Products and services

If you are resident, or due to become a resident in the UK, but you are not domiciled here, managing your finances can be complex. For example, you may need an account to be opened prior to your arrival in the UK, changes to your tax affairs and amendments to your investments that reflect your new residence status. We can help manage every aspect, with services including:

• establishing accounts when you arrive in the UK
• arranging a mortgage for your UK property
• providing onshore and offshore banking and investment services
• helping you navigate complex tax rules
• reshaping your investment objectives to consider your different currency earnings and needs in the UK
• tailoring portfolios that work with tax regimes in your country of domicile and in the UK
• planning tax and your estate.

If you are not resident in the UK but have financial interests in the country, finding the time and expertise to manage your portfolio can be challenging. The International team is primed to take care of your finances, with services including:

• banking facilities for your UK affairs
• mortgage for your UK property
• international investments
• visiting you to discuss and review your investments
• estate planning for your UK investments.

We provide an extensive selection of banking services including:

• offshore and onshore multi-currency accounts
• capital and interest accounting to maximise tax efficiency, where appropriate
• full UK banking transactions, including debit, credit and charge cards, telephone banking and online banking
• offshore credit cards denominated in US dollars or euros
• offshore and onshore mortgage services with multi-currency options
• multi-currency lending options
• international payments systems.

Whatever your investment goals, our team will work with you to create a strategy that considers your aspirations and aims to helps you achieve your objectives.

Discretionary Investment Management

If you choose us to manage your portfolio for you, we will aim to preserve, enhance or grow your wealth, depending on your objectives. When managing your portfolio, we can:

• incorporate investment strategies typically only employed by institutional investors
• monitor the markets continually, taking advantage of the most appropriate opportunities
• review your portfolio with you periodically to ensure it is structured to meet your investment objectives.

Investment Advisory Services

If you would like to take part in managing your portfolio but you still wish to benefit from our advice, we can give you access to Coutts Advisory Services. The service provides you with a dedicated portfolio manager, who will work with you to manage your exposure to various asset classes and global economies.

Other investment solutions

Our extensive range of investments solutions includes the following onshore and offshore options:

• foreign exchange advice and trading
• liquidity management and structured products
• financial planning and pensions advice
• alternative investments.

Most of these products are available onshore and offshore. However, for some people, current regulatory issues regarding advising on offshore services while onshore, and home country rules, may restrict certain investment purchases.

Our teams are experienced in dealing with tax and trust issues facing people from other countries living in the UK. We can also give you access to advisors for help with tax outside the UK. Our services include:

• arranging offshore bank accounts to manage UK remittances
• structuring employment arrangements to optimise your tax position
• establishing and running offshore trusts and companies to help protect assets and make them more tax-efficient
• preparing UK individual tax returns, where required
• advising on the tax implications of buying UK property.

We can advise you on an extensive selection of services, including:

• life assurance
• home insurance  
• tax-efficient investment products.

We can also provide you with access to specialists including:

• relocation service suppliers
• property consultants
• rental and letting advisers
• education consultants
• immigration advisers.