• Key benefits

    Living, working or retiring in another country can be rewarding, but also comes with its own challenges. International banking can help you manage your finances in multiple countries and currencies.

  • Is international banking for you?

    Lloyds Bank international banking solutions are designed for people who need to deal with the complexity of international life including:

    Who is it for?

    • 'Expats' moving abroad for work or retirement
    • People moving to the UK for a short or medium length of time, whether it’s for work or to invest in the UK
    • Investors who need to manage assets in multiple currencies and across several countries

    Check you're eligible by answering a few questions 

    Who is it NOT for?

    • Your wealth is concentrated in a single country
    • You don't make frequent or large foreign exchange transfers
    • You don't meet our eligibility criteria, or you're living in a country where international regulations prevent us from offering our services
  • We also offer solutions for customers with other requirements:

    • If you live in the UK and don't have international banking requirements, have a look at Lloydsbank.com.
    • If you're an Isle of Man or Channel Islands resident, visit our "Islands" site to see what banking services we can offer you.
    • We also offer a range of international business and commercial banking solutions on our Islands Commercial Banking site.
  • Check you're eligible by answering a few questions

    Check eligibility ()

  • Benefits of international banking

    By banking with us you will enjoy:

    Financial advantages

    Our full range of current and savings account solutions can help you reduce the cost of foreign exchange transactions and manage currency fluctuations.

    24/7 Access to your money

    Enjoy the convenience of holding accounts in multiple currencies with a single bank, that you can manage via internet and telephone banking.

    Specialist advice always on hand

    Our English-speaking advisers can assist you with a wide range of international banking issues.
    Customers who save or invest £100,000 with us (or currency equivalents) also benefit from our dedicated Relationship Manager service.

  • Tax and legislation

    Our international banking services are provided by Lloyds Bank International Limited and Lloyds Bank (Gibraltar) Limited depending on residency.

    Since our accounts are domiciled outside the UK, our services are sometimes referred to as 'offshore'. An offshore bank is simply a bank based in a jurisdiction outside your country of residence.

    It's perfectly legal to have an account in a different jurisdiction but there are tax implications you should be aware of:

    • It is your responsibility to seek independent tax advice and ensure that any tax liability in relation to funds deposited is accounted for by you or the appropriate tax authorities.
    • If you are resident in an EU Member state, we have to comply with the EU Savings Tax Directive (EUSTD), which means we are required to advise the tax authorities in the Isle of Man, Jersey and Guernsey or Gibraltar of any assets and interest earned with us. They will then inform your country of residence.
    • If you live outside the EU Member states we pay interest gross of tax, which means we do not deduct any tax from the interest paid to you. You'll need to declare your earnings in the appropriate way.

    We don't offer international tax advice directly, but our Premier and Private Banking customers can be referred to tax specialist Ernst & Young for an initial appointment with no obligation. If you decide to take up their service you will also benefit from a preferential rate.

  •  

    Request an appointment

    Whether you’ll soon be moving to the UK or you’ve just arrived, we can help you settle in and manage your finances. The London Expat Service can help you hit the ground running.

    Request an appointment (Request an appointment)

  •  

    Contact Us

    From the UK, call:

    0800 055 6358

    Outside the UK, call:

    +44 (0) 1624 641 825

    Mon-Fri 8am-6pm and Saturday 9.30am-1.30pm UK time.
    Calls may be monitored/recorded.

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 £895m as at 31 December 2015.

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.