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What are the best UK bank accounts for non UK residents?


by @theunisk 8yr  | 6 comments

Iโ€™m in the UK at the moment and will be here from time to time over the coming year. Iโ€™d like to setup a bank account for use in europe & to make funding my revolut card easier. Does anyone know which banks accept non UK residents? I do have a european passport/ID, though I am technically a resident of south africa. Proof of address might also be a sticky point - I have an address which I can use but have no proof that I โ€˜liveโ€™ there (besides my revolut card).

Another nice to have would be bitcoin friendly (eg Iโ€™ve read about barclays accounts being closed due to being used in connection with bitcoin, not sure whether that is a general thing).

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@theunisk 8yr

@rmeskill @anav thanks for the useful/detailed answer. It does seem like a struggle - once Iโ€™m back in London Iโ€™ll look into those options.

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As @rmeskill said, MetroBank would be a very good option but they require 2 proofs of address. Iโ€™ve heard that Barclays and HSBC make it easier to open a new account, and Iโ€™ve also heard that you can open an account with HSBC without a proof of address but youโ€™d have to pay (not sure how or if this is true).

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@rmeskill 8yr

I went through quite the nightmare getting a UK bank account. You need to apply in person and have two proofs of address for most, like a council tax bill, phone bill, or other bank account statement. All of which, of course, you probably canโ€™t get unless you already have a bank account. Lloyds was willing to set me up with just my passport, but they charge exorbitant fees to withdraw abroad. If youโ€™re just moving money around via bank transfers, though, theyโ€™re an easy choice. Once I was with them long enough to get a statement I tried MetroBank, which offers free international withdraws and no-fee payments, but they wanted 2 forms of address proof or a NI letter dated within 30 days, which I didnโ€™t have, so I went over to Nationwide, which has almost the same benefits (though can cost 3-10GBP/month for some premium accounts), and only required one form of address. Iโ€™m completely legal to live and work in the UK-itโ€™s just a nightmare of red tape-apparently even UK citizens have a terrible time getting their first account-frequently their parents have to put them on utility or council tax bills to get their proof of address.

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@theunisk 8yr

@AlexLielacher thanks, will check it out.

@nomadtax Yep from South Africa. Thatโ€™s an interesting option will investigate it further, thanks!

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@nomadtax 8yr

Youโ€™re from South Africa? Check out Standard Bank on the Isle of Man:

https://international.standardbank.com/

Bank accounts on the Isle of Man are considered British so you can use UK direct deposit services, withdraw free of charge etc.

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Your best bet will most likely be the mobile-only bank MONESE. Theyโ€™re a fintech start-up, with their main selling point being ease of account opening. Have a look at them.

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Read and participate in 14,117 discussions on Nomad List

Suggested topics

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Ukraine Residency


in Ukraine by @reticle 3yr 3 years ago  | 1 comment

I have a slightly above average US income which I can work remotely from paired with a $1000 a month income stream and more than enough to purchase a middle end Flat in Ukraine. Does anyone with knowledge of this process have any advice to acquire a reliable way to stay in the country?

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Best place for solo UK traveller for surf, sun & working between Oct and Dec??


in Tenerife , Spain by @leojb 3yr 3 years ago  | 0 comments

Hey Nomads, would love to know any thoughts here.

Top of the list are currently Tenerife, Lagos/Ericeira (Portugal) & Malta??

Would love to know if anyone can vouch for these at this time of year.

Beautiful beach would be the dream. Basically European Bali! I'm sure something many of us are searching for.

Thanks a million. Much love.

Leo

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UK Expats travelling to Greece?


in Bulgaria by @davda1546 3yr 3 years ago  | 2 comments

Hi all, my husband and I have been living in Bulgaria for the past month and were hoping to travel to Greece next. Have any UK nationals entered Greece lately? I believe that anyone entering Greece requires a negative COVID test 72 hours before travel - is this what they are requiring at the borders please? (Reason we ask is for Bulgaria we filled out forms but weren't asked for them) Thanks.

