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  • Key questions to think about

    There’s a lot to think about when moving abroad and settling into a new way of life. It can take a lot of planning just to arrange the move. It can be daunting adjusting to a new workplace, or moving your children to new schools, or making sure that your savings and investments will help to support your life overseas.

    • How will you make the most of this opportunity? You may be considering life as an expatriate as a career choice, an exciting move that gives your earnings a major boost. This could be a good time to get expert advice on building a lump sum for your future needs.
    • Could you improve your income with wise investments? You may be considering moving abroad as a lifestyle choice, a way to make the most of your retirement perhaps. It makes sense to create an investment portfolio that’s suited to your expatriate life now and also your future needs.
    • Are your finances in good shape for future life events? You may be planning the financial security of your family, thinking about how to meet costs like school or university fees for younger members. Or there may be a wedding to plan, or a financially secure retirement to prepare for.

    It may feel as if you’re leaving everything familiar behind, but remember that British banks may provide accounts for people living and working abroad. Don’t assume a local bank is your only option.

  •   Arrange an appointment for expert advice

    Our experts will set out a range of financial options for eligible* customers. There is no charge for our initial appointment and you are not obliged to take our products or services. There may be charges if you then go on to use our products or services.

    *Our advisers will only provide solutions that are suitable for your needs and goals. We may not be able to provide advice in all countries and we will let you know if this is the case.

    Financial advice (Arrange an appointment for expert advice)

  • Working Abroad

    Beginning a new job abroad can be both exhilarating and challenging. And it’s likely you will have a multitude of things to organise before you settle into your new role.

  • Your banking

    Opening a bank account overseas can be time-consuming and difficult, especially if you don’t speak the local language.

    We can set up an international current account in Sterling, Euro and US Dollar before you move, so that you can access your salary immediately and pay your bills.

    International current account (Your banking)

  • Foreign exchange

    Transferring money internationally will generally incur charges and be subject to changes in currency rates.

    We won't charge you for making international transfers and our commission-free Foreign Exchange services can help you manage currency fluctuations.

    Foreign Exchange Services (Foreign exchange)

  • Your tax

    You will need to be aware of your tax liabilities and inform the tax authorities that you’re leaving the country.

    All our Premier and Private Banking customers are eligible for an initial tax review with specialist Ernst & Young LLP and get a preferential rate for their services.

    Compare our Services (Your tax)

  • Retiring Abroad

    Starting your new life abroad shouldn’t feel like a life’s work. Let us smooth the transition – and we’ll be there when you’re settled in.

  • Your banking

    Setting up your banking and investment arrangements might be difficult abroad, especially if you don't speak the local language.

    Our English-speaking advisors can help you with a range of international accounts and wealth management services before and after you move.

    International current accounts (Your banking)

  • Your tax

    Make sure you’re aware of your tax liabilities and inform the tax authorities that you’re leaving the country.

    All our Premier and Private Banking customers are eligible for an initial tax review with specialist Ernst & Young LLP and get a preferential rate for their services.

    Compare our services (Your tax)

  • Frequent Travelling

    Travelling frequently can be exciting but can also take its toll on your finances. We’ll help you make the most of your money.

  • Currency

    Work out which countries you’ll visit most and what currencies you’ll need.

    Our international current accounts comes with Visa debit cards in Sterling, Euro and US Dollar so you can access your money from anywhere in the world. Eligibility criteria applies.

    International current accounts (Currency)

  • Access to your money

    Choose an account that is easy to access and manage from anywhere you are – whether for checking balances or making payments.

    All our accounts offer round the clock access to your money with Internet Banking and 24/7 PhoneBank with English-speaking advisors.

    Ways to bank (Access to your money)

  • Risks of travelling abroad

    Consider protecting yourself and your family against unexpected events such as medical emergencies, accidents, loss and theft.

    Our Premier International Account comes with worldwide travel insurance for you and your family and is valid even when members are travelling separately (age restrictions apply).

    We don't provide advice on travel insurance.

    Travel insurance isn't available to US and Canadian residents and EEA residents need to apply for a Sterling Premier International Account to benefit from it.

