Moving abroad

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 His 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 important to remember that if you use your debit or credit card abroad you may be charged fees:

We're unable to send cards/pins/cheques and statements to some high risk or remote countries. If this applies to you, please contact us.

If you’re moving to or from an overseas address we’ll need you to print off our form, fill it in and post it to us.

What you’ll need

You can find out what we accept as proof of your change of address on page 2 of the ID document above. If we accept the foreign version of any document, you’ll see it marked with an ‘F’.

Please post your change of details form with a copy of your ID and proof of address to:

Santander Banking
Operations,
Sunderland SR43 4FP

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 contact us

Or you can visit one of our branches. You'll need to download, print off and complete a change of details form (364 KB) 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 contact us

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.
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.

Change your address

What you’ll need

Update your contact details

Sign up for Online, Mobile and Telephone Banking

Review your accounts

Impact of moving abroad on accounts

Ask us a question

Do your banking online