If your gross income is more than your personal allowance, you're liable to pay income tax on the amount that exceeds the personal allowance. Different rates of income tax apply depending on the type of income and how much it is. The State Pension is paid to you gross (before any tax is deducted).
The above quote is from a google search on the question.... "Is the state pension taxable"
perhaps you should have asked HSBC they seem fairly skilled at reducing or eliminating the Tax of customers.
Quote from: PeterLoftus I and my wife are now pensioners and we have to employ a firm of accountants to sort out our tax affairs
not entirely though they seem to be more in the habit of just not informing various nations that customers have accounts with them
just because your paranoid doesn't mean they aren't out to get you