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CURRENT ACCOUNTS (Offshore Accounts) Download to Excel Download to Excel

Current accounts are offered by most banks and building societies and are the most standard bank account they offer.

Customers can generally access their money via a Debit card – this allows for ATM withdrawals and for making purchases in high street and online retailers. Most current accounts can be managed online, via telephone and by visiting your nearest branch.

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Many current accounts carry an overdraft facility though this may not come automatically. An overdraft is a method of borrowing from the bank or building society. If you go into your authorised overdraft, you will be charged interest.

The amount of interest varies according to account and will be deducted automatically from your account balance on a regular basis. If you breach unauthorised overdraft (if you go beyond your overdraft limit) then you might be charged a fee. For accounts 'in credit', interest is earned and will be added to the account balance on a regular basis automatically.

Current Account Information
PROVIDERACCOUNTTYPEINTEREST AERINTEREST GROSSPAIDACCESSO/D RATEBANKING CHARGESSERVICES CHARGESAPPLY
Lloyds TSB International
Apply for Lloyds TSB International		Premier International AccountOffshore Account4.00%4.00%MonthlyOnline, Tel1.23%£20 a day on unplanned overdraft.£0.00Apply for Lloyds TSB International
The International Account, provided by Lloyds TSB International, allows you to conveniently manage and access your money internationally with an offshore current account in sterling, Euro’s and US Dollars. You can benefit from this account if you are working, living, travelling and banking abroad. The International Account gives a flexible choice of three currencies, 24/7 access to your money and easy, secure international transfers. MORE INFORMATION >>Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee_Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

1. Upgrade to a premier service if your balance is over £100,000.
2. Choice of 3 currencies (£, € and $) to save on foreign exchange charges and currency fluctuation.


Services

Services

1. 24/7 access to your money, anywhere in the world with Internet Banking and PhoneBank


Advantages

Advantages

1. Inclusive Worldwide family travel insurance — for travel together or alone
2. 4% (1%AER) introductory interest rate on balances between £10,000 and £24,999 for the first 3 months
3. Concierge service — 24/7 phone-based assistance worldwide
4. No monthly fee — on balances above £2,500 / €2,500 / $3,500
5. Choice of sterling, euro and US dollar accounts — save on foreign exchange & currency fluctuation
6. Visa debit cards to use worldwide — save on cash withdrawal fees
7. 24/7 Internet Banking and PhoneBank Easy and secure international transfers — send and receive money worldwide with confidence


Disadvantages

Disadvantages

1. There is no monthly fee if you keep a balance of at least £2,500/€2500/US$3500 in your fee paying account. If your balance falls below these values during the month, then a fee of £20/€20/US$30 is payable in that month.
2. You will need to pay costs to transfer or receive money when abroad. These vary depending on the method of payment.
3 An Unplanned Overdraft charges a daily rate and continues until it is repaid, you will incur a further monthly fee and up to 10 daily fees in a month.
4. Interest rate 0.00% after the introductory interest rate

HSBC Offshore
Apply for HSBC Offshore		Offshore Current AccountOffshore Account0.00%0.00%MonthlyOnline,TelN/A£0.00£20Apply for HSBC Offshore
A flexible international current account, usually the starting point for customers with international or offshore banking requirements, for your day-to-day banking needs. A convenient, secure and potentially tax efficient way to manage money. MORE INFORMATION >>Features

Features

Free Banking: No
Debit Card: Yes
Cheque Guarantee_Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: No

1. You can choose to have your offshore account with HSBC Bank International opened in either the offshore jurisdiction of Isle of Man or Jersey, Channel Islands.


Services

Services

1. The internet banking service provided gives you direct control over your money, from anywhere in the world, anytime


Advantages

Advantages

1. Available in sterling, US dollars or euro.
2. Debit/credit card options 
3. 24 hour internet and phone banking. 
4. Make international money transfers.
5. Interest paid without deduction of tax.


Disadvantages

Disadvantages

1. A minimum relationship balance of £25,000 (or currency equivalent) must be maintained, to prevent a £20 monthly service charge from being applied to your account.
2. When investing abroad, your tax situation will depend on your personal circumstances. We recommend that you obtain independent tax advice.

HSBC Offshore Premier
Apply for HSBC Offshore Premier		Offshore Current Account with HSBC PremierOffshore Account0.00%0.00%MonthlyOnline, Tel£0.00£0.00£0.00Apply for HSBC Offshore Premier
An offshore Current Account with HSBC Premier comes with all the benefits of HSBC Premier, including access to professionally qualified International Wealth Managers and International recognition and emergency support . It is usually the starting point for customers with international or offshore banking requirements. Your Offshore Current Account can be used to manage your day-to-day finances from anywhere in the world. MORE INFORMATION >>Features

Features

Free Banking: Yes
Debit Card: No
Cheque Guarantee_Card: Yes
Standing Orders: Yes
Direct Debit: Yes
Overdraft Facility: Yes
Account Manager: Yes

1. Accounts in sterling, US dollars or euro.
2. Open your account in Isle of Man or Jersey, Channel Islands.
3. 24 hour internet and phone banking.
4. Make international money transfers.
5. Interest paid without deduction of tax.
6. Minimum relationship balance of £60,000 or currency equivalent.


Services

Services

1. Relationship Management service to help you manage your finances.
2. View your worldwide HSBC accounts online and transfer money between them for free with the Global View Internet Banking service.
3. HSBC Premier Credit Card with no annual fee and membership of the Home and Away rewards programme. Typical 11.9% APR variable


Advantages

Advantages

1. 24 hour internet and phone banking.
2. International money transfers.
3. A choice of currencies.
4. Interest paid gross of tax.
5. No account opening fee.
6. Relationship manager service.
7. View many of your HSBC accounts worldwide online.
8. Credit card privileges and rewards.
9. Internet Banking that provides access to your HSBC accounts in over 34 countries from a single log on and the ability to make transfers immediately, without charge and with a preferential rate of exchange.
10. Tax advice with Deloitte & Touche LLP. As a Premier customer you can benefit from a discount of 25% on Deloitte's standard fee for selected services. Terms and conditions apply and are available from Deloitte.


Disadvantages

Disadvantages

1. A Minimum balance of £60,000 (or currency equivalent).
2. The Relationship Management Service is only offered in certain countries.
2. If you live in an EU member state then you are likely to be affected by the European Savings Directive (ESD), any interest you receive on your accounts with HSBC Bank International can either have tax withheld at source, or alternatively, you may continue to receive gross interest, but we will have to report details about you and the interest you have received to the tax authority in the EU member state where you are resident.

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