Thinking about moving to France from the UK? Whether you're drawn by lifestyle, work opportunities, or retirement plans, moving across the Channel remains a popular and achievable goal for many UK citizens.
It's important you understand the essential requirements and key considerations around relocating to France. In this article, we’ll guide you through everything you need to know when planning your move, from securing a visa to the tax implications. We also include a handy moving checklist at the end.
Visa and residency
One of the key changes since Brexit is the 90/180 rule. You can only stay in the Schengen Area for up to 90 days in any 180-day period. If you want to move to France for a longer duration, you’ll need a French visa or a residency permit.
We go into more detail about the types of visa available and how to apply in our article on applying for French visas and residency, but here’s a brief outline of the steps you’ll likely need to take if you want to move to France for an extended period:
Long-stay visa
Long-stay visas allow you to stay in France for more than 90 days. There are different types, such as work, study, family reunification, or retirement visas. Each has its own requirements and application process. It’s crucial to understand the specific visa requirements and ensure you have the necessary documentation.
Residency permit
Once you arrive in France with a long-stay visa, you’ll need to apply for a residency permit (carte de séjour) within a few months. This permit allows you to legally stay in France for an extended period. The process and requirements vary based on factors like employment status, financial situation, and family ties. It’s important to familiarise yourself with the specific requirements and ensure a smooth transition.
Permanent residency
For those planning to make France their permanent home, it’s essential to understand the process of achieving permanent residency. After residing in France for a certain period, typically five years, you may be eligible to apply for permanent residency. This status grants you the right to live and work in France indefinitely. The requirements may vary, so it’s best to get expert advice when the time comes to apply.
Choosing where to live
Whether you prefer the vibrant city life of Paris, the coastal charm of the French Riviera, or the tranquility of the countryside, there’s a place in France that will feel like home.
Choosing the right location is a crucial decision when planning your move. Consider factors such as climate, amenities, education, job opportunities, and community atmosphere. Research different regions and visit them to find the one that suits your preferences and lifestyle.
Buying or renting property
Finding a place to live in France offers a range of choices, from apartments in bustling cities to charming countryside houses. It’s important to consider your budget, location preferences, and the legal requirements for property ownership or rental agreements.
Working with a reputable estate agent can help you navigate the process and find the right property for your needs. If you choose to buy a property in France, it’s important that you understand the buying process and seek professional guidance.
Healthcare
Healthcare is vital when moving to France. UK nationals who were residents before the Brexit transition period are covered by the Withdrawal Agreement. For those relocating after, understanding the French healthcare system and obtaining adequate coverage is crucial.
The French healthcare system offers comprehensive medical coverage. To access healthcare, register with the French social security system and obtain a carte vitale. You’ll need to submit necessary documents like proof of residency, identification, and income.
When using healthcare services, individuals pay a portion of the costs out of pocket, known as a co-payment or ‘ticket modérateur’. The amount varies based on the service, like doctor visits, hospital stays, or prescriptions. The social security system reimburses a percentage, leaving the individual responsible for the rest.
Many residents choose private health insurance (mutuelle) for additional coverage and benefits like dental care, vision care, and alternative therapies. Compare providers and policies to find the best fit for your needs and budget.
Schooling and education
If you’re moving to France with children, it’s essential to consider their schooling and education. France offers a high-quality education system, both in public and private schools. Public schools are free and follow the French curriculum, while private schools are fee-based and may offer alternative curricula or language immersion programmes.
Researching schools in your desired area and understanding the enrolment process will help ensure a smooth transition for your children. Consider language requirements and any additional support your children may need to adapt to the new education system.
Tax and cost-of-living considerations
When moving to France, it’s important to understand the potential tax implications. If you become a French tax resident, you’ll be subject to French tax on your worldwide income. Additionally, you may need to pay social contributions, which fund healthcare and other services. France and the UK have a double taxation treaty to help prevent being taxed on the same income in both countries.
Other key considerations include wealth tax on significant global assets and capital gains tax on the sale of property or other assets. Given the complexities of the French tax system, it’s wise to consult a tax advisor familiar with cross-border taxation.
It’s also best to think about other potential costs and expenses early on. We have a detailed breakdown of the cost of living in France with some comparisons to the UK, so you can get an idea of how far your income could go.
Currency exchange
Another key thing to consider when moving to France from the UK is how you’re going to handle currency exchange.
It’s likely that you’ll need to send money to or from France as part of your move, whether that’s a large lump sum, perhaps for a deposit on a house, or regular international payments to cover a mortgage or transfer income from a pension.
As currency markets are always moving, the amount you receive for a transfer can vary significantly from month to month. That’s why it pays to work with an experienced specialist.
At Currencies Direct, we can monitor the market for you, providing expert insights, updates and guidance to help you time your transfers and get the most from your money.
You can also use a forward contract to lock in an exchange rate for up to a year, or set up automated regular payments.
If you’re planning on moving to France, it’s worth talking to us to find out how we can help with your currency exchange needs. It’s free to open an account, and there’s no obligation for you to make a transfer once you do.
Your moving checklist
To ensure a smooth and organised move to France, it’s helpful to create a moving checklist. Here are some essential tasks to include:
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Notify relevant authorities: Inform your local council, tax office, and other relevant authorities about your move and update your address.
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Arrange healthcare coverage: Research and secure appropriate health insurance coverage for you and your family.
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Transfer finances: Set up a French bank account and consider transferring funds through a reliable currency exchange service like Currencies Direct.
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Pack and organise belongings: Sort and pack your belongings, making sure to comply with customs regulations for international moves.
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Notify utility providers: Inform your current utility providers of your move-out date and arrange for disconnection of services.
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Research and book transportation: Plan your travel to France, whether by air, train, or ferry, and consider booking a reputable moving company if needed.
Moving to France from the UK may seem daunting, but with the right information and support, it can be a smooth and successful transition. By doing your research and laying the groundwork, you can embark on this exciting new chapter with confidence.
