Recommended UK/Morocco tax advisor

Hello lspicerconsultancy

Welcome to Expat.com 😀

You can also have a look at our Morocco business directory, where you may find accountants or tax advisers in Morocco.

Hopefully, some British retirees will also be able to share personal recommendations based on their own experience.

All the best with your retirement plans!

Cheers,

Cheryl

Expat.com team

Thank you Cheryl.  Quite hoping to hear from some British retirees!

Hi, and welcome to the idea of retiring here!

A few points that may help before you choose an adviser:

1. Treaty first. Under the UK–Morocco Double Taxation Agreement, UK government service pensions (civil service, NHS, teachers, armed forces) generally stay taxable in the UK, whatever your residence. Private and occupational pensions are usually taxable in Morocco once you are tax resident here.

2. The Moroccan relief. For foreign pensions, Morocco gives an 80% reduction on the tax due on the part you transfer definitively into a non-convertible dirham account in Morocco. It is not automatic: you must file an annual declaration (SIMPL-IR) with your pension certificates and bank transfer certificates. Recent finance laws have also changed the rules for basic pensions, so check which of your pensions qualify.

3. Investment income (dividends, interest, ISAs) is treated separately from pensions and does not get the 80% reduction.

4. Get a Moroccan tax residence certificate from the DGI once you are settled. HMRC will want it to stop taxing your private pensions in the UK (form DT-Individual).

On a personal note: I work with a former senior official of the Moroccan tax administration (DGI), now an independent tax adviser. He handles pension declarations, the 80% reduction file, and any issue with the tax office, in French or with English support. Happy to share his details by private message if useful.

Best of luck with the move,

Hamid