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UK Expats travelling to Turkey?


in Turkey by @davda1546 4yr 4 years ago  | 0 comments

Hi all, my husband and I have been living in Bulgaria for the past month and were considering Turkey next! Have any UK nationals entered Turkey lately? I believe that anyone entering Turkey will undergo health screening and if they show symptoms they need to get medical treatement, did this happen for you? Reason we ask is for Bulgaria we filled out forms but weren't asked for them) Thanks.

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How to get post abroad for UK Expats??


by @davda1546 4yr 4 years ago  | 0 comments

Hi guys, wonder if you can help. I'm from the UK, and my husband and I are looking to go across Europe this coming year.

What's the best solution you've found re having all your post sent to you? I've found a site online that will set up a street address in the UK for you and scan in post to your email address, just wondering if you've found any other ways?

We've set up paperless statements, which has helped but with things like mortgages, official docs etc - how have you got around it?

Thanks so much!

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How to get a UK residence address without renting/buying?


by @pavel_maximov 4yr 4 years ago  | 17 comments

Background:
Iโ€™m an EU national IT specialist, recently decided to become a digital nomad. I just left my permanent job in Germany and opened a UK based LTD (for a better taxation) to start a new career as remote working IT contractor. I also want to become a UK resident and pay personal income tax there BUT I donโ€™t want to rent/buy a place because I have no interest in physically living in the UK, as a nomad I will be traveling abroad 100% of the time.

So I just need a UK address where Iโ€™m registered as a resident and could receive mail, but I would never actually be there. I could rent a place and keep it empty but that would be a total waste of money.

Question:
How do I find somebody who could give me an official residence at his/her address and keep my name on the door? Iโ€™m ok with paying a reasonable monthly fee for this โ€œserviceโ€ (but not as high as a rent), and give assurance in whatever form that I will never pretend to physically live there. I have no close friends in the UK to ask for this favor, and trying to propose this to a random landlord would be just weird since they are not familiar with the needs of a digital nomad.

Maybe you guys can suggest me somebody who understand the situation and want to make some extra cash every month to pay the bills? Iโ€™m ready to meet in person, provide full proof of identity or any other document, and to make a written agreement that gives the landlord the freedom to cancel this โ€œsituationโ€ at any time.

Note:
This is NOT for tax evasion, itโ€™s the opposite! I WANT to pay full tax as UK resident, I just donโ€™t want to waste money on a rent which I will literally never use.

I would be very grateful for any advice!

Pavel

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Where to move for tax purposes as a non-US citizen?


by @mender 5yr 5 years ago  | 5 comments

I am a New Zealander looking to travel for a couple of years in different countries. For this purpose I would ideally like to shift my company to a lower tax territory where I will live part time, as I am currently taxed at roughly 33% in New Zealand, however itโ€™s closer to 40% when I add in all the hidden taxes.

With a move I wonโ€™t be living in NZ so Iโ€™ll no longer be obliged to pay any tax after 320 days.

I ideally would wish to be a tax resident of the country I incorporate in. What country is easiest to do this through? A large chunk of my business relies on PayPal which requires your bank account to be from the same country your company is registered. Thus I canโ€™t do anything such as BVI or small islands.

Tbh my best bet looks to be Dubai Free Zones at this point and I can do some travel in europe from there.

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Recommendations for UK/Scotland accountants that understand remote businesses?


by @eduardoyi 5yr 5 years ago  | 1 comment

Looking for recommendations for reliable accountants who understand how remote businesses with off-shore freelancers and clients work. Thanks!

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How do I ensure that getting refused entry to the UK won't keep me from getting an Australian 462 (work and holiday) visa?


in Australia by @allisonkirschbaum 5yr 5 years ago  | 0 comments

On New Yearโ€™s Day this year, I was refused entry to the UK due to not having proof of funds, an outward-bound plane ticket (I was road-tripping out with a friend via car) and not being able to prove that I had indeed canceled the lease on the apartment I had leased during a prior recent trip.

