International Private Banking

We offer multi-currency accounts to support your day-to-day banking. These come with a charge card, online and mobile banking to make your life easy.

We can offer you Hong Kong dollar, Singapore dollar or AED dirham accounts based in the UK. This allows you to retain funds for local use, but also links to the management of your cash position back into your reference currency (typically US dollar, pounds sterling or euro, or your home currency of choice). This flexibility means that wherever you reside in the world, you can keep the same accounts, cards and PINs, giving you one less thing to worry about.

You also benefit from Visa debit cards and charge cards, as well as euro and US dollar debit cards so you can access international currencies without paying foreign exchange fees.

To help you manage your foreign exchange and cash management needs, including fixed and structured deposits across a range of currencies and operational platforms, we work with our Treasury team.

Whether you’re looking to convert existing currency cash balances into pounds sterling, euros or US dollars, your private banker will work with our Treasury team to convert your currency at optimal rates, and tailor FX strategies to suit your needs. We can look at strategies designed to reduce the level of volatility you incur from the FX markets through, for example, call levels, stop-loss orders. We also plan a strategy for you around fixed-term deposits to ensure your money can earn interest before you require it.

We recognise that accessing finance as someone who either resides overseas or who is domiciled outside of the UK is not always straightforward, and we can assist with the purchase of UK property as a family home or as an investment, or a buy-to-let opportunity. Our range of flexible lending solutions includes mortgages and asset backed lending.

Protecting your loved ones financially is a priority for many. From providing financial security in the event of illness or an inability to work, to longer term estate and succession planning, holding multiple assets in different jurisdictions can make planning more complex. Our team of wealth planners will work closely with your private banker, investment manager and tax adviser to advise on the structuring of your assets to create a wealth plan tailored to meet your and your family’s ongoing needs in a tax efficient manner. We are delighted to offer an initial consultation with one of our wealth planners, with a fee only being charged if any advice is formalised.

Investments likely form a big part of your current and future financial plan, whether on a regular premium basis or through the investment of lump sums. Our Investment Management team will work closely with you to manage a flexible portfolio, designed to meet your investment objectives now and over time. For some clients, the creation of a portfolio can support an application for immigration status in your chosen jurisdiction.

You may have built up a range of offshore or even UK pensions for which you may need advice with regards to encashment or consolidation. In many cases a pension will be managed to a specific investment mandate, and we will work with you to ensure your investments remain aligned to your specific circumstances and needs.