• Moving to the UK Checklist

    Moving to the UK is an exciting and life-changing time - but there's an awful lot to think about and put in place both before and after your move.

    Here's a checklist to help you to make sure that you are fully prepared for the move.

  • Before you move

    1.

    Check visa and work permit requirements

    If you're not a British or European Economic Area (EEA) citizen or a Swiss national, you might need a visa. Check whether you need a work permit too. If you do, your employer in the UK must apply for one on your behalf.

    More information is available on the HMRC website

    2.

    Arranging your banking

    Opening a UK bank account can be difficult and time-consuming especially if you're not familiar with the UK banking system. That's why it can be a good idea to open an international account before you move as it will ensure that you always have access to your finances.

    3.

    Apply for a European Health Insurance Card

    If you're an EU resident you can apply for a European Health Insurance Card (EHIC) before you move or after you arrive in the UK. It gives you access to healthcare provided by the National Health Service (NHS) - the UK's State health service - at a reduced cost or for free.

    Find out more on the NHS website

    4.

    Prepare to rent or buy a property

    • Choosing a place to live can be difficult. Our online cost of living and property guides offer valuable information about buying and renting in different locations.
    • When you first come to the UK, you might choose to rent. Letting agents and landlords usually require you to pay a deposit and at least a month's rent in advance so make sure you have enough money saved to meet these initial costs. You may need photo ID and evidence that you can afford the rent, such as payslips or an employment contract.
    • Once you are established in the UK, you may need a mortgage to buy a house or flat. You should work out how much you will be able to borrow, what monthly mortgage repayments you will be able to afford and how much of a deposit you'll need. Lenders will assess your income and outgoings, your credit history and the value and condition of the property you want to buy.
    • You may want to buy a property to rent out to someone to generate additional income. In most cases, you will need to arrange a buy-to-let mortgage. Lenders will usually assess the affordability of a property on the rental yield - the amount of rent that it will earn.

    When you arrive

    1.

    Arrange your banking

    You may find it difficult to open a UK bank account when living overseas. However you can open an international bank account before you move so you can access your money, pay bills, set up standing orders and transfer or receive money from home.

    2.

    Arrange utility bills and Council Tax payments

    • Contact the gas, electricity and water companies and set up or transfer utility bill accounts to your name.
    • Contact your local council so Council Tax bills can be issued to you. Check whether you're exempt or eligible for a reduction on the Government website.

    3.

    Register for a National Insurance number

    Whether you're employed or self-employed, you must register for a National Insurance (NI) number. Most people have to pay NI contributions.

    Find more information on the HMRC website.

    4.

    Check your tax requirements

    You'll pay income tax and National Insurance through a system called PAYE (pay-as-you-earn). If you're self-employed, you must complete your own tax return and pay any income tax owing at the end of the tax year.

    5.

    Register as an NHS patient

    Register with your local doctor's surgery - they will usually ask you to complete a form and provide proof of address. To find local doctors' and dental surgeries, visit the NHS website and type in your post code.

    6.

    Apply for school places

    Most schools in the UK are State-run. These are free for your children to attend but they have different admissions criteria. Contact the education department of your local council for a list of schools with places available and advice on how to apply.

    7.

    Make sure you can drive in the UK

    Find out how long you can drive on your existing licence in the UK or if you need to apply for a UK licence on the Government website.

  • How we can help

  •  

    Moving abroad

    Planning on working or retiring overseas? We could help you keep your finances running smoothly.

    Moving abroad (Moving abroad)

Our International services are offered by Lloyds Bank International Limited, Lloyds Bank (Gibraltar) Limited & Lloyds Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Lloyds Banking Group carried out from offices outside of the United Kingdom.

Lloyds Bank International Limited. Registered office and principal place of business: P.O. Box 160, 25 New Street, St. Helier, Jersey JE4 8RG. Lloyds Bank International Limited is incorporated in Jersey, No. 4029 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Lloyds Bank International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.

The paid up capital and reserves of Lloyds Bank International Limited was £923m as at 31st December 2016.

Lloyds Bank International Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Guernsey branch of Lloyds Bank International Limited, principal place of business PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Lloyds Bank International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £ 100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or on request from Telephone: +44 (0) 1481 706359 or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD.

The Isle of Man branch of Lloyds Bank International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International Limited is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank (Gibraltar) Limited. Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business. Lloyds Bank (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme and a participant in the Gibraltar Investor Compensation Scheme. Details of the schemes are available on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited are wholly owned subsidiaries of Lloyds Bank plc. Lloyds Bank plc is incorporated in the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited place funds with Lloyds Bank plc and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements. Lloyds Bank (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi.

Lloyds Investment Fund Managers Limited. Registered office: PO Box 160, 25 New Street, St Helier, Jersey JE4 8RG. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View our our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.