• Moving to the UK Checklist

    If you’re thinking of moving to the UK, or have just arrived, welcome! Starting your new life shouldn’t feel like one of its greatest struggles, so here are some key points to keep in mind if your move is to run smoothly.

    • 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
    • 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.
    • Renting a property - 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. You may also need photo ID and evidence that you can afford the rent, such as payslips or an employment contract.
    • Buying your own home - You may need a mortgage to buy your chosen house or flat. Lenders will assess your income and outgoings, your credit history and the property you want to buy. If you’re planning to buy a property to rent out you may need a buy-to-let mortgage. Lenders usually assess the amount of rent it will earn.
    • 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.
    • 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.
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    Building & growing your nest egg

    • Make the most of your lifestyle abroad
    • Plan long term benefits from your salary
    • Build a lump sum towards your future needs
    • Save and invest in a currency of your choice
  • .

    Making the most of your retirement

    • Plan an income suited to your lifestyle abroad
    • Make sure your everyday financial needs are met
    • Review your plan with an expert to confirm that it suits you
    • Make provision for your loved ones
  • .

    Planning for life events

    • Plan for the financial security of your family
    • Save to cover education fees
    • Plan for major life events such as weddings and moving house
    • Plan for a comfortable retirement
  • Need some help?

  •   Arrange an appointment for expert advice with no charge or obligation

    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 with no charge or obligation)

Lloyds Bank International Limited, a Jersey registered and regulated bank, is a subsidiary of Lloyds Bank Corporate Markets plc, a UK Non-ring-fenced Bank. Both 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 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 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.

The paid up capital and reserves of Lloyds Bank International Limited was £986m as at 31st December 2017. Lloyds Bank International Limited 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.

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 (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.

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 International Limited and Lloyds Bank (International Services) Limited and their parent based upon publicly available information. Download Lloyds Bank International Limited’s latest annual financial statements (PDF).

The paid up capital and reserves of Lloyds Bank International Limited was £986m as at 31st December 2017. Copies of our terms and conditions and latest report and accounts are available upon request from the above registered officeLloyds 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.

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.