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Keeping you UK bank active

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Hello everyone.

I was wondering how as a UK citizen living in Thailand for a number of years you keep your UK bank active.

I'm very weary of my UK bank account being inactive when I move to Thailand and also how do you get your new credit/debit cards when your old ones expire.

Thank you so much in advance

 

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You have to keep money flowing through it.

Every month I do UK pension to UK bank, UK bank transfer to Transferwise, Transferwise to Thai bank account.

No real need for credit or debit cards, just say you don't want them.

 

Use your old UK address, no need to give them a new one, and it maintains your credit check status

(even if you've sold it and someone else lives there).

Edited by BritManToo
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I am not sure who you bank with, but i have been abroad for 17 years and have had no issue with bank account. Obviously they have my email address, and occasionally i move a small bit of money in and out of the account when back in the UK, but i have never known it be an issue. Those movements are 1 or 2 a year maximum so not regular movements of money. I thought the account would need to be completely inactive for years before it was flagged or whatever they do.

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31 minutes ago, smutcakes said:

I am not sure who you bank with, but i have been abroad for 17 years and have had no issue with bank account. Obviously they have my email address, and occasionally i move a small bit of money in and out of the account when back in the UK, but i have never known it be an issue. Those movements are 1 or 2 a year maximum so not regular movements of money. I thought the account would need to be completely inactive for years before it was flagged or whatever they do.

There have been some reports of people having their bank accounts closed (by the bank) because they permanantly live abroad

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12 minutes ago, saengd said:

I've been with HSBC UK for over twenty five years, I told them I was leaving for Thailand in 2004 and they said fine. 

Alot has changed in the last 15 years and it may no longer be possible

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I think the key to it all is to be up front about what you're doing, if you try to disguise things and get caught then yes you'll have a problem. HSBC sees the same six or seven transactions on my account every month, between September and May. Come May I begin to transact on the account in the same manner as any other UK resident, spending money at all the usual places and on all the usual things. 

 

I do the same with Barclaycard, I told them I was going to live in Thailand in 2004 and they also said fine, BC also has two addresses on file for me and doesn't have a problem with it.

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My accounts are active and used to transfer pension funds etc to my Thai bank account. The bulk of my savings are also in UK. My cards go to my UK registered address, where they are forwarded on by my son, or kept until my next trip back 'home'. I also do online banking, so not an issue. Easy really. 

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20 minutes ago, sanemax said:

Some people have had their accounts closed down though .

Just because you havent, that doesnt mean that everyone else hasnt 

I'm sure they have. But it won't be without good reason. My account has remained open because I keep it active and I'm honest about my location. It'as simple as that. Banks do not, willy nilly, close accounts simply because you're not in the country. 

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