your pension can be daunting and there are many technical complexities to consider. Our expert support team take care of these complexities and handle all of the transfer processes, so you don’t have to.


We take care of the full transfer administration process on your behalf, to give you peace of mind.


Our expert support team will be on hand every step of the transfer journey.


Take advantage of a range of multi-currency investments within the Fund


All of our fees are disclosed and there are no hidden charges.

Our Australian Expatriate Superannuation Fund provides a simple solution for you to transfer your UK pension to Australia

Fill in your details and get your free AESF Pension Transfer Guide!

"*" indicates required fields

This field is for validation purposes and should be left unchanged.


Take the next step to building your secure future

1- Forms

Print, complete and return our application forms

Our forms include a mandate to allow us to deal with your UK scheme provider on your behalf.

2- Identification

Provide Certified Copies of your identification documents

A passport or driving license as proof of identity. A utility bill as proof of address.

3- Apply

Send the forms and identification documents to us

Post all required documents to our office in Sydney below.


Everything we require to start the process

Application Form




Transfer Request and Declaration Form


Once you have completed these forms, send them to our Sydney office, noted below, alongside your completed UK Pension transfer forms and your identification/proof of address documents.

IVCM (Aust) Pty Ltd, 201 Sussex Street, Tower 2, Level 20, Darling Park, Sydney, NSW 2000

We can start the process if you email/scan the documents to us, but ultimately we need the original forms and documents.

Email your documents to


New Business - POI and POA Requirements


Document Certification Requirements


Investment Information Sheet


Checklist for New Business Requirements


Login Guide - For Members


Login Guide - For Advisers


AESF Annual Report 2023


AESF Annual Report 2022


AESF Annual Report 2021


AESF Annual Report 2020


AESF Annual Report 2019


AESF Annual Report 2018


AESF Annual Report 2017


Update to PDS

1 July 2021


Change of Fund Administrator

05 February 2021


Change of Trustee for the AESF

18 December 2020


AESF PMIF PDS Update Notice

17 March 2020


Important Notice

02 July 2018


Member Outcomes Assessment

For the year ended 30 June 2022


Member Outcomes Assessment

For the year ended 30 June 2023


Portfolio Holdings Disclosure

31 December 2023






AESF - TMD Pension


Retirement Income Covenant Summary


Budget Updates

July 2022


Annual Member Meeting - Minutes

FY 2023


Annual Member Meeting - Video

FY 2023


Annual Member Meeting - Minutes

FY 2022


Annual Member Meeting - Video

FY 2022



Greater Knowledge Brings Greater Decisions


Yes, but there are certain conditions and criteria that you must meet.

  • You must be over the age of 55 - This is because in Australia, under financial hardship rules, you can access your pension funds before the age of 55 under certain circumstances. This goes against UK rules which only allow you to access your pension once you reach age 55.
  • MOST IMPORTANTLY - You can only transfer your UK Pension into an Australian scheme that is registered with HMRC as a Qualifying Recognised Overseas Pension (QROPS).

Step 1 – Funds are transferred to the AFEX account for currency conversion. We use AFEX to aim to achieve the best possible conversion rate for your funds to save you money.

Step 2 – The funds are transferred to our cash account once the currency conversion is processed. At this stage, the transfer administration fee is deducted before the investment of funds.  We will also pay the tax due on your behalf if you have elected for us to do so.

Step 3 – Our Support team will invest your funds in line with the investment instructions you specified on the application form.

Step 4 – Once the funds have been invested, you will receive written confirmation from our New Business team, which will include a member pack and your login details to the online client portal – My Super Solutions. 

Retail Superannuation Funds are similar to UK pension plans as they offer you a wide range of investment options such as:

  • Global Stocks and Shares
  • Managed Funds
  • Deposit / Cash Based Funds

Our Australian Expatriate Superannuation Fund offers investment options available in AUD, GBP and USD which allows you to take advantage of the best currency rates when you invest your money.

A full list of the funds available with our product can be found in our Investment Guide.

The table below summarises the ongoing fees we charge. You can refer to the following documents for further details of our fees.

Product Disclosure Statement

Member Guide

Type of FeeWhen Does it ApplyWhen Fees are CollectedFee Amount
Establishment FeeUpon receipt of an application for AESFOn receipt of the first transfer or contribution of funds$595
Per Transfer In On request of a transfer via cash and / or in-specieAt request$195
Investment FeeAnnuallyAnnuallyVariable
See Investment Guide
Annual AdministrationSuper (AUD Only Investment)Annually0.60%
Super (with non-AUD Investment)0.80%
Super (QROPS AUD Investment)0.80%
Super (QROPS non-AUD Investment)1.00%
Switching Fee No switching fee is appliedN/A0.00%
Buy Sell SpreadWhen switching your investment fundsWhen the switch is made0.10%
QROPS Reporting FeeWhen taking an Income from your QROPS FundAd-Hoc$295

We would always recommend that you seek professional financial advice from a suitably qualified adviser particularly when transferring a pension. This is to ensure that you are making the right decision with your money.

However, if you are transferring a ‘defined contribution’ pension (i.e. a SIPP or personal pension plan), it is not a compulsory requirement to do so via a Financial Adviser. If you feel comfortable then you can complete the process yourself.