I havenโ€™t had any entry issues to any of the several countries Iโ€™ve visited after, but now Iโ€™m applying for a 462 visa (work and holiday) visa in Australia, and since Australia and the UK share an immigration info system, I want to make sure getting refused entry wonโ€™t keep me from getting a visa. None of the issues that cropped up in the UK (the proof of funds, the plane ticket, and the apartment) will be an issue in Australia, as Iโ€™ve never traveled there before, donโ€™t know anyone and will have proof of more than sufficient funds for the trip and an outbound plane ticket.

Anybody have any suggestions on how to make the approval process go as smoothly as possible?

Many thanks in advance! :smiley:

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Is there a US bank for easily creating new business checking accounts remotely?

 

by @tylertringas 5yr 5 years ago  | 23 comments

Every accountant is going to tell you that you really should be keeping separate accounts for all your businesses and even projects that may one day become businesses. But in my experience setting up a new account associated with an actual business entity is a pretty annoying process involving an in-person visit to a bank branch, proof of residence in that branchโ€™s region, etc. Has anybody seen a bank that letโ€™s you easily create a simple business checking account online and more importantly that would let you add additional accounts and transfer funds between them?

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Is anybody a Digital Nomad in the UK and not a resident?


by @creative_nomad_ 6yr 6 years ago  | 6 comments

The situation is that my BF is a UK citizen and I am not. We are traveling around SEA and planning to stop in the UK for 6 months to rekindle funds. Granted, the UK is not the cheapest place to rekindle funds, however, he can work and get a good job there.

I have already done my working visa in the UK so I canโ€™t legally work there again. Iโ€™m a graphic designer and web designer and have decided that I will try and get freelance work to support myself whilst Iโ€™m over there.

My question is more related to tax and visas. I am an Australia citizen so I can get a 3 month tourist visa. Iโ€™m just a little worried about how strict they are over there on visas and questioning finance etc

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Where to pay taxes if self employed non-resident of the UK, travelling Europe?


by @jadi4nd 6yr 6 years ago  | 5 comments

Hi, I know there are a few posts around this topic but none of them quite answer my questions.

I am British and currently a resident in the UK.
Next year I am going to become a non-resident and spend over a year traveling mostly around Europe, moving every few weeks never staying anywhere longer than a month. (My first venture into becoming a digital nomad!)

I am remote, self employed, software developer working mostly for one client based in the UK.

Where am I liable to pay taxes?
From what I have read I will not be liable to pay taxes in UK, can anyone confirm this?
If not the UK then where if I am moving every few weeks?
If possible I want to avoid starting a company as this seems unnecessarily complicated for my work setup.

Thank you in advance for any help :slight_smile:

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Has anyone worked from Sihanoukville, Cambodia?


in Sihanoukville , Cambodia by @keybrownhill 6yr 6 years ago  | 6 comments

Hey everyone,

Has anyone visited Sihanoukville recently? I would like to visit and give it a try for working but I am a little unsure about the following:

  • Internet reliability (power cuts and speed)
  • 4G connection as backup
  • specific areas to live

In anyone can offer any info, suggestions on specific areas or recommended accommodation that would be great. I visited around 8 years ago so I am assuming the place has changed quite a bit since then.

Thanks!

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Best EU banks for Ukrainians?


by @anatoliykmetyuk 6yr 6 years ago  | 1 comment

Hi everyone!

I have recently opened a company in Estonia, and now looking for a bank to open a private account to receive salary to. Thing is, I am a Ukrainian citizen, and the fees are huge when making payments from my Estonian company bank account to the Ukrainian private account. For EU transfers, there are no fees. Also I do not feel my money are safe in Ukraine.

So currently I am looking for a bank in EU to open a private account with.

My priority is to have the costs associated with the account as low as possible. E.g. Iโ€™m fine with paying โ‚ฌ200-300 to open the account, but it is a no-go for me if they require a monthly maintenance fee of โ‚ฌ20-30. Which many of them do for foreigners. Also if they need an initial deposit or minimal remainder on the account of โ‚ฌ1000+, this would be a strain for me. Another priority of course is nomad-friendliness: if I decide to withdraw the money outside the EU in a non-EU currency, I should not pay more than 5% in fees. And internet banking and customer support is also of importance, as I believe frequent visits to the bankโ€™s country would be inconvenient for me as a non-resident.

