Aurora Europa Pensions Trust
Aurora Europa Lite Pensions Trust
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The schemes have been approved by the Gibraltar Commissioner of Income Tax and are listed by HMRC as Qualifying Recognised Overseas Pension Schemes (“QROPS”), meaning that they can accept recognised transfers from UK registered pension schemes.

Concept has developed the Aurora Europa QROPS, available to Gibraltar resident and non-resident individuals, to provide a personal pension which is secure, flexible and competitively priced.

The schemes will be attractive to individuals with UK accrued pension benefits who wish to transfer these to an overseas arrangement, with Gibraltar benefitting from a simple and transparent framework in respect of taxation of pension benefits, with just 2.5% Gibraltar tax deducted at source prior to payment of regular income.

Aurora Europa Lite Pensions Trust accepts pension transfers from just £25,000 with no maximum value and can hold a single custodian, such as a Bond or Investment Platform (subject to any investment product minimum). The schemes allow additional contributions to be made, allowing a low level of entry. The fees are market leading.

The schemes are managed by Concept Trustees (Gibraltar) Limited, a Gibraltar licensed subsidiary of Concept Group Limited (“Concept”).

Concept was the very first provider, anywhere in the world, to develop and launch multi-member personal pension QROPS, and as such, are vastly experienced in the provision of QROPS and of managing pension transfers.

General Benefits:

  • Concept has significant experience in international pensions provision and expertise in handling pension transfers;
  • The Scheme provides efficient take-on and ongoing administration;
  • Simple, pre-populated account opening documentation exists with numerous major life companies;
  • The Scheme is competitively priced, with transparent costs;
  • The Scheme is open to both residents and non-residents of Gibraltar;
  • No maximum value.




For further information on the Aurora Europa Pensions Trust and/or Aurora Europa Pensions Contract, including the applicable charges and any documentation required, please contact a member of the Sales Team:

Contact the Sales Team


Scheme Rules

Aurora Europa Pensions Trust Scheme Rules

 Aurora Europa Lite Pensions Trust Scheme Rules

Concept Trustees (Gibraltar) Limited

Concept Trustees (Gibraltar) Limited.
PO Box 1161
Office no. 3
4 Pitman’s Alley
Main Street
GX11 1AA





+ 350 200 76789

+ 350 200 70481