Want to change UK bank, but I'm not UK resident

Beauborg

I'm living in another EU country but still have some business interests in the UK.


I have a number of UK bank accounts, credit cards etc but I want to change to get the best deals.


The trouble is I don't have a UK address. I could put a relative's address in the UK but of course I'm not on the voter's roll.


I musn't be the only one in this situation. Any advice or suggestions?

macman

You could indeed put a relative's address, but doing so would be fraudulent.
It all depends on the type of account you want to open: almost all consumer accounts require you to be resident in the UK, for obvious reasons. Business account may have different rules.
Isn't your accountant the best person to advise on this?

Ben8282

You say you already have a number of UK bank accounts, credit cards etc. What is the etc? Loans?
What address are you currently using for these accounts and cards? Are you on the electoral roll at that address?
You say you want to change to get the best deals. Which deals specifically? What are you trying to achieve?

jonesMUFCforever

If you are a non resident then most banks will let you keep accounts that you have but will not let you apply for any new products.
If you change your address to that of a friend or relative you may need to prove this to the bank.

Beauborg

Specifically, I'd like to open a new personal bank account. I've put my relative's address but I'm not on the voters roll.

System

Are you resident elsewhere in the EEA?
If so, you should be able open a basic account in the UK

meer53

Beauborg wrote: »

Specifically, I'd like to open a new personal bank account. I've put my relative's address but I'm not on the voters roll.

What will you do when they ask you for proof of your address ? Not a good idea to lie to a bank, they can cause all sorts of problems for you.

Ben8282

Beauborg wrote: »

Specifically, I'd like to open a new personal bank account. I've put my relative's address but I'm not on the voters roll.

Does this address correspond to the address used on your other bank accounts and your credit cards?

Heng_Leng wrote: »

Are you resident elsewhere in the EEA?
If so, you should be able open a basic account in the UK

As he already has a number of UK bank accounts and is looking to get the 'best deals' (whatever they are) I doubt that a basic bank account would be of interest.

Beauborg

A little more detail: I own a rental property in the UK on a SVR mortgage and I'd like to remortgage it to take advantage of a better deal.

How on earth do I do so?

Beauborg

Ben8282 wrote: »

Does this address correspond to the address used on your other bank accounts and your credit cards?

Yes, this address is used for all my accounts / CCs.

jonesMUFCforever

Beauborg wrote: »

A little more detail: I own a rental property in the UK on a SVR mortgage and I'd like to remortgage it to take advantage of a better deal.

How on earth do I do so?

To be frank you cannot do this if a non resident.
Try a broker to see if they can help but give them all information about yourself at the outset.