Pensions in the United Kingdom are made up of both state and private systems, which expats should understand when planning long-term finances. For expats, most employees are automatically enrolled into a workplace pension once they meet eligibility criteria, with contributions made by both the employee and employer. Expats in the UK can opt out, but doing so means losing employer contributions. In addition, expats who work and pay National Insurance contributions may become eligible for the UK State Pension, depending on how many qualifying years they build up. Expats in the UK should be aware that the State Pension age and rules can change, and eligibility may be affected by time spent abroad. Many expats also keep private or overseas pensions alongside UK schemes. Because pension rules can be complex, especially when crossing borders, expats are advised to seek professional financial advice to coordinate UK and international retirement planning effectively.