Explore the Considerations and Requirements for Retiring to France from the UK!
For decades, France has captivated retirees from all around the world. Its verdant countryside, world-class cuisine and warm climate have made France a top destination for those looking to retire in comfort. As of 2025, it is estimated that more than 150,000 British retirees currently live in France, which is unsurprising given the UK's proximity and long history of intertwined cultural, economic and political relations.
However, with Brexit reshaping the landscape, planning a move across the Channel requires careful consideration. In this blog we'll explore the practicalities of retiring to France from the UK, including visa requirements, monetary considerations, pensions and more, to help you make your decision.
Table of Contents
- Can People from the UK Retire in France Post-Brexit?
- The Benefits of Retiring in France from the UK
- What are Some of the Popular Retirement Destinations in France?
- Money Requirements to Retire in France: Affordability and Planning
- Taxes and Pensions When Retiring to France
- A Close Look at Long-Stay Visas for Retirees
- Retiring to France from the UK: A Summary
Can People from the UK Retire in France Post-Brexit?
Brexit has undoubtedly introduced new administrative hurdles for UK retirees, however, this hasn't prevented many people from choosing to retire in France. The key changes brought by Brexit include more stringent travel and residency requirements, a shift from free movement to the need for visas, and the influence of fluctuating currency exchange rates on financial planning.
UK citizens can no longer travel freely to France for extended stays, without adhering to new legal frameworks. Without a long-stay visa, visits are restricted to 90 days within any 180 days.
Retirees intending to settle in France must apply for a long-stay visa and meet specific criteria, such as proof of financial independence and having the correct health insurance (more details can be found below!). These administrative steps can feel daunting, but the streamlined application processes, including online portals and local prefectures' support, have eased the transition for many UK retirees.
Brexit has also amplified the significance of currency exchange rates, particularly as pensions are often received by many in Pound Sterling (£), but are then spent in Euros (€) when retiring in France. Fluctuations in the Pound-to-Euro exchange rate can impact monthly budgets, making financial planning a critical aspect when retiring to France from the UK. Services that offer favourable exchange rates and management support, like transferring private pensions to local schemes, help mitigate these challenges and can ensure a more stable income.
Key Changes for Retirees to Think About Post-Brexit
- Travel Restrictions: Without a long-stay visa, UK citizens can only spend 90 days within any 180 days in France.
- Residency: Applications for residence permits will now require further documentation, but, the process is streamlined through online portals.
- Currency Volatility: The fluctuating Pound-to-Euro exchange rate brings the requirement for careful financial planning.
Despite these new challenges, many retirees find the effort worthwhile for the benefits of living in France in their later years.
The Benefits of Retiring in France from the UK
Let's first go through some of the benefits available to those who retire in France from the UK.
Excellent Healthcare
One of the most notable advantages that retirees gain when retiring to France is its healthcare system. The healthcare available in France consistently ranks among the best in the world, providing comprehensive care at reasonable costs. For UK retirees, accessing such high-quality healthcare could be a significant improvement to their quality of life, especially with the possibility of utilising the S1 certificate to reduce overall expenses.
High Quality of Life for Retirees in France
Another compelling reason to retire in France is the overall quality of life. From idyllic village life to bustling cities like Lyon and Bordeaux, the country offers something for everyone.
Retirees can immerse themselves in cultural festivals, unique local markets and world-class dining experiences, which all highlight the nation's rich culinary traditions. The slower pace of life in many regions also allows retirees to enjoy daily activities in a relaxed and fulfilling manner.
The Climate and Scenery in France
The climate and scenery in France are equally captivating. Whether you're drawn to the lavender fields in Provence, the snowy peaks of the Alps, or Brittany's rugged coastlines, the country boasts diverse natural beauty that caters to a variety of preferences. Each region offers a unique backdrop for retirees to enjoy outdoor activities from hiking and skiing to leisurely walks by the seaside.
The Community
The sense of community in France is a significant draw for many UK retirees. Regions like Dordogne and Charente have thriving expat communities, which help ease the transition to a new country. These communities provide social opportunities, and support networks, along with the chance to share experiences with like-minded individuals, making the move to France less daunting.
What are Some of the Popular Retirement Destinations in France?
