International Private Banking
Wherever you are in the world, our team of dedicated experts are here to help.
Fluent in international finance
We provide client coverage globally with a focus on Asia, the Middle East, US and the Caribbean. We have vast experience working across various currencies, cultures and languages. International clients often have complex needs and we appreciate the importance of planning when looking to invest overseas or move jurisdiction.
At Arbuthnot Latham, as well as providing bespoke solutions to your banking, lending, investment, and estate planning needs, we are also able to facilitate introductions to professional tax advisers, who can ensure that you have the right framework in place before making any significant cross- border decisions.
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Internationally focused clients
If you are based internationally, you can still benefit from our relationship-led banking and wider services. We work with clients who have assets all over the world and business interests in various countries. We have the expertise in dealing with multi-jurisdictional assets in-house.
UK non-domiciled
If you are resident, but not domiciled in the UK, we can help structure your on- and offshore assets for maximum tax efficiency. We work alongside our clients and their tax advisors to ensure we have the most efficient banking structure in place.
Expats
If you live abroad we can help structure your finances to be as seamless as possible. Our multi-currency accounts and offshore banking solutions will make it easy for you to keep track of your finances. We understand the expat world and the challenges expats face, especially managing a wealth base in the UK remotely.
Relationship-led
As a relationship-led bank, our aim is to build a relationship with you and your family both now and for the future, focusing on service and finding the right solutions for you as an individual. We try to understand your needs and aspirations, and focus on developing solutions to make them a reality.
We have extensive experience of financing UK real estate for overseas investors, either directly or through the use of both offshore and UK structures. We understand that some of our clients’ main income and asset base is often derived and located outside the UK, and this is acceptable to us. We can also assist in ensuring that acquisitions are structured effectively from the outset.
We meet regularly with our clients and we travel to engage with you locally.
Whether your needs are as simple as needing multi-currency banking facilities in the UK or more complex areas such as real estate financing, offshore structuring or exposure to a global investment management capability, we would be delighted to work with you.
Your assets with us can be held in the UK or in Jersey. Whether you currently live outside the UK, are a UK person living abroad, or a non-domiciled individual living in the UK, we can structure your assets held with us in the most relevant jurisdiction for your personal situation, and work in tandem with your advisers to achieve this.
Expertise
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.
How we can help
- Experience of dealing with multicultural and multilingual clients
- Multi-currency bank accounts, available in AED dirham, Hong Kong dollar, Singapore dollar, US dollar, euro or pounds sterling
- Foreign exchange trading
- Multi-currency lending options including mortgages
- International payment systems
- Access to our full range of services including wealth management
Becoming a client
The first step to exceptional service? Ensuring we are the right fit for you and your needs.
Please fill out this short form and we will connect you with the right member of our team.
Meet the team
Ross Mitchell
Head of International
Mobile: +44 (0)7584 528 315
Direct Line: +44 (0)20 7012 2631
Email: RossMitchell@arbuthnot.co.uk
Martin Dyer
Director, Head of Asia
Mobile: +44 (0)7388 377 520
Direct Line: +44 (0) 20 7012 2661
Email: MartinDyer@arbuthnot.co.uk
Spencer Howe
Director, Asia/Global
Mobile: +44 (0)7388 995 039
Direct Line: +44 (0) 20 7012 2736
Email: SpencerHowe@arbuthnot.co.uk
Amit Modha
Director, Head of Middle East
Mobile: +44 (0)7747 581 058
Direct Line: +44 (0)20 7012 2387
Email: AmitModha@arbuthnot.co.uk
Andrew Grimes
Director, US and Caribbean, including Bermuda
Mobile: +44 (0)7559 904 560
Direct Line: +44 (0)20 7012 2956
Email: AndrewGrimes@arbuthnot.co.uk
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