Options for UK bank accounts for non uk tax residents.

As above. Japan PR but need to have a UK bank account. Being told I can’t hold my Halifax anymore. What do people use? I have Wise but ideally would like to use a more traditional bank. Thank you.

by Accomplished_Cash614

6 comments
  1. My friend has an HSBC account that he opened on a trip back to the UK a few years ago. Has his Japanese postal address, a working debit card and online banking. Does not have a residence in the UK.

  2. Does having PR make a difference to UK banks?

    I’m with Santander & they know I’m in Japan, but if I wanted to open a new account it would have to be an expat account (not sure on the difference). 

    Monzo and Starling would be a good bet if it needs to be based in the UK. 

  3. I have Lloyds and monzo. As well as a Barclaycard and Amex CC. I use my parents address and only log in via VPN to be safe. Havent had an issue in 10 years. That said I dont maintain a high balance and mainly pay UK bills with them.

  4. I have an active Nationwide account, where they are totally fine with a foreign address. I needed to let them know and some functions like UK ISA are not usable.

    If you need something quick, then Wise could be a good option.

  5. I’d stick with Wise for simplicity. In fact I’m looking into Wise as a backup should Starling ever get shitty with me.

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