If you left a workplace pension behind in England and now live in Spain, you could one day be offered a ‘pension for life’ on it. The catch is that the plans don’t mention savers living abroad, and Spain taxes the money in its own way.

Old pots are covered, not just new ones

Brits who left a workplace pension behind in England are included in the plans Pensions Minister Torsten Bell announced on Tuesday November 3, and not just people who are still paying in. Under the Guided Retirement proposals, workplace pension providers would have to offer a default pension, which is a ready-made income that carries on for life, whenever a saver asks to start taking their money.

The consultation says that includes deferred pots (old pensions left behind after changing jobs) and people already in drawdown (taking money out of the pot bit by bit), as long as they aren’t in a default pension already. Final-salary schemes are left out, and so are tiny deferred pots of £1,000 or less.

Savers could still say no

Savers could turn the default down and choose something else, and nothing would be paid out until they ask for it and confirm their bank details. If they never get in touch, the money would simply stay invested. 

For pots above £10,000, the default would have to keep paying for life, so taking the money out bit by bit would be unlikely to count on its own. Some defaults could come from new collective schemes, which pool savers’ money so nobody carries the risk of outliving their pot alone. However, the government’s response says the pension increases wouldn’t be guaranteed and benefits may fluctuate.

The reason for all of this is that around 46 per cent of first-time pension withdrawals in 2025/26 emptied the whole pot, the government says.

Nothing in the paperwork mentions savers abroad

The obvious question for anyone living in Spain is ‘does this apply to me?’, and so far the paperwork doesn’t answer it. Neither the consultation nor the government’s separate response on collective schemes mentions savers who live overseas.

It’s early days, though. The consultation is open until Tuesday December 22, with the collective schemes rules open until Tuesday December 15, and the indicative timetable has providers complying from summer 2029. Those dates could still change. 

Spain will tax the money in its own way

Unfortunately for brits in Spain, Britain’s plan can’t change Spanish tax rules. Under the UK-Spain tax treaty, most UK pension income, including lump sums, received by someone living in Spain is taxed here, and the UK’s 25 per cent tax-free lump sum has no Spanish equivalent once you’re a tax resident. 

So emptying a whole pot, as so many UK savers do, could mean paying Spanish tax on all of it as ordinary income, without the quarter that’s tax-free in Britain. Spain already treats the UK State Pension as income for residents too, as EWN has previously reported.

Until the rules are final, anyone in Spain with an old UK workplace pot should speak to their provider and a cross-border tax adviser before taking money out, because the Spanish tax bill depends on Spain’s rules, whatever Britain decides.

Shopping and eating local produce has become a priority for many people, a fresh vegetable that hasn’t travelled across the world to get to your plate is far less preferable to something grown and harvested just on your doorstep. One customer has now challenged the well known supermarket over an apparent labelling discrepancy in Spain, raising questions about food origins and shoppers’ right to know where their fresh produce comes from.

Mandarins from thousands of miles away

Aldi is facing questions after a shopper reportedly discovered that mandarins displayed as Spanish at one of its Spanish supermarkets were delivered in boxes identifying South Africa as their country of origin. The complaint concerns an Aldi store in Oropesa del Mar, in Castellon province, and was reported by Spanish publication Merca2 on November 3, 2026.

According to the report, the customer shared an image on X, formerly Twitter, showing the delivery-box label along with the supermarket’s fruit display. The shopper claimed that the store was advertising the mandarins as Spanish, despite the packaging stating that they came from South Africa. The apparent contradiction prompted the customer to challenge Aldi publicly and demand that the information be corrected.

What did Aldi say about the mandarin complaint?

Merca2 reports that Aldi asked the customer to provide further details so that the matter could be investigated internally. No outcome has been reported, and is still unclear whether the discrepancy resulted from an incorrect shelf label, a stock change or another administrative mistake. There is also no evidence that Aldi deliberately misled shoppers, but it raises a question of do we really always know where our food comes from.

What do EU rules say about fruit origins?

Supermarkets in Spain must provide customers with accurate information about the origins of fresh fruit and vegetables.

Under EU Delegated Regulation 2023/2429, which applies to fruit marketing standards, country-of-origin information must be clearly displayed and must not mislead consumers. Article 7 requires retailers to show this information prominently and legibly next to the produce. If mandarins grown in South Africa are presented as Spanish, this could breach the applicable consumer information rules..

Why the origin matters to shoppers

Spain has a long-established citrus industry, particularly in Valencia, Andalucia and Murcia, where oranges and mandarins are important agricultural products. Imported citrus is perfectly legitimate, and South African mandarins are regularly sold in European supermarkets. The important issue is that customers should be told accurately where their fruit was grown.

For shoppers who prefer to support Spanish farmers and local producers, clear labelling makes it easier to choose home-grown produce. British residents living in Spain may also find it useful to check the country-of-origin information on supermarket shelf labels rather than relying on the fruit variety or packaging. A mandarin variety such as Tango does not necessarily indicate where it was grown.

Shoppers should be able to trust the information provided by their supermarket and be able to confidently source produce grown close to home.