Ahhh..the personal pension....just like mine, in 10 months time....yes..it can be taken out there, the best way I have found is join the Nationwide Building Soc. and get it put in a Cash card account...you then can use the card anywhere in the world......anywhere... and Pay NO FEE'S on your withdrawl's...and you can take out as much as you want (up to 300 quid a day) best to manage it online though...I used mine for 2 years in Guangzhou and HK. and never had any problems at ALL !!! and we used it in Manila also with no problems (use the main banks though) hope this helps you mate..