Keeping UK Bank account
#31
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It is funny what a grey area this seems to be, I never believed it would be such a minefield of opinions etc, well im opting for feeding my rental income into my current account and re-directing my mail..simple! I dont have enough money for an offshore account and only have a temporary visa for the states. As i own and am keeping my property here in the UK i shall keep quiet ;0)
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#32
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Maybe turn this around.
Has anyone ever hit a major problem with keeping their UK account open when living overseas?
Has anyone ever hit a major problem with keeping their UK account open when living overseas?
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#33
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It is funny what a grey area this seems to be, I never believed it would be such a minefield of opinions etc, well im opting for feeding my rental income into my current account and re-directing my mail..simple! I dont have enough money for an offshore account and only have a temporary visa for the states. As i own and am keeping my property here in the UK i shall keep quiet ;0)
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#34
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I have never heard of anyone having a problem with the IRS, or anyone else, over them having a bank account in the UK.
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#35
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Will the UK banks absolutely, positively identify every US Person on their books? NO, they won't. Some will go undetected. Some will lie when asked about a US connection, and some, hand on heart, don't know they in fact have a US connection (Accidental Americans).
For those who have given the UK bank a US address, be certain of completing Part III of Schedule B on 1040. If you aren't required to file a US return because you're below the threshold for filing, and you aren't required to file an FBAR, then you may consider not saying anything. Is that safe? I don't know.
If you have cleverly concealed from the UK bank your US residence by having a UK address, then be certain of a way of being positive you are receiving all communications. One of the indicia UK banks are evaluating are consistent deposits from US accounts. If the US account you're using to deposit funds into your UK account has the same account holder's name as the UK account,......that's risky, although there may be a logical explanation you can present to the bank.
As for the account itself, having a UK account closed is not the worse thing that can happen. The worse thing is to have the UK account frozen.
Some on this site will have no problems at all. The smaller and more local the bank or building society, the better your chances. Maybe.....Everyone has to decide what risk they're willing to take. Other than playing 100% by the rules (T&C's), it's a risk of some degree.
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#36
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I report the interest to the IRS and the max balances to the Treasury each year when needed.
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Both myself and my wife have kept Natwest, Cooperative and Lloyds Accounts open ... two of them are basic accounts and one is a non-interest account ... I have left a very small sum (less than twenty-sixty pounds) in each of them ... I initiate transfers between them now and then to keep them active and activated the paperless option before I left two years ago ...
So far so good ...
Hoffage
So far so good ...
Hoffage
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Nope. I still have a UK bank account with HSBC, which I used 4 years ago for the deposit and transfer of an inheritance. It's considered "dormant" but can be reactivated whenever I wish.
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