    Travel insurance terms and conditions (Risks of travelling abroad)

Lloyds Bank Corporate Markets plc is authorised and regulated in the UK as the non-ring fenced bank of the Lloyds Banking Group. The Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc are each separately licensed as regulated deposit-takers in their respective jurisdictions. Lloyds Bank Corporate Markets plc is independent from Lloyds Bank plc, which is authorised and regulated in the UK as the ring fenced bank of the Lloyds Banking Group. For more information on ring-fencing visit international.lloydsbank.com/ringfencing/.

Lloyds Bank International Limited and Lloyds Bank (International Services) Limited, both Jersey registered and regulated banks are subsidiaries of Lloyds Bank Corporate Markets plc, a UK Non-ring-fenced Bank. All such companies are part of Lloyds Banking Group plc and are independent from Lloyds Bank plc which is Lloyds Banking Group’s ring-fenced, UK regulated retail and commercial bank. For more information on ring-fencing visit international.lloydsbank.com/ringfencing.

Our International services are offered by Lloyds Bank Corporate Markets plc, Lloyds Bank International Limited, Lloyds Bank (International Services) 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 Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850 with company number 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.

Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.

The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 11-12 Esplanade, St Helier, Jersey JE2 3QA, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.

The Guernsey branch of Lloyds Bank Corporate Markets plc, 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 insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, 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.

The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business 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 is also registered as an insurance intermediary in respect of general business.

Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc.

The paid up capital and reserves of Lloyds Bank Corporate Markets plc was £3.9bn as at 31st December 2018. Copies of our terms and conditions and latest report and accounts are available upon request from the above registered office.

Lloyds Bank Corporate Markets plc, Jersey Branch trading as Lloyds Bank International 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.

Lloyds Bank Corporate Markets plc, Isle of Man Branch trading as Lloyds Bank International is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Lloyds Bank Corporate Markets plc, Guernsey Branch trading as Lloyds Bank International 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 722756 or post: P.O. Box 33, St Peter Port, GY1 4AT.

Deposits are not covered by the Financial Services Compensation Scheme under the Financial Services and Markets Act 2000 in the United Kingdom.

Deposits with the Guernsey branch of Lloyds Bank Corporate Markets plc will not be covered by any equivalent deposit compensation scheme to the Guernsey Banking Deposit Compensation Scheme in any other jurisdiction.

Complaints involving the Isle of Man branch of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Financial Services Ombudsman Scheme in the Isle of Man. Complaints involving the Jersey and Guernsey branches of Lloyds Bank Corporate Markets plc that it cannot settle should be referred to the Channel Islands Financial Ombudsman.

Rules and regulations made under the Financial Services and Markets Act 2000 for the protection of 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: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. 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.

Lloyds Bank (International Services) Limited. Registered office and principal place of business: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Lloyds Bank (International Services) Limited is incorporated in Jersey and is regulated by the Jersey Financial Services Commission to carry on deposit taking business under the Banking Business (Jersey) Law 1991. Lloyds Bank (International Services) Limited has also notified the Jersey Financial Services Commission that it carries on money services business.

Lloyds Bank Corporate Markets plc and Lloyds Bank (International Services) Limited are participants 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.

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.

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 (International Services) Limited are wholly owned subsidiaries of Lloyds Bank Corporate Markets plc. Lloyds Bank Corporate Markets 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 763256, and is part of the Lloyds Banking Group. Lloyds Bank International Limited and Lloyds Bank (International Services) Limited place funds with Lloyds Bank plc and Lloyds Bank Corporate Markets 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 Corporate Markets plc and Lloyds Bank (International Services) Limited and their respective parent company based upon publicly available information. Lloyds Bank Corporate Markets plc and Lloyds Bank (International Services) Limited's latest annual financial statements are available on our website at http://international.lloydsbank.com/legal-information/.

The paid up capital and reserves of Lloyds Bank International Limited was £809m at 31st December 2018. Copies of our terms and conditions and latest report and accounts are available upon request from the above registered office.

Lloyds Investment Fund Managers Limited. Registered office: 11-12 Esplanade, St Helier, Jersey, JE2 3QA. Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View 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.