So far I have looked at Swedbank, Rietumu and BlueOrange, all from Latvia. So far I had a great experience with Estonian corporate banking, so another Baltic country seemed like a good option to me. However, all of these banks have high maintenance fees for non-EU residents, from โ‚ฌ20 to โ‚ฌ50 per month. Also OrangeBlue has a minimal balance requirement of โ‚ฌ1000.

All in all, I am very unexperienced in the matter of banking and am a bit in a loss. Can anybody kindly advise me on the โ€œbig pictureโ€ of banking in EU from the non-EU clientโ€™s perspective?

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Non-EU Spouse experience registering in EU country


by @jess793 6yr 6 years ago  | 3 comments

Hello! My family and I are planning to move to Europe and live nomadically for some time. I was wondering if anyone had experience registering a NON-EU spouse. I know some countries are faster than others. Spain takes 6 months vs Poland taking 1 month. I would love to hear of anyone who had this experience. Do you know of any country where the process of registering a NON-EU spouse i fast? We donโ€™t want to wait to long in one county waiting for the temporary residency. Thanks!

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How long does a non-resident Canadian Citizen need to stay out of Canada to maintain non-resident status, per year?


in Canada by @balindsieber 7yr 7 years ago  | 1 comment

Hey fellow nomads. I have an interesting situation.

Iโ€™m a Canadian Citizen whoโ€™s been a resident of the United States for the last 12 years (work VISA). I incorporated my LLC in Hong Kong and have been a nomad for about 6 months.

I just spoke to my Accountant and he says that I will only have to pay taxes to HK, because Iโ€™m not a resident of either US or CAN. Thatโ€™s amazing news as both places suck for taxes.

Iโ€™m currently in Colombia but I spent the first 2 months of this year in Canadaโ€”I want to make sure I stay out of Canada long enough to remain a non-resident.

Does anyone know what that amount of time is?

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European bank account for non resident


by @theunisk 7yr 7 years ago  | 5 comments

I hold South African/Portuguese dual citizenship, however I was born and (officially) reside in South Africa. Any recommendations for a nomad friendly european bank account ? Ie, one that does not require residency, proof of address, or have easy ways to get around these.
I will not be using it much for day to day expenses, more as a way to hold euros and be able to transfer between accounts. My US bank account has very high fees.
I am in europe for the next week or two (currently Italy) and hope to be able to get one before I leave.

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Has anyone done the Non O Ed Visa in Hand to Hand Combat in Chiang Mai?


in Chiang Mai , Thailand by @artofbryce 7yr 7 years ago  | 4 comments

Weโ€™re headed to Chiang Mai in July looking at our options for visas and came across this: http://www.cmlocals.com/1-year-ed-visa-hand-to-hand-combat/

Has anyone done it?

It looks amazing and beneficial for many reasons, but Iโ€™m a little skeptical without being able to read external reviews or hear of experiences from people whoโ€™ve successfully done it.

Thoughts and other options are appreciated!

p.s. right now we have a one-way ticket and are wanting to keep our options open to stay longer if we love it (which weโ€™re anticipating)

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Registering a Business in Netherlands for non European


in Netherlands by @deskaway 7yr 7 years ago  | 0 comments

Hi fellow nomads !
Looking for tax representative offices, logistic solutions and Company incorporation in Netherlands. ?

I will be in Amsterdam coworking and checking these companies out? Honestly I do not want to end up with a hidden fees companyโ€ฆ

Cheers from Berlin,

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Can you get an NIE number while working in Spain for a UK company?


in Spain by @sabolmm 7yr 7 years ago  | 1 comment

Has anyone stayed in Barcelona longer than 3 months as a nomad?

I realise UK citizens have to apply for a NIE number if they are staying longer than 3 months in Spain. But can you actually get an NIE number while working in Spain for a UK company?

My company is registered in the UK so I will be remote working from Spain, donโ€™t want to setup as a freelancer or sold trader in Spain as it will only be a temporary pit stop for 3-6 months.

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