Before moving abroad, there are some steps you should take to help you with your banking: 

  • update your contact details 
  • sign up for Online, Mobile and Telephone Banking 
  • review your accounts. 

If you haven't already, please visit Her Majesty's Revenue and Customs (HMRC) website for more information on any change to your tax status whilst you're away, or you can call them on +44 135 535 9022.

It's also important to remember that if you use your debit or credit card abroad you may be charged fees: 

It's important that you make sure your contact details are up-to-date, so that we can contact you while you are abroad. 

The easiest way to instantly change your personal details (including your telephone number and email address) is using Online Banking 

If you're a current account or savings customer you can also call us on 0800 9 123 123. We're open 7am to 9pm Monday to Saturday and 8am to 9pm on Sundays.

Or you can visit one of our branches. You'll need to download, print off and complete a change of details form and take it to your local branch with relevant documentation. 

Find out more about changing your personal details

Before you leave you should sign up for Online, Mobile and Telephone Banking as they'll help you manage your accounts while you're abroad. 

Go to the Online Banking page for more information on Online Banking and how to register. Once registered, you can also set up handy account alerts to keep you up to date on your accounts.

If you're already registered for Online Banking, you'll find details on how to set up your alert service in the 'Account Services' tab. 

To sign up for Telephone Banking, call us on 0800 9 123 123. We're open 7am to 9pm Monday to Saturday and 8am to 9pm on Sundays. 

Moving abroad could impact the benefits on your accounts and methods of repayments. You should read the information below carefully to understand the impact on your accounts by moving abroad. 

Impact of moving abroad on accounts

General

  • To apply for any Santander UK plc product, you need to be a resident of the UK.
  • Living abroad may impact your ability to access credit. 
  • We can currently service existing products. However, if there is a change in the regulatory position, or there is political uncertainty within the country in which you’re living, we will contact you directly and let you know your options.

Credit cards

  • If you have any of our credit cards, you may not be eligible for associated benefits on your account if you're moving abroad. We recommend talking to us to review your credit card account options. 
  • We can't accept Direct Debits from an overseas bank account. Direct Debit payments will need to continue to be made via a UK bank account. 
  • If you lock your PIN on your card whilst overseas, you will need to request a new card and PIN. The facility to unlock your PIN at an ATM isn’t available outside the UK. 

We'll no longer be able to agree:

  • Requests for increased credit card limits; and
  • Requests for any additional credit card holders.

1|2|3 Credit Card

  • Cashback will only be earned on purchases in the UK to retailers within eligible Merchant Category Codes. 
  • Check the 'Where can I get cashback?' page for the list. 

We'll no longer be able to agree:

  • Requests for increased credit card limits; and
  • Requests for any additional credit card holders.

1|2|3 Current Account
 

  • Cashback will only be earned on Direct Debits in the UK to institutions that are eligible.
  • Check the 'Where can I get cashback?' page for the list.
  • We’ll no longer be able to agree requests for new or increased overdraft limits.

Debit cards

  • If you lock your PIN on your card whilst overseas, you will need to request a new card and PIN. The facility to unlock your PIN at an ATM isn’t available outside the UK.

Premier and Premier Direct Current Accounts with European Travel Insurance

  • If you hold any of these products, you won't be eligible for the European travel insurance benefit on your account. We recommend talking to us to  review your account options.
  • For joint accounts, if one of you moves abroad that person will no longer be eligible for the travel insurance benefit. The other account holder will continue to be eligible.

Fixed Rate Bonds

  • We'll continue to write to you at least 14 days before your bond matures with details of the options available to you. If you don't contact us before your bond matures, your money will be transferred into an instant access account at maturity.

Cash ISAs, investments ISAs and investments 

  • You can't open or add to an existing ISA or investment when you cease to be a resident in the UK for tax purposes. The exception to this is for Crown employees working overseas or the spouse or civil partner of a Crown employee working overseas. They can open or add to an existing ISA but not an investment.
  • You can keep your ISA or investment and continue to put money in it when you become a resident in the UK for tax purposes again, subject to the normal annual ISA limits.
  • For more information please visit HMRC's website.

Personal Loans

  • We can't accept Direct Debits from overseas bank accounts. Direct Debit payments will need to continue to be made from a UK bank account.

Insurance

  • It's important that you refer to your insurance policy document that will contain contact details of who you should tell about your change in circumstances.

Mortgages

  • We can't accept Direct Debits from overseas bank accounts. Direct Debit payments will need to continue to be made from a UK bank account.
  • Please let us know if you'd like to rent out your UK home so that we can send you our consent to let conditions and let you know about the fee. 

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