Retiring in Provence, France
In 2025 Provence remains a quintessential choice for retirees, infamous for its sun-drenched landscapes, lavender fields and charming villages. Retirees are often drawn to the region's mild Mediterranean climate, picturesque towns like Aix-en-Provence, and easy access to the French Riviera.
Beyond its natural beauty, Provence offers a vibrant cultural scene with traditional markets, art festivals and world-renowned rose wines, perfect for afternoon tasting. The region's relaxed pace of life encourages morning walks amongst fresh lavender, afternoons spent reading, and evenings spent enjoying good food surrounded by an array of crystal stores and art galleries.
Retiring in Dordogne, France
Often affectionately referred to as 'Little Britain', the Dordogne region holds a special appeal for UK retirees. Its rolling green hills, historic chateaux and medieval villages, such as Sarlat and Bergerac, all contribute to its fairytale charm. The strong expat community found here ensures newcomers find support and camaraderie, while the affordable cost of living makes Dordogne an accessible choice. The region is also known for its duck confit, truffles and fine wines, offering a truly French lifestyle experience.
Retiring in Brittany, France
For those who prefer cooler climates and dramatic coastal landscapes, Brittany is an ideal choice. The region's rugged coastlines, sandy beaches and quaint fishing villages create a serene environment for retirees.
Towns like Dinan and Quimper boast a rich Breton culture which is reflected in the unique architecture, festivals and traditional crepes. Property prices in Brittany are often lower than in other regions and its proximity to the UK makes it convenient for visits from family and friends. The slower pace of life and close-knit communities make it a welcoming haven for retirees.
Retiring in Cote d'Azur, France
The Cote d'Azur, or French Riviera, is synonymous with luxury and glamour. From the blue waters of Nice and Cannes to the artistic allure of Saint-Paul-de-Vence, this region offers retirees an opulent lifestyle.
While property prices are on the more expensive side, the region's unmatched beauty, Mediterranean climate and upscale amenities, justify the investment for those seeking a refined lifestyle. The Riviera's vibrant cultural events, such as the Cannes Film Festival and an abundance of high-end restaurants, make the region a dynamic choice for retirees who wish to remain involved in the social scene.
Monetary Requirements to Retire in France: Affordability and Planning
France offers a wide spectrum of living costs, depending on your chosen region and lifestyle. Compared to the UK, some expenses are more affordable, while others may be higher depending on your lifestyle choices.
Cost of Housing in France
Rural areas and smaller towns in France often have significantly lower property prices and rental costs than in the UK, making them highly attractive for retirees seeking affordable housing. For example, a charming two-bedroom countryside home might cost you around 150,000 to €2000,000 (£125,160 to £166,880) depending on the region.
In areas like Limousin or The Auvergne, prices can be even more competitive, offering excellent value for money. Additionally, the French government offers various incentives for renovating older properties which can appeal to those willing to restore traditional homes. Rental costs are low in rural regions, often half the price of equivalent properties in the United Kingdom.
Average Property Prices Across France
| Region | Average Price (€ p/sqm) | Notable Cities/Towns |
|---|---|---|
| Île-de-France | €6,000 – €11,000 | Paris |
| Provence | €3,500 – €8,000 | Aix-en-Provence |
| The Alps | €3,500 – €8,000 | Chamonix |
| Côte d’Azur | €3,500 – €8,000 | Nice, Cannes |
| Nouvelle-Aquitaine | €2,000 – €3,500 | Bordeaux |
| Brittany | €1,480 – €2,250 | Rennes |
| Normandy | €1,112 – €2,199 | Rouen |
Healthcare Costs in France
To qualify for state coverage, through the Protection Universelle Maladie Scheme (PUMA), retirees are initially required to cover their medical fees. Eligibility for PUMA typically requires a stable and legal residence in France for at least three months. Once enrolled retirees are required to contribute to the system based on income, however, this is still generally more affordable than private healthcare in the UK.
For the period before PUMA eligibility, private health insurance is essential. Premiums for private insurance vary based on factors such as age, existing health conditions and the extent of the coverage. Some retirees choose comprehensive policies that cover everything from general practitioner visits to major medical procedures. Others opt for basic plans, with lower premiums. Despite the initial costs, the investment in healthcare offers peace of mind.
