Moving to Turkey
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Moving Checklist
Before & after arrival
Relocation Timeline
Week-by-week what to expect
Cost of Living
Budgets across major cities
Healthcare in Turkey
Insurance, SGK, hospitals
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UK to Turkey Relocation Guide 2026
Moving from the UK
to Turkey: Complete Guide
Everything British nationals need to know about relocating to Turkey — HMRC, National Insurance, State Pension, post-Brexit rules, NHS, banking, and obtaining your Turkish residence permit.
Last updated: 2026. HMRC rules and NI contribution rates are updated each tax year. Verify current thresholds with a qualified UK expat tax advisor (e.g., via the Chartered Institute of Taxation) before departing.
Why Brits move to Turkey
One of Britain's most popular expat destinations.
Turkey has been a top destination for British expats for decades — particularly Fethiye, which is home to the single largest British community outside of Europe. The combination of warm climate, English-speaking services, affordable costs, and direct flights makes Turkey a natural choice.
The post-Brexit landscape has not significantly changed the rules for British nationals in Turkey, since Turkey was never part of the EU freedom of movement system. The same residence permit process that applied before Brexit still applies today.
British advantages
- Visa-free entry (unchanged post-Brexit)
- Direct flights from many UK airports
- Turkey's largest British community in Fethiye
- English widely spoken in expat areas
- UK pension paid without freezing
- UK-Turkey social security agreement
Key challenges
- HMRC Statutory Residence Test is complex
- NHS access lost after 3 months abroad
- ISAs frozen to new contributions
- NI contribution gaps affect State Pension
- UK CGT on some assets remains
- Some UK banks close non-resident accounts
Before you leave the UK
Your UK departure checklist.
Completing these steps correctly protects your UK pension, State Pension, and tax position — and prevents HMRC complications after you've left.
Notify HMRC of departure
Complete form P85 to tell HMRC you're leaving the UK. This triggers a tax residency review and determines your UK tax status going forward. You can submit P85 online via HMRC's website (gov.uk/tell-hmrc-about-a-change-of-name-or-address). HMRC will confirm your non-resident status and adjust any outstanding PAYE codes. Allow 4–6 weeks for processing.
Apply for Statutory Residence Test
The Statutory Residence Test (SRT) determines whether you remain a UK tax resident after leaving. Spending fewer than 16 days in the UK per year (or 46 days if you have no UK ties) is the key threshold. The SRT has three parts: automatic overseas test, automatic UK test, and sufficient UK ties test. Most expats who spend fewer than 16 days in the UK satisfy the automatic overseas test. HMRC publishes an official SRT indicator tool at gov.uk.
Handle National Insurance contributions
You can pay voluntary Class 2 or Class 3 NI contributions while abroad to protect your UK State Pension entitlement. This is often highly cost-effective. You can pay voluntary NI from abroad by standing order. Class 2 (for self-employed, ~£3.45/week in 2024/25) is the cheapest option if eligible. You need to apply via HMRC CF83 form to pay from abroad. Each missing qualifying year costs you roughly £5.80/week in eventual State Pension — making Class 2 payments nearly always cost-effective.
Notify your UK bank
Most UK banks can keep non-resident accounts open, but some restrictions apply. Barclays, HSBC, and Lloyds generally maintain accounts for expats. Confirm before you leave. Monzo and Starling maintain accounts for non-residents, as does HSBC Expat. National Westminster and Lloyds may close accounts. Wise provides a UK account number and sort code that works as a bridge for direct debits and incoming payments while you settle your Turkish banking.
Address your NHS entitlement
After leaving the UK for 3+ months, you lose automatic free NHS access. You'll need Turkish private health insurance. Consider BUPA International or Allianz Care for comprehensive expat coverage. Register with a Turkish private insurer before you cancel any UK health cover — there should be no gap in coverage. If you have an ongoing treatment or referral, discuss timing with your GP. Stock up on regular medications or check availability in Turkey before leaving.
Sort pensions and investments
Notify your UK pension provider of your overseas address. UK pensions can continue to be paid abroad. ISAs become frozen (no new contributions) but existing holdings are retained. For defined contribution pensions, check whether your provider has any restrictions on foreign addresses. SIPP holders can manage their SIPP from abroad. For defined benefit (final salary) schemes, you can usually take deferred benefits at retirement regardless of where you live.
