How do I deal with UK banks from overseas?

Start with your own bank's policy

There is no single rule covering every UK bank account held by an expat. Each provider decides which countries and products it supports, subject to regulation and its account terms. A current account may be treated differently from savings, credit, investment or business products.

Contact the bank through a number or secure-message service you have verified independently. State that you live in Spain, give the correct residential and correspondence addresses, and ask whether the account and every linked product can continue. Request the answer in writing or save the secure message.

Protect day-to-day access

Check that the bank can send security codes to your Spanish mobile number and that its app works on your device abroad. Keep recovery details current, carry a separate payment method and avoid relying on one card for travel, bills and emergencies.

If you change phone numbers, devices or addresses, update the bank promptly. Never give a caller a one-time passcode or move money to a so-called safe account. End unexpected calls and contact the bank using the number on its official website, app or card.

Pensions and regular payments

GOV.UK says a UK State Pension can be paid into a bank in the country where you live or into a UK bank or building society. If you use an overseas account, the International Pension Centre needs the relevant account details. Workplace and private pension providers have their own rules, so check each one directly before changing an account.

Make a list of direct debits, standing orders and incoming payments. If an account must close, switch them in a controlled order and keep enough money in both accounts while payments settle.

Check how money is protected

FSCS deposit protection depends on the institution and the type of firm, not simply the brand name on an app. At the time this page was checked, FSCS stated that eligible deposits with a UK-authorised bank, building society or credit union were protected up to £120,000 per eligible person, per banking licence. FSCS also explains that a customer does not have to live in the UK for protection to apply.

Some brands share a banking licence, so balances may be combined for the limit. E-money and payment firms do not receive the same FSCS deposit protection; they use safeguarding arrangements instead. Use the FSCS checker and the Financial Services Register rather than relying on advertising language.

Build a practical backup

A Spanish bank account can simplify local bills and provide continuity if a UK provider changes its overseas policy. A second regulated account or payment method can also reduce disruption. Compare fees, exchange rates, cash access, support, deposit protection and the legal entity holding your money before choosing any service.