World leaders in QROPS Pensions



In excess of 14,500 pensions under management from our offices in
Gibraltar and Malta.



STM administers pensions for clients from all over the world. Currently this equates to having clients in 106 countries.



And flyers detailing country specific advice
– including local tax treatment
of pension income.

Where a QROPS is concerned, it’s true to say that one size does not fit all. Our people maintain up-to-date knowledge and technical understanding of the ongoing issues faced by clients and advisers, both in the UK and further afield.


STM was formerly known as BDO Fidecs and prior to its flotation on the London AIM, it was the Gibraltar member firm of the BDO International Accountancy Network. The origins of the business date back to 1989, with many of our original clients and intermediaries still continuing to do business with us 25 years later.


As one of the first multi-jurisdictional
QROPS providers we are experts and pioneers in our field. We have worked closely with HMRC, the Gibraltar FSC and the Malta FSA to produce recognised overseas pension schemes that will stand the test of time and meet regulatory changes.

Client focus

We are at the forefront of developing best practice in the administration and delivery of a QROPS. The service we deliver to our clients is at the heart of everything we do. Our business model and processes are built around our clients to ensure we deliver only the highest standards of client care.

Listed on the LSE

As a listed company, STM Group is required to abide by strict financial and corporate governance guidelines, giving clients and intermediaries comfort in the knowledge that the administration of their pension is in safe hands.


We do not provide investment advice or management. As a truly independent multi-jurisdictional Administrator and Trustee our concern is only for our clients and intermediaries who are free to choose who looks after their investments.

No hidden charges

We provide a high quality service with all fees included and made clear from the onset. Our independence allows us to remain impartial, offer the best advice, and recommend and/or work closely with the most suitable advisers and service providers when implementing tailor-made solutions with maximum transparency and no hidden fees and charges.

Discover the benefits of a QROPS from STM
Simply fill in the form or contact one of our regional specialists

Anthony Lowes

Business Development Manager
Europe & Israel
T: +34 711 034 156

Stuart Denness

Managing Director
T: +61 (0)450573371

    Country of residence (required)

    STM Fidecs Pension
    Trustees Limited

    3rd Floor
    55 Line Wall Road
    Gibraltar, GX11 1AA

    T (+350) 200 45877
    T (+350) 200 42686

    Regulated by the Gibraltar Financial Services Commission – permission number: 5978. Gibraltar Company registration number: 85583.

    STM Fidecs Life Health
    and Pensions Limited

    3rd Floor
    55 Line Wall Road
    Gibraltar, GX11 1AA

    T (+350) 200 45877
    T (+350) 200 42686

    Regulated by the Gibraltar Financial Services Commission – permission number: 9034. Gibraltar Company registration number: 97110.

    STM Malta Pension
    Services Limited

    San Gwakkin Building
    Level 1
    Triq is-Salib tal-Imriehel
    Zone 4 – Central Business District
    Birkirkara, CBD4020

    T (+356) 213 33210

    STM Malta Pension Services Limited is registered as a Retirement Scheme Administrator with the Malta Financial Services Authority. It is also authorised to act as trustee or co-trustee to provide fiduciary services in terms of the Trust and Trustees Act. Company Registration number: C51028

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