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Step 1 - The Migrant Banking Product Range
Step 2 - Submit your application
Step 3 - Application processing
Step 4 - When you arrive in the UK
Step 5 - Taxation
All the accounts in our Migrant Banking range allow you to access your funds 24 hours 7 days a week in a range of convenient ways including:
Once received, your application will be assessed and the most appropriate account to suit your requirements will be opened. (The relevant account will be selected based upon the information supplied in your application). Upon arrival in the UK you will attend a meeting with your UK Migrant Banker who will review your requirements to ensure the most appropriate account is held.
Submit your UK account application using the Online application form for a UK Bank account (opens in a new window). Once your application has been submitted you will be advised which type of account you have been allocated from our Migrant Banking account range. At this point you will be provided with the relevant Terms & Conditions for the account. (NB If a Current Account Tracker account is allocated to you the monthly fees will not be activated until you have met with your UK Migrant Banker and confirmed that this is the appropriate account for your needs).
To activate your account upon arrival in the UK you will be required to provide proof of your entry visa type and income which must correspond with the information submitted in your application.
When your application has been processed, you will receive a confirmation letter (within five working days), containing your new account number, Swift BIC/Bank ID and more information about the account. It will also contain contact details of your dedicated Migrant Banker in the UK.
Once you have the account number you can transfer money straight into your account. However it is a requirement of the UK Government that you provide us with proof of your identity before you can carry out any withdrawals (debit transactions) on the account. You must provide us with the appropriate identification within 30 days of your arrival in the UK.
Note: You must intend to arrive in the UK within 12 months of an account being opened. If the account has not been activated and made fully operational before the first anniversary of the date on which it was opened the Bank will close the account.
When you arrive in the UK you will need to schedule a time to meet with your Migrant Banker to provide them with proof of your identity, as required by UK legislation. You can do this by showing them your passport but this must be completed within 30 days of your arrival in the country. You will also need to provide proof of your entry visa type and for sponsored visas also provide proof of your new salary in the UK. These must correspond with the information submitted in your application.
Once you have done this, we can register you for Telephone and Internet Banking and issue you with a Clydesdale Bank debit card.
We will also review your banking needs to allow you to take full advantage of all the products and services that are available from Clydesdale Banks wider range.
A copy of the relevant account Terms & Conditions and brochure relating to your account will also be provided.
Interest earned on the funds you hold with Clydesdale Bank may be liable for taxation in the UK. The following HM Revenue & Customs document provides information regarding tax exemption and allows you to register to have your interest paid without tax deducted if applicable. An original signed document must be held by us to allow us to pay interest without tax deductions. http://www.hmrc.gov.uk/forms/r105.pdf (PDF, opens in a new window).
You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.
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