Keeping UK bank accounts open after moving to Canada
#31
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Joined: Aug 2017
Location: Toronto
Posts: 128












For anyone who is interested, I've looked into this and the most economical way appears to be via a GiffGaff sim which can be topped up with the minimum £10 top up and will continue to work as long as it is used at least once every 6 months. I'm sure a similar thing can be done on other networks but GiffGaff seem like quite an easy option since they're an entirely virtual network.
We keep the numbers for travel back to Europe (v good value - well, pre-brexit), to keep our numbers the same if we ever move back, and for 2FA.
Each time you use the phone for 2FA it'll extend the expiry for another 3 months, obvs.
I'm not sure I've topped up in last 18 months (and the last time would've been only 10 GBP)
#32

This is exactly what my wife and I do. Every 3 months GiffGaff email us to say "hey you haven't used your phone in 3 months, please do so or top up, to keep your number alive". Switch on phones briefly and call each other, hang up, etc. And they email you again to confirm you're good for another 3 months.
We keep the numbers for travel back to Europe (v good value - well, pre-brexit), to keep our numbers the same if we ever move back, and for 2FA.
Each time you use the phone for 2FA it'll extend the expiry for another 3 months, obvs.
I'm not sure I've topped up in last 18 months (and the last time would've been only 10 GBP)
We keep the numbers for travel back to Europe (v good value - well, pre-brexit), to keep our numbers the same if we ever move back, and for 2FA.
Each time you use the phone for 2FA it'll extend the expiry for another 3 months, obvs.
I'm not sure I've topped up in last 18 months (and the last time would've been only 10 GBP)

Have you been able to buy the Giffgaff topups from Canada if and when you've needed to or have you done it during visits to the UK?
#33
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Joined: Aug 2017
Location: Toronto
Posts: 128












Yes I think with GiffGaff you can only top up with a debit / credit card anyway. It's not like Lyca or those corner shop SIM cards. It's owned by O2. I recommend it to everyone in the UK too. I used it for work phones for employees as well.
#34

So you've been able to top it up from Canada using credit/debit card? I don't mind using a UK bank account to do it rather than a Canadian one since it would be cheaper to do it that way and I would be keeping my UK accounts anyway. I just don't want to have to depend on my Mum and Dad every time I need a top up.
#35
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Joined: Aug 2017
Location: Toronto
Posts: 128












I use a UK card for GBP payments generally, so doubt I have tried using a CAD card, but there is no reason it wouldn't work. You log in to your online account either through their app or with a web browser - and type your card details in. I think it remembers the card for you - I just haven't used it enough in the last few years to be familiar. You can use automatic topups if you're going to actually use it regularly, and order data packages ("goody bags") for UK / EU use. A SIM card is free - order one and check it out. You don't need to port your number if you don't wish to continue. But like I said, I found it the best offering for me, family (signed up parents + wife), and small business whilst still living in the UK. The ease (cheapness) of administering it from abroad is a plus on top.
#36

I use a UK card for GBP payments generally, so doubt I have tried using a CAD card, but there is no reason it wouldn't work. You log in to your online account either through their app or with a web browser - and type your card details in. I think it remembers the card for you - I just haven't used it enough in the last few years to be familiar. You can use automatic topups if you're going to actually use it regularly, and order data packages ("goody bags") for UK / EU use. A SIM card is free - order one and check it out. You don't need to port your number if you don't wish to continue. But like I said, I found it the best offering for me, family (signed up parents + wife), and small business whilst still living in the UK. The ease (cheapness) of administering it from abroad is a plus on top.
#37
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Joined: Aug 2017
Location: Toronto
Posts: 128












Why do they care if you top up from abroad? Why do they care if you're based abroad? There's no need to geo-check - your SIM card tells them where it is

#38

Normal anti-fraud BS that all companies in the UK seem to be obsessed with these days I suppose. It's getting to the point where you almost need to show your drivers license to buy a loaf of bread from someone.
#39
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Joined: Aug 2017
Location: Toronto
Posts: 128












Auto-top-up is useful if you use it often enough - I find I don't, so I need to be told to use my phone to keep the number alive. If holidaying in UK or EU I recommend a goody bag.
#40

Yeah, I mainly want it to keep the number alive. Mainly because I rely on the number for 2FA on so many services these days but also because if I decided to move back to the UK then it would make job and flat hunting a hell of a lot easier.
#41
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Joined: Jan 2015
Location: White Rock BC
Posts: 126












One point on UK banks, I've found some don't seem able to include my Canadian post-code in the address, I don't think any mail is missing so due credit to Canadian postal services. I suspect this is a template thing which won't accept the format but wonder if anyone has found a solution?
#42

I too have found Giff-Gaff very useful and top-up as mentioned every 3 months with a UK bank transfer. The only disadvantage is the odd spam call which can prove costly but I've taken to ignoring them based on the premise that if they really want me, they'll call back!
One point on UK banks, I've found some don't seem able to include my Canadian post-code in the address, I don't think any mail is missing so due credit to Canadian postal services. I suspect this is a template thing which won't accept the format but wonder if anyone has found a solution?
One point on UK banks, I've found some don't seem able to include my Canadian post-code in the address, I don't think any mail is missing so due credit to Canadian postal services. I suspect this is a template thing which won't accept the format but wonder if anyone has found a solution?
I ordered a GiffGaff SIM and I've chosen to have my number ported over next week so hopefully that should be OK.
#43

Same here, I'm with NatWest and kept my accounts when I moved to Canada in 2001. correspondence is sent to me in Canada. All i have to do is periodically fill in a form to say I'm resident in Canada for taxation purposes.
#44
No beginning to my talent




Joined: Dec 2017
Location: Hamilton, Ontario
Posts: 345












Definitely wish I had thought of getting a cheap GiffGaff sim before leaving because two-factor authentication has been a nightmare recently. All of our banks and credit cards were fine with us keeping our accounts once we moved, but for the ones that will only accept a UK phone number, I've had to give them my dad's mobile number and get him to forward the one-time passcodes on to me.
#45

Problem is that many banking apps are geolocked, meaning you can't download the UK version in Canada and vice-versa.
Definitely wish I had thought of getting a cheap GiffGaff sim before leaving because two-factor authentication has been a nightmare recently. All of our banks and credit cards were fine with us keeping our accounts once we moved, but for the ones that will only accept a UK phone number, I've had to give them my dad's mobile number and get him to forward the one-time passcodes on to me.
Definitely wish I had thought of getting a cheap GiffGaff sim before leaving because two-factor authentication has been a nightmare recently. All of our banks and credit cards were fine with us keeping our accounts once we moved, but for the ones that will only accept a UK phone number, I've had to give them my dad's mobile number and get him to forward the one-time passcodes on to me.