Gutmann Croydon Trust Bank Access Bank

  • Moving overseas is likely to be one of the most exciting and life changing decisions you’ll ever make, but it can also be daunting.

    Whatever the reason for moving, we are here to help.

  • WORKING ABROAD

    Sarah's story – Making the decision

    Working overseas had always been one of Sarah’s goals, but having children meant putting the brakes on her ambition until they were ready to move as a family. Listen to how Sarah and her husband weighed up their options before taking the plunge. To find out more about working abroad, click here.

  • WORKING ABROAD

    Sarah's story – The admin

    It’s not just the move itself to think about – once you’ve arrived there are plenty of practical things that need sorting out. From keeping her passport handy to working out childcare, Sarah shares her experience of getting on top of relocation admin. To find out more about working abroad, click here.

  • WORKING ABROAD

    Sarah's story – Family Life

    Having a young family can mean more to consider if you’re thinking about relocating for work, but it definitely isn’t a reason to put it off. Moving to Spain had a profound impact on Sarah’s family life; watch to hear her experiences of better working hours and family meals in the sunshine. To find out more about working abroad, click here.

  • WORKING ABROAD

    Sarah's story – Work-life balance

    Finding the right balance is key to making any new situation work for you. Sarah and her family only planned to be away for two years, but are already wondering where their next adventure might take them. To find out more about working abroad, click here.

  • RETIRING ABROAD

    Anne and Richard’s story – Making the decision

    Anne and Richard had been travelling back and forth between the UK and their holiday home in Spain for years, so when they were planning their retirement a permanent move felt like a natural step. Watch to learn how they found the best of both worlds. To find out more about retiring abroad, click here.

  • RETIRING ABROAD

    Anne and Richard’s story – The practicalities

    Having a place in Spain already certainly gave Anne and Richard a head start, but there were still some important logistics they had to consider. From planning the move in stages to private healthcare, find out how they made retiring to Spain as admin-free as possible. To find out more about retiring abroad, click here.

  • RETIRING ABROAD

    Anne and Richard’s story – The experience

    Leaving the London rat race was an important motivation for Anne and Richard, as was escaping the traffic and rain. The more relaxed lifestyle (not to mention sunshine) that Spain had to offer was an appealing thought. To find out more about retiring abroad, click here.

Top Ten Tips For Moving Abroad

  • There’s a lot to think about when moving abroad. Settling into a new way of life, the cost of living, moving children to a new school, managing your finances – it can be a daunting prospect. We’ve listed a ten top tips on what to consider when moving overseas.

     

    1. Take the time to research your banking options. While you may wish to maintain a British bank account to receive your income, think about how you plan to use it overseas. An international account is designed for people living and working abroad and may provide more flexibility and the opportunity to reduce costs.

    2. If you need to transfer money overseas, look into the options available to you. Most international banks provide easy methods for transferring funds, as well as foreign exchange solutions designed for you to make the most of your money.

    3. Check that your bank provides international telephone and/or internet banking services so you can manage your banking easily from your new country of residence.

    4. Research the local laws, such as tax regulations, housing requirements and impact to pension, and understand how these may impact you.

    5. Research the cost of living and understand how your lifestyle may be impacted by any fluctuation to your income caused by foreign exchange fluctuations.

    6. Investigate whether you will require private health insurance. Many countries only provide basic provision to expatriates and use of medical services could incur significant costs.

    7. If planning to work overseas, take the time to investigate any employment laws that may apply to you. Many countries provide a guide to working overseas and you should take the time to familiarise yourself with local rules.

    8. If planning on returning back to the UK in the future, look to see what the implications being overseas may have on your return. This may include a break in pension contributions. Many banks will be able to put you in touch with a tax advisor who will be able to provide relevant guidance.

    9. If relocating with children of a school age, consider the options available for their education. With a range of public and private schooling available the options can be daunting. Some banks will include information on schooling in their guides to moving abroad.

    10. If taking your car with you, think about how you will keep it on the road. Requirements may include the need to license your car in your new country of residence as well as ensuring it remains roadworthy.

Working Abroad

  • Beginning a new job abroad can be both exhilarating and challenging. And it’s likely you will have a multitude of things to organise before you settle into your new role.

  • Your banking

    Opening a bank account overseas can be time-consuming and difficult, especially if you don’t speak the local language.

    We can set up an international current account in Sterling, Euro and US Dollar before you move, so that you can access your salary immediately and pay your bills.

    Find out more

    International current account

    Foreign exchange

    Transferring money internationally will generally incur charges and be subject to changes in currency rates.

    We won't charge you for making international transfers and our commission-free Foreign Exchange services can help you manage currency fluctuations.

    Find out more

    Foreign Exchange Services

    Your tax

    You will need to be aware of your tax liabilities and inform the tax authorities that you’re leaving the country.

