International Banking Solutions — for Globally Mobile Individuals
Managing money across borders is one of the most practical challenges for expats and international investors. From offshore accounts and multi-currency banking to international transfers and property finance, we guide clients to the right banking solutions for their situation — drawing on 32 years of experience with internationally mobile individuals and high-net-worth expats.
The international banking challenge
Common banking problems for expats
- UK bank closes your account when you move abroad and become non-resident
- Cannot receive foreign currency income without costly automatic conversion
- High FX fees on every international transaction — 2–4% is common at high-street banks
- No local mortgage available for a foreign property purchase
- Difficulty opening accounts in new countries without a local address or credit history
- SWIFT transfers are slow and fees are unpredictable due to correspondent banking charges
What international banking provides
- Offshore accounts accessible from anywhere in the world, with no residency restrictions
- Multi-currency accounts to hold GBP, USD, EUR, AED, and other currencies simultaneously
- Competitive FX rates through specialist brokers — often 0.5–1% vs 3–4% at banks
- International mortgage lenders experienced with non-resident borrowers
- Documentation support and relationship-led banking introductions
- Forward contracts to fix exchange rates for future large transactions
International banking — specialist services
Six areas where we provide direct guidance and introductions to the right banking solutions for internationally mobile individuals.
Offshore Bank Accounts
Isle of Man, Channel Islands, Cyprus, Dubai, and Singapore. Multi-currency, internationally accessible, and fully compliant.
Explore offshore accounts
Multi-Currency Accounts
Hold GBP, USD, EUR, AED, and more simultaneously. Convert on your terms, not your bank's.
Explore multi-currency
Expat Mortgages
Finance UK, UAE, Spanish, and Cypriot property as a non-resident through specialist lenders.
Explore expat mortgages
International Transfers
SWIFT, SEPA, specialist FX providers, and forward contracts — reduce the real cost of sending money abroad.
Explore transfers
Private Banking
Dedicated relationship managers, premium rates, bespoke lending, and investment platform access for HNW clients.
Explore private banking
Digital Banking for Expats
Wise, Revolut, neobanks, and managing UK accounts from abroad — the digital toolkit for internationally mobile individuals.
Explore digital bankingInternational banking — topic by topic
Eight areas covering everything internationally mobile individuals need to know about banking, transfers, FX, and property finance.
International Banking Overview
Why expats and international investors need specialist banking solutions.
Read guidesOffshore Bank Accounts
Opening and managing offshore bank accounts in Isle of Man, Channel Islands, Cyprus, Dubai, and Singapore.
Read guidesMulti-Currency Banking
Managing income and assets in multiple currencies — accounts, cards, and hedging.
Read guidesInternational Transfers & Payments
How to send money internationally — SWIFT, SEPA, correspondent banking, and alternatives.
Read guidesForeign Exchange & Currency
FX rates, currency exchange, hedging strategies, and managing currency risk for expats.
Read guidesDigital Banks for Expats
Wise, Revolut, Monzo, N26, and other digital banking solutions for internationally mobile individuals.
Read guidesInternational Mortgages
Financing property purchases abroad — international mortgage lenders, LTV ratios, and documentation.
Read guidesInternational Business Banking
Business accounts, merchant services, and banking solutions for internationally mobile business owners.
Read guidesRecommended solutions by situation
Not sure where to start? Choose the situation that best describes where you are.
Just moved abroad
Your UK bank may restrict or close your account once you are non-resident. You need an offshore or international bank account that stays accessible wherever you live — and a multi-currency card for day-to-day spending.
Read: Offshore accounts guide →Running an international business
Receiving client payments in multiple currencies, paying overseas suppliers, and managing business cash across jurisdictions requires specialist business banking — not a high-street account with high conversion fees.
Read: International business banking →Property purchase abroad
Financing a property purchase in another country requires an international mortgage or local lender — LTV ratios differ from UK norms, documentation requirements are extensive, and currency risk must be managed throughout the process.
Read: International mortgages →Receiving income in multiple currencies
If you receive a salary, pension, or rental income in more than one currency, constant conversion is costly. Multi-currency accounts let you hold, spend, and transfer in each currency on your own terms.
Read: Multi-currency banking →International banking guides
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ReadAnti-Money Laundering Requirements for Offshore Bank Accounts
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ReadAre Challenger Banks Suitable for Expats? An Honest Assessment
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ReadAsset Protection Banking Structures for HNW Individuals
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ReadSpeak to a banking specialist
Get independent guidance on offshore accounts, international transfers, FX strategy, and banking as an expat — from advisers who understand the practical realities.
Speak to our banking specialist
Every client's banking situation is different. Whether you need an offshore account, help reducing international transfer costs, an introduction to a currency broker, or guidance on financing a property abroad — speak to a specialist who understands the practical realities of international banking.