401(k) withholding - USC in U.K.

Just getting a head start for 2022. I'll begin receiving periodic distributions from a 401(k) this year. As a USC, is there Federal Tax withholding from a 401(k) & if so what percentage? (my address of record is in the U.K., although paid into my U.S. bank).

The answer will impact if I should pay estimated tax this year via my refund. If they don't withhold, then i'm going to need to pay some estimated figure from the refund and although i've never paid ES tax before I believe Taxact walk you through the process, (once they've done their update to incorporate estimated tax that is)! 

My thought would be to estimate, income for 2022, assuming the 401(k) comes to me gross. Then there's the unpredictable income like Premium Bond and lottery wins, (not getting excited about Agent Million, but it can add up to several hundreds a year). I'd prefer to well and truly overpay and then adjust for 2023 based on if the 401(k) come gross or not. I understand that any amount of the estimated tax paid can be refunded as a credit come next tax time, or simply carried forward year after year, which would be more appealing.

I'd appreciate any thoughts...

Thanks

I would contact your 401k provider and ask them. Your first estimated payment is not due until your file, or April 15 so you have plenty of time.  Now that you have an IRS account it should be easy to make estimated payments online.

This year (2022) I made my first Roth withdrawal and that was subject to a mandatory 10% withholding even though no taxes are paid on Roth withdrawals, so I will be adjusting my estimated taxes accordingly this year.

I would contact your 401k provider and ask them. Your first estimated payment is not due until your file, or April 15 so you have plenty of time.  Now that you have an IRS account it should be easy to make estimated payments online.

This year (2022) I made my first Roth withdrawal and that was subject to a mandatory 10% withholding even though no taxes are paid on Roth withdrawals, so I will be adjusting my estimated taxes accordingly this year.

Hopefully I can pay from the refund rather than from my IRS account. Easy to make payments from the account via bank ACH though. Interesting if you select the estimated tax option it doesn’t subdivide into 4 payments, just the one. It is curious why you can only make two card payments though per year. Realistically, the only option for those with no U.S. bank.