Retirees with an S1 certificate, available to UK pensioners, can access healthcare services at a reduced cost or, in some cases, for free. This certificate, issued by the UK government, ensures medical care costs are covered under reciprocal healthcare agreements, making it an invaluable resource for retirees transitioning to a life in France. The combination of PUMA, private insurance and the S1 certificate, ensures healthcare costs are manageable, allowing those who choose to retire in France the freedom to enjoy life stress-free.
Taxes and Pensions When Retiring to France
Understanding the tax implications of living in France is a crucial step. Retirees may be required to pay French taxes on global income, though the UK-France double taxation treaty ensures you won't be taxed twice.
Pensions: Securing Your Income in France
As a UK retiree, you will be able to continue receiving your state, or private pensions in France. The UK government's agreement with the EU, post-Brexit, ensures that pensioners living in France will receive annual inflationary increases to their UK state pensions.
Transferring Private Pensions
Many UK private pensions can be transferred into a Qualifying Recognised Overseas Pension Scheme (QROPS) in France.
Note: We strongly advise people looking to retire to France from the UK to speak to a tax professional to avoid any unexpected tax liabilities.
Open a French Bank Account
Opening a French bank account simplifies receiving pension payments and managing your everyday finances. This is where a service, like ours, at EasyFX, can ensure you get a competitive Pound-to-Euro exchange rate, every time and are not charged high fees (like when you use your regular bank) for sending your money to your new French bank account.
A Closer Look at Long-Stay Visas for Retirees Moving to France
Before Brexit, UK citizens were able to enjoy the freedom of living and working anywhere in the EU. However, since the UK's departure from the EU, retiring to France involves adhering to third-country national rules.
In short, this means UK retirees must now apply for a long-stay visa if they wish to stay and live in France for an extended amount of time.
The Long-Stay Visa Process
For UK retirees, the most important visa is the Visa de Long Sejour (VLS-TS), which allows retirees to reside in France for up to one year.
The key requirements for this include:
- Proof of sufficient income: Retirees must demonstrate financial stability, typically through pension income or savings. The income threshold is generally aligned with France's minimum wage, which is €1,801.80 per month as of 2025.
- Comprehensive health insurance: Non-EU citizens need private health insurance that meets French requirements until the point that they qualify for the French healthcare system.
- Proof of accommodation: Evidence of a long-term rental agreement of property ownership is essential.
Once in France, you will be able to apply for a residence permit, otherwise known as "titre de sejour", to extend your stay.
Retiring to France from the UK: A Summary
Retiring to France from the UK is more than a change in scenery, it's an adventure. From savouring croissants on a sunny street to strolling through pristine villages.
France offers retirees a blend of cultural enrichment, slower living and affordable luxury that is hard to resist. However, making the transition requires thoughtful planning and a clear understanding of the practicalities involved. Although navigating the French healthcare system, obtaining a visa and understanding tax obligations might seem daunting at first, they are manageable with the right preparation.
For many UK retirees, France represents a balance between affordability and quality of life. Whether it's the rolling countryside of Normandy, the sun-soaked coastlines of the French Riviera, or the vibrant streets of Paris, the diversity of lifestyles and landscapes ensures you will find the perfect location for your needs.
Planning your move well in advance, consulting with experts, and seeking advice from those who have already made the transition, will all make the process smoother.
Manage Currency Exchange Impact with EasyFX
If you've already begun your retirement in France journey and opened a local French bank account, it's important to consider the best ways to transfer money to France from your UK bank account.
Many people overlook the high fees and unfavourable exchange rates offered by popular UK banks, which can result in unnecessary losses.
At EasyFX, we specialise in foreign exchange and regularly assist retirees abroad in transferring and managing their money across borders. As a company regulated and authorised by the FCA, we ensure customer funds are secure in segregated accounts at all times.
Our mission is to make international money transfers simple and affordable, for everyone.
We achieve this by offering competitive, fair exchange rates with no additional transfer fees for international transactions to France.
If you need to make regular international transfers to France from the UK as part of your retirement plans, get in touch with our team of experts today for personalised support and guidance or sign up for free and get a quote!
Need to Send Money to France, or back to the UK? We Can Help.
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