# What is UFPLS on a pension?

> Quick answer · Last updated 4 July 2026

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## In short

Uncrystallised Funds Pension Lump Sum — taking ad hoc lump sums directly from uncrystallised pension funds. Each withdrawal is 25% tax-free and 75% taxed as income.

UFPLS suits one-off needs without setting up a full drawdown plan.

Taking taxable UFPLS flexibly can trigger the Money Purchase Annual Allowance.

See pension crystallisation guide for alternatives.

## Related

- [Pension crystallisation](https://moneyguide.org.uk/pensions/pension-crystallisation-explained/)
- [Drawdown income guide](https://moneyguide.org.uk/pensions/pension-drawdown-income-guide/)

## Primary source

gov.uk/tax-on-your-private-pension/what-you-can-do-with-your-private-pension-pot

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.