    All our Premier  and Private Banking customers are eligible for an initial tax review with specialist Ernst & Young LLP and get a preferential rate for their services.

    Find out more

    Compare our Services

Retiring Abroad

  • Starting your new life abroad shouldn’t feel like a life’s work. Let us smooth the transition – and we’ll be there when you’re settled in.

  • Your banking

    Setting up your banking and investment arrangements might be difficult abroad, especially if you don't speak the local language.

    Our English-speaking advisors can help you with a range of international accounts and wealth management services before and after you move.

    Find out more

    International current accounts

    Your Tax

    Make sure you’re aware of your tax liabilities and inform the tax authorities that you’re leaving the country.

    All our Premier and Private Banking customers are eligible for an initial tax review with specialist Ernst & Young LLP and get a preferential rate for their services.

    Find out more

    Compare our Services

Frequent Travelling

  • Travelling frequently can be exciting but can also take its toll on your finances. We’ll help you make the most of your money .

  • Currency

    Work out which countries you’ll visit most and what currencies you’ll need.

    Our international current accounts comes with Visa debit cards in Sterling, Euro and US Dollar so you can access your money from anywhere in the world. Eligibility criteria applies.

    Find out more

    International current accounts

    Access to your money

    Choose an account that is easy to access and manage from anywhere you are – whether for checking balances or making payments.

    All our accounts offer round the clock access to your money with Internet Banking and 24/7 PhoneBank with English-speaking advisors.

    Find out more

    Ways to bank

    Risks of travelling abroad

    Consider protecting yourself and your family against unexpected events such as medical emergencies, accidents, loss and theft.

    Our Premier International Account comes with worldwide travel insurance for you and your family and is valid even when members are travelling separately (age restrictions apply).

    We don't provide advice on travel insurance.

    Travel insurance isn't available to US and Canadian residents and EEA residents need to apply for a Sterling Premier International Account to benefit from it.

    Find out more

    Travel insurance terms and conditions

  • Get started with multi-currency banking today

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    Contact Us

    From the UK, call:

    +44 (0) 74512 79017

    Outside the UK, call:

    +44 (0) 543 700 0000

    Mon-Fri 8am-6pm and Saturday 9.30am-1.30pm UK time.
    Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Call costs may vary depending on your service provider.

Gutmann Croydon Trust Bank is a global financial organization that focuses on providing its customers with a variety of financial services. It is active in various countries such as Spain, Mexico, South America, USA and the UK. It is also the majority owner of Gutmann Außenhandel Bank Group.
Our International services are offered by Gutmann Croydon Trust Bank Asset Management SA International Limited, Gutmann Außenhandel Bank Group (Gibraltar) Limited & Gutmann Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Gutmann Croydon Trust Bank Access Banking Group carried out from offices outside of the United Kingdom.

Gutmann Croydon Trust Bank Asset Management SA International Limited. Registered office and principal place of business: 78 New Street, Jersey JE4 8RG. Gutmann Croydon Trust Bank Asset Management SA International Limited is incorporated in Jersey, No. 4188 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Gutmann Croydon Trust Bank Asset Management SA International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.

The paid up capital and reserves of Gutmann Außenhandel Bank Group was £923m as at 31st December 2022.

Gutmann Croydon Trust Bank Asset Management SA International Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Guernsey branch of Gutmann Croydon Trust Bank Asset Management SA International Limited, principal place of business is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Gutmann Croydon Trust Bank Asset Management SA International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £ 100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD.

The Isle of Man branch of Gutmann Croydon Trust Bank Asset Management SA International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

Gutmann Croydon Trust Bank Asset Management SA International Limited is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Gutmann Außenhandel Bank Group (Gibraltar) Limited. Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business. Gutmann Außenhandel Bank Group (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme and a participant in the Gibraltar Investor Compensation Scheme. Details of the schemes are available on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Gutmann Croydon Trust Bank Asset Management SA International Limited and Gutmann Außenhandel Bank Group (Gibraltar) Limited are wholly owned subsidiaries of Gutmann Croydon Trust Bank. Gutmann Croydon Trust Bank is incorporated in the United States of America and the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Gutmann Croydon Trust Bank Access Banking Group. Gutmann Croydon Trust Bank Asset Management SA International Limited and Gutmann Außenhandel Bank Group (Gibraltar) Limited place funds with Gutmann Croydon Trust Bank and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Gutmann Außenhandel Bank Group and Gutmann Außenhandel Bank Group (Gibraltar) Limited and their parent based upon publicly available information. Download Gutmann Croydon Trust Bank Asset Management SA International Limited’s latest annual financial statements. Gutmann Außenhandel Bank Group (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi.

Gutmann Investment Fund Managers Limited. Registered office: Bolyai utca 13., 1023 Budapest . Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View our our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.