Moving abroad but want to keep UK bank account

browniej

My daughter is about to move to the US to work. It may be a permanent move but not sure as yet.

She'd like to keep her Halifax bank account in the UK open but she is not sure if this will be ok or not and what address to use.

Should she give them her US address but use mine as her correspondence address or should she just change her address to mine?

I know there is no problem with operating the account online but is this allowed?

Lith

I live in china (have done for 2 years) i have 4 UK bank accounts all stable (used my friends address) no problems at all (if you tell the bank your moving abroad.... chances are they'll close the account well 50/50 not worth the hassle at all.

no law that says you cannot use a friends address (and when i say friend i mean like brothers.... the trust must be earned)


your daughter can use your address (unless you move) or know's an address of the family that will stay there for 10+ years?

No law against it well not that im aware of haven't seen it written down.

- Good Luck

eskbanker

There may not be a law against it but it is against Halifax's terms and conditions, http://www.halifax.co.uk/bankaccounts/current-accounts/ states "Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over who are resident in the UK."

stclair

Rather than creating issues just tell them to change her address to yours.

Then register for paper free so they receive statements etc.

The only issue that may occur is on re issuance of debit cards.

Archi_Bald

Gonna be expensive fun when there is an issue that can only be resolved by showing up in person in a UK Branch.

seven-day-weekend

I moved to Spain for eight years. I had accounts with LTSB and Co-Op. I was allowed to keep them all and register them to my Spanish address. They sent all documentation including debit cards to my Spanish address. What you are not allowed to do is open another account whilst you are abroad. If you have an ISA you can keep it open and receive interest but can't add to it otherwise.

My husband had an account at West Bromwich BS, they would not register it to a Spanish address, so we kept it registered at our UK address,(we did not sell our house) they were happy with this.

Hope this helps.

browniej

Archi_Bald wrote: »

Gonna be expensive fun when there is an issue that can only be resolved by showing up in person in a UK Branch.

I've had a Bank of Scotland account for over 30 years and have never once encountered an issue where I had to turn up at the branch to resolve it.

Obviously it's possible but I'm not sure it's that likely.

browniej

seven-day-weekend wrote: »

I moved to Spain for eight years. I had accounts with LTSB and Co-Op. I was allowed to keep them all and register them to my Spanish address. They sent all documentation including debit cards to my Spanish address. What you are not allowed to do is open another account whilst you are abroad. If you have an ISA you can keep it open and receive interest but can't add to it otherwise.

My husband had an account at West Bromwich BS, they would not register it to a Spanish address, so we kept it registered at our UK address,(we did not sell our house) they were happy with this.

Hope this helps.

Thanks.

Has anyone any experience of BOS/Halifax allowing this?

Although I do agree it may be easiest just using my address.

inmypocketnottheirs

I travel extensively internationally (including the US on pretty much a monthly basis) and the only bank that I aways have a problem with when attempting to use debit cards is the Halifax.

I'd suggest moving to Citibank where the OP's daughter can have a dollar account in the US, a sterling account in the UK and be able to move money free of charge between currencies.

browniej

inmypocketnottheirs wrote: »

I travel extensively internationally (including the US on pretty much a monthly basis) and the only bank that I aways have a problem with when attempting to use debit cards is the Halifax.

I doubt she plans to use her debit card although will continue to use her Clarity credit card. However I think she just wants to keep a presence in UK banking to make it easier should she return.

I'd suggest moving to Citibank where the OP's daughter can have a dollar account in the US, a sterling account in the UK and be able to move money free of charge between currencies.

Thanks for that. I'll let her know.

Archi_Bald

browniej wrote: »

I've had a Bank of Scotland account for over 30 years and have never once encountered an issue where I had to turn up at the branch to resolve it.

Obviously it's possible but I'm not sure it's that likely.

I rarely visit branches myself, and I certainly won't visit them for "reviews" that some of them would like us to consider necessary.

But - nothing protects you from having to turn up in person in a branch, on request of a bank, when a bank deems such a personal visit necessary.99.999% of all bank customers will probably not have any issue with this.