Hi I have been out for a few months and live outside the UK which seems to be the intention of most squaddies coming to the end of there service! So I thought I was pass on a few of my experiences which may help: Pension, the big one. By living outside of the UK, this is classed as your sole income so you receive all of the tax free threshholds etc, so for me on a WO2 pension with commutation, I pay only 50 quid a month tax! Taxation. Check that the country you are going to has a Double Taxation Agreement so that they do not tax this pension again. NI contributions: Not paying, but still keeping an eye on if they drop the qualifying period. This is a very personal thing tho' and for me it was just not worth it. Getting yr cash: I use a HSBC Bank Acc Plus which costs 11 quid a month. for this I get no charges on overseas cash withdrawls from a hole in the wall and full world travel insurance. The savings on charges easily makes the 11 quid worth it. Also hole in the wall cannot be traced by the country you are living in. Lump Sum. Be careful about bringing it into yr new country, they tried to tax mine until I showed the double taxation agreement. Basically, check it out before moving it. Address: Try to keep at least 1 UK address, be it Brother, pal etc. Banking in General: I find HSBC to be good, mainly as it is international and the online banking does pretty much everything, also the service is good. Else: Look into converting your final move into cash, which you can then use to put towards your relocation costs. Hope this is of use, any more additions from squaddie refugees are most welcome!