If you are transferring a ‘defined benefit’ pension (I.e. final salary scheme), it is a compulsory requirement to involve a financial adviser, if the value is above £30,000. This is due to the guarantees that come with these types of pensions. Your existing scheme provider would need you to obtain a Transfer Value Analysis (TVAS) Report from an FCA Qualified adviser before they would allow funds to be transferred out of the scheme.

We are NOT authorised to provide you with personal financial advice. We can only provide you with general advice regarding our product and the options available to you.

No, you are not permitted to transfer your UK State Pension to Australia.

Your UK State pension is not transferrable in the UK or overseas. You can only receive the income payments you are entitled to once you reach your state pension age.

QROPS stands for ‘Qualifying Recognised Overseas Pension Scheme’. A QROPS is an overseas pension scheme that is listed on the HMRC list and can accept a transfer of UK pension funds.  They were introduced in 2006 specifically for the benefit of former UK residents who have accrued pension funds in the UK, and who intend to remain outside the UK permanently.

You can only transfer a UK Pension overseas to a scheme that is listed on the HMRC ROPS list as a QROPS, like our Australian Expatriate Superannuation Fund.

A full list of registered QROPS schemes can be found here.

Yes, and we do not charge a transfer administration fee for managing the process of transferring one superannuation fund to another.

Yes, but only once you have reached your ‘Preservation Age’. Your ‘Preservation Age’ in other words is your retirement age and provided that you meet a ‘condition of release’ at that age then you can flexibly access your funds.

These restrictions are known as the preservation rules. Access to your super is possible when one of the following has happened:

- You turn 65

- You retire from work and have attained your preservation age.

- You have reached preservation age and wish to commence a transition to retirement pension (TTR).

Your preservation age, determined by the Government, is 60; unless you were born in 1964. If you were born before June 1964, your preservation age will be as follows:

Date of Birth Preservation Age
Before July 1960 55
July 1960 – June 1961 56
July 1961 – June 1962 57
July 1962 – June 1963 58
July 1963 – June 1964 59
After June 1964 60

For further information, view the Australian Expatriate Superannuation Fund Member Guide.

Yes, if you are wanting to have a comfortable retirement lifestyle, then it is important that you have adequate savings in place and a great way of achieving this, is by contributing to your superannuation fund.

However, you must be aware of the eligibility conditions in order to contribute to your Super fund. You must also make sure that you are aware of the contribution limits in place so that you do not trigger an unnecessary tax charge.

For further details on the eligibility rules surrounding contributions to your Super, please view the Australian Expatriate Superannuation Fund Member Guide.


Feedback From Our Clients

A heartfelt thank you to the team at IVCM

I could not be happier with the whole process with IVCM. The team were welcoming from my first inquiry even though I was doubtful they could assist after the advice and service from other pension transfer companies. I felt safe with the level of identification I was required to supply, the forms were sent secured by password authentication when required and I was kept informed every step of the way. The fees and charges were explained prior to committing to sign up, were very reasonable and I had the choice of multiple investment options which I chose based on my preference for growth, risk very safe option. I had talked to two other pension transfer companies who could not comply with QROPs and would only be willing to set up a SMSF if I could afford both the outlay, time and had the expertise to conform to the rules. I highly recommend IVCM to anyone wanting to securely and simply get their money into Australia without paying taxes fees or charges unnecessarily.

Mark Kuhn


Extremely Happy

The team was very responsive and the whole process was faster than I expected. I am extremely happy I could transfer my UK pension to Australia in such a simple and efficient manner. I will definitely recommend IVCM to other people I know who want to repatriate their UK pension.

J Gignat


IVCM Made it Easy

To do anything between countries is daunting but IVCM made it as easy as possible Katrina was excellent and kept me in the loop and the weekly information sheet was also a great idea and kept me well informed.

P Falconer


Very Efficient

I found the process to be very efficient, the team always on top of each stage of the process and our thanks to David Johnstone for always being available to answer any questions along the way.

M York


Surprising and Refreshing

Our dealings with some firms in recent years have been difficult, frustrating and ‘cold’, so finding someone who is the exact opposite was as surprising and very refreshing.

P Townsend

Good Experience

This has been a good experience in general, Darren has been very informative and responded quickly with details and answers to any questions we asked which there were a few.

N Bowes

Very Responsive

It is extremely difficult to transfer a UK Pension to Australia and not to fall into any traps or hidden costs, all costs were communicated and very transparent on the IVCM documentation. Everything that was needed was easily at hand with the web site simple to navigate and get the information or forms required very quickly. Thank you to Darren, David and the girls at IVCM.

M Page


Dealing with AESF (IVCM) has been a great experience!

If you are planning to move your overseas pension to Australia, then I would strongly recommend that your first contact should be the Australian Expatriate Superannuation Fund, and this company is also known as IVCM.

IVCM are extremely familiar with all of the complexities of Pension Funds Transfer, and they can guide you every step of the way. All of the staff at IVCM are courteous and extremely willing to provide solutions within the transfer of your Superannuation Pension Funds to Australia. For me, dealing with IVCM was a most pleasant experience from the beginning to the end.

I would like to take this opportunity to wish IVCM every success in the future.

Peter Duxbury



Call us today and let the experts help you

Contact us today for some FREE expert support and guidance and one of our consultants would be happy to answer any questions you have.


Tap here to chat with us

"*" indicates required fields

This field is for validation purposes and should be left unchanged.


1. TAX