Gibraltar Workplace Pensions – Complete Guide 2025

If you're operating a business in Gibraltar, the Private Sector Pensions Act 2019 is legislation that you need to have firmly on your radar.

The Act, which was introduced to ensure that all eligible employees in Gibraltar's private sector have access to a pension scheme, has been a reality for the Gibraltar's largest employers since 2021. And now, with a phased implementation to assist businesses to prepare, the deadlines are fast approaching for Gibraltar's medium and smaller employers.

This article is intended to walk you through the legislation, set out what actions you need to take and when, and explain how Sovereign can help you stay compliant and identify and establish the most suitable pension scheme for your business and employees.