Pre-departure checklist
Full checklist for British nationals.
The HMRC Statutory Residence Test determines your UK tax status going forward. Getting this wrong can result in continued UK tax liability even after you've settled in Turkey.
Before you leave the UK
Complete before or on your departure date
- Submit P85 form to HMRC (online via gov.uk)
- Apply the Statutory Residence Test to your specific situation
- Decide on voluntary NI contributions (Class 2 via CF83 form)
- Notify UK pension provider and DWP of overseas address
- Freeze ISA contributions — keep existing holdings
- Notify UK banks of non-resident status (Wise/Starling as backup)
- Cancel NHS registration — arrange Turkish private health insurance
- Redirect Royal Mail and notify key creditors
After you arrive in Turkey
Complete within your first 90 days
- Get Turkish tax number (vergi kimlik numarasi) within first week
- Register address at Nüfus Müdürlügü (required for ikamet)
- Get Turkish private health insurance (required for ikamet)
- Apply for Turkish residence permit (e-ikamet) within 90 days
- Open a Turkish bank account (Garanti BBVA or Ziraat Bankasi)
- Register Turkish address with UK pension/DWP providers
UK tax & pension questions
Tax questions for British expats.
Legal disclaimer: This information is for educational purposes only and does not constitute financial or tax advice. UK tax residency rules under the Statutory Residence Test are complex. Consult a qualified UK expat tax advisor before making decisions about your residency status or National Insurance contributions.
Where Brits settle
Most popular cities for British nationals.
Fethiye
Home to Turkey's largest British expat community. English widely spoken. Very affordable coastal living.
Antalya
Large British and German community. Direct flights from UK. Established English services and schools.
Istanbul
For British professionals. International schools, business community, direct British Airways/Turkish Airlines flights.
Cost comparison
UK vs Turkey: cost of living.
The UK cost of living crisis has accelerated emigration to Turkey. British retirees and remote workers find that a comfortable Turkish lifestyle costs 50–65% less than an equivalent life in the UK — and the climate is dramatically better.
Full cost of living guidePractical guide
Getting established in Turkey as a British expat.
Britain has a long history of emigration to Turkey. These practical details are specific to British nationals settling in Turkey.
Fethiye: the British expat heartland
Turkey's largest British expat community outside Istanbul. English is the de facto second language in the Hisarönü and Ölüdeniz areas. British-style pubs, English-language notaries, and British estate agents are readily available. Flights from the UK: TUI, Jet2, and EasyJet fly seasonally to Dalaman (DLM) airport, 20 minutes from Fethiye. Year-round connectivity is available via Istanbul.
UK banking from abroad
Many British expats find their UK bank sends letters threatening account closure once non-residency is detected. A Wise multi-currency account (with UK bank details) is the most practical bridge — keep it funded for UK direct debits. NatWest and Lloyds are the most likely to close accounts; Starling and Monzo are more non-resident-friendly.
UK consulate in Turkey
The British Consulate General is in Istanbul (Mesrutiyet Caddesi, Beyoglu). For consular emergencies outside Istanbul, contact the FCDO (Foreign, Commonwealth and Development Office) helpline. The consulate handles emergency travel documents, notarial services, and can provide assistance in crisis situations.
UK-Turkey social security agreement
Turkey and the UK have a social security agreement. However, SGK contributions paid in Turkey do NOT count towards the UK State Pension. If you care about your State Pension entitlement, pay voluntary UK NI contributions from abroad (Class 2 via CF83 form) — this is almost always cost-effective given the eventual pension uplift.
Essential guides for your move from the UK
Residence Permit Guide
Turkish ikamet application step-by-step
Living in Fethiye
Turkey's largest British expat community
Healthcare in Turkey
Replacing the NHS with Turkish private insurance
Cost of Living
UK vs Turkey cost comparison
Banking in Turkey
Open a Turkish bank account as a British national
Double Taxation Treaties
UK-Turkey tax treaty explained
Relocating from another country?