Non-UK residents

Frequently asked questions for customers saving outside of the UK

Account query

I currently have a fixed term account. What can I do when my savings account matures? expandable section

When your savings account matures, you can’t renew your existing account. You can continue to save in the post-maturity product or move the money to another account that you already have with us.

Before your account matures, you’ll receive a maturity notification letter which will outline your options.
I currently have a variable rate account. Can I change to another product? expandable section

No. By changing to another product you would be taking out a new savings account. We only offer new savings accounts to UK residents.
Can I make withdrawals from my variable savings account? expandable section

Yes. In line with any terms and conditions that apply.
Can I make deposits to my variable savings account? expandable section

All deposits are subject to the account terms and conditions. Deposits are permitted to our savings accounts (including Junior ISAs), except fixed term deposits and ISAs.
I have an ISA. Can I make transfers to another current or savings account? expandable section

Yes, if you have a variable cash ISA you can make transfers to another current or savings account held with us, for only as long as it is allowed by the terms and conditions of the account.
Does being a non-UK resident affect my children's savings accounts? expandable section

The impacts on children’s savings accounts are the same as for any other, except for the Junior ISA account where an adult ISA may be opened when the child turns 18.

Switching accounts

I currently have a fixed term account. Can I move to another savings product during the current term? expandable section

No. By changing to another product, you would be taking out a new savings account. We only offer new savings accounts to UK residents.
What will happen if I do open a new savings account with you or change to another product? expandable section

As this falls outside our policy for customers living outside the UK, we’ll close the account and return any balance to you by sterling cheque.

Updating personal information

My personal details are incorrect. How do I get my personal details updated? expandable section

If you need to change your personal details, our guides will show you how.

Non-UK residents criteria

What is your definition of a non-UK resident? expandable section

People who reside outside the UK (including the Isle of Man and the Channel Islands) are regarded as non-UK residents.
I'm in the British Armed Forces posted overseas, am I a non-UK resident? expandable section

No. Crown Employees, e.g. British Armed Forces and UK Public Officials posted abroad, are defined as living in the UK.
Why can’t a non-UK resident apply for a new savings account with you? expandable section

We've made the decision to mainly focus our resources in the UK. Among the considerations for that strategic decision are the varied legal and regulatory requirements that apply in each overseas jurisdiction.

Closing your account

My savings account has been closed but I don't know why? expandable section

As you live outside the UK, this affects the way you can use your savings account. If you have opened a new savings account, transferred any existing savings accounts/term deposits to a new savings account, or changed the existing term or amount invested (other than by interest accrued) of a fixed term deposit at maturity, your account will have been closed and any balance returned to you by sterling cheque. A confirmation letter will have been sent to your primary address.

If you have not received the letter and need to get in touch, call us.
I have more than one savings account expandable section

Only new savings accounts will be closed.

Contact information

As a non-UK resident, what correspondence will be sent to my overseas address? expandable section

You’ll continue to receive all correspondence (e.g. statements, notification letters, interest certificates, and cards), provided your overseas address is registered as your primary address with us.
How can I get in touch? expandable section

You can call us if you have any more questions or would like to find out more about saving with us whilst overseas. To get in touch with any questions, visit our contact us page.

Getting started online

Online banking expandable section

Log in to view or manage your accounts on our website.

Log in now

Register

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

Everyday banking

Help & security

Planning ahead

Difficult times

Go paper-free

Current accounts

Features & support

Already bank with us?

Snap up £175 when you switch

Borrowing

Features & support

Already borrowing with us?

Your Credit Score

Mortgages

Features & support

Already with us?

Club Lloyds mortgage offer

Savings accounts

Features & support

Already saving with us?

Think ISA first

Investing

Guides and support

Already investing with us?

Yes, I Invest​

Insurance

Other insurance

Claims

Already insured with us?

Support for existing customers

Non-UK residents

Account query

Switching accounts

Updating personal information

Non-UK residents criteria

Closing your account

Contact information

Getting started online

Mobile banking app

Online banking

Mobile banking app

Protecting your money

Protecting your money

You may also like

Savings help and guidance

Personal savings allowance

Savings accounts

Savings help and guidance

Savings help and guidance

Products and services expandable section Products and services

Help and security expandable section Help and security

Legal expandable section Legal

About us expandable section About us

Yes, I Invest

Products and services

Help and security

Legal

About us