Alan PT

Short version - it's complicated. There's a very good chance your bank won't notice, but it's hard to say whether you are breaking some terms or losing some protections

Longer version
The UK has multiple sets of complicated overlapping rules to navigate

Having a UK residence doesn't automatically make you a UK resident. It is possible to be "ordinarily resident" in the UK while also being a resident of another country, but there are a series of complicated rules and tests to determine (for instance) whether you are entitled to free NHS care: https://www.gov.uk/government/public...d-purpose-tool

There is another series of complicated (but different) tests to determine if you are "tax resident" https://www.gov.uk/government/public...-test-srt-rdr3)

Then there's yet another different series of tests to determine domicile (spolier alert, it is very hard to escape UK domicile, but there are no real advantages to it, only disadvantages)

This is all so complicated that many/most people spending significant time in two countries just bury their heads in the sand and ignore it. Probably they get away with it most of the time

appman999

As always the issue of residence brings discussion around the many related terms and issues. Luckily for me I think the NHS definition of 'ordinarily resident' is reasonably clear compared to the HMRC Statutory Residence Test.

I'm more concerned here about the implications on my UK bank accounts than HMRC rules and the Double Taxation Convention (separate problem)

Presumably if I have a UK residence to which they can send any correspondence or new cards, they would have no reason to suspend my banking?

I will also have limited need for the FSCS protection.

Alan PT

Reason I bring it up is that you'll likely find some reference in your banks terms to UK Resident and/or UK Tax resident. That's what will, in theory, determine if there's an issue

In practice, as I say, there is a very good chance that your bank won't notice. With increasing interconnectedness of data that's not a certainty, but there's not a huge incentive for them to spend time on it

appman999

Silly me, I should have checked t&c's first. No problem with my banks!

Alan PT

Nice, good to get it out of the "it's probably fine but..." pile!

appman999

So as not to mislead anyone, there are some restrictions but they don't affect me.

Alan PT

Incidentally, on the financial advice front, if anyone received contacts from a firm called Private Client Consultancy and wondered where they suddenly appeared from, here is the information on their formation last year https://www.wealthadviser.co/2020/07...twork-launches