Corporate services provider
1st Formations
UK company formation and company services, including a registered office and an online company manager.
Featured in
Global reach · Specialist / UK
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Providers
International providers covered by WiT Access
Explore financial, mobility, property, insurance and professional-service providers featured across WiT Access comparison guides.
Provider availability, eligibility and services vary by jurisdiction. Inclusion does not constitute a recommendation.
Provider directory
Research providers across international life and finance
Browse providers by service area, compare where they appear across WiT Access, and open detailed profiles explaining what they do, who they serve and the questions worth asking.
- Providers covered
- 153
- Service areas
- 7
- Comparison sections
- 41
153 providers covered by WiT Access.
Wealth manager
AES International
AES International is listed as an international wealth manager / fiduciary adviser.
Featured in
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Insurer
AIG Multinational / WorldRisk
A commercial insurer for foreign property, liability and multinational programmes, distributed through brokers and agents.
Featured in
Global reach · Very high
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Investment platform
Airwallex
A global business payments platform. Payment and e-money entities provide Global Accounts in supported markets. This is not a traditional deposit-taking bank in many markets.
Featured in
Global reach · Very high
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Pension provider
AJ Bell
Self-directed platform with recorded access to Shares, Funds, ETFs, Investment trusts and Other listed investments, subject to local availability.
Featured in
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Private bank
Alhambra Private Bank
Cayman Islands private bank described as serving UHNW clients globally.
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Insurer
Allianz Care
International healthcare plans in Care Base, Enhanced and Signature tiers, with worldwide, worldwide-excluding-USA and regional choices, and with outpatient and evacuation described as optional or product-dependent.
Featured in
Global reach · Very high
View providerInsurer
Allianz Commercial
A commercial insurer for multinational programmes, placed through brokers rather than sold as a small-business quote.
Featured in
Global reach · Very high
View providerInsurer
Allianz Partners
International life and disability benefits, with a particularly strong group proposition and intermediary distribution.
Featured in
Global reach · Very high
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Tax adviser
Andersen
Double-tax agreements, treaty relief, tax credits, residence and cross-border structuring. This is a private-client and international tax advisory practice, not a consumer filing service.
Featured in
Global reach · Very high
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Insurer
APRIL International
International medical cover for expats, digital nomads, students, families and businesses. Maternity, dental and evacuation are plan dependent, with an international network and 24/7 multilingual support.
Featured in
Global reach · High
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Wealth manager
Ardan International
Isle of Man wealth platform for internationally mobile clients, used through an adviser.
Featured in
Global reach · Very high
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Immigration firm
Arton Capital
Citizenship by investment, citizenship by merit and second-citizenship planning. Descent is not a core public proposition.
Featured in
Global reach · High
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Investment platform
Aspire
An Asia-focused business finance platform. Funds are safeguarded with DBS and other banks on the relevant propositions. This is not a traditional bank deposit account.
Featured in
Global reach · High
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Employer of Record
Atlas HXM
The review notes describe direct-EOR positioning. Confirm the country list, local entity status, and any countries served through exceptions or partners.
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Pension provider
Aviva Pension
UK personal pension and SIPP. Overseas servicing is not described as a specialist international proposition.
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Insurer
AXA Global Healthcare
International private medical cover for individuals, families and businesses. Outpatient, maternity, dental and evacuation are described as available depending on the plan, through the AXA Select network.
Featured in
Global reach · Very high
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Insurer
battleface
Digital travel insurance for leisure and business trips, including embedded distribution and in-house claims support.
Featured in
Global reach · Very high
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Wealth manager
Blevins Franks
Cross-border personal tax, property-related income and gains, estate tax and residence planning for UK nationals in the European markets it names. This is adviser-led. It is not a global filing platform.
Featured in
Global reach · Regional / Europe
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Tax adviser
Bright!Tax
US expat tax planning where foreign residence, domicile and treaty positions affect US compliance. Local-country advice may still need another professional.
Featured in
Global reach · High
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Bank
bunq
A licensed European digital bank. Multi-currency features depend on the plan, and country availability matters.
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Insurer
Bupa Global
International private medical cover aimed at private clients, HNW families and globally mobile individuals. Benefits, area of cover and cost share are plan and residence dependent.
Featured in
Global reach · Very high
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Wealth manager
Cazenove Capital / Schroders Wealth Management
Cazenove Capital / Schroders Wealth Management describes wealth-management offices in the UK, Europe and Asia, and services for non-UK residents, non-domiciled clients, international families and US-connected clients.…
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Insurer
Chubb Global / Major Accounts
A commercial insurer for major accounts and cross-border risks, distributed through brokers.
Featured in
Global reach · Very high
View providerInsurer
Chubb Private Client
A high-value home and valuables insurer, distributed through brokers and advisers. The published proposition is market-specific.
Featured in
Global reach · High
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Immigration firm
CIBTvisas
Travel visas, passports, business travel and immigration services, with document review and travel-industry tools.
Featured in
Global reach · Very high
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Insurer
Cigna Global
Tiered international medical plans for globally mobile individuals and families, with worldwide options that include or exclude the USA and with outpatient, dental and evacuation as selectable modules.
Featured in
Global reach · Very high
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Property specialist
Clifton International Property Finance
Cross-border finance for residential, investment, commercial, development and bridging cases. Spain and the UK are named directly. Wider markets are described through specialist networks.
Featured in
Global reach · Medium-high
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Private bank
Coutts
UK private bank with an international team for clients who have UK connections.
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Fintech
Currencies Direct
An FX and international payments specialist with a dedicated account manager, for property purchase, investments, emigration and business FX.
Featured in
Global reach · High
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Bank
DBS
A Singapore bank account with multi-currency balances, for residents and people relocating to Singapore. It is not described as a universal offshore account.
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Private bank
DBS Private Bank
Private bank centred on Singapore, Hong Kong and Asia, with global investment access described.
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Employer of Record
Deel
Global EOR and HR platform. The provider states 150+ countries in its hiring guides, and 100+ wholly-owned entities.
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Investment platform
Deel Mobility
Immigration, visa support, employee relocation, employer-of-record sponsorship, renewals and mobility programme management.
Featured in
Global reach · Very high
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Wealth manager
deVere Group
International financial adviser with an office and adviser network across several regions.
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Mortgage broker
Enness Global
High-value mortgages, international property finance, bridging, securities-backed lending and bespoke debt. The published client is a globally mobile private client, not a standard retail borrower.
Featured in
Global reach · Very high
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Tax adviser
Equiom
Private-client tax and fiduciary work integrated with international real-estate ownership. This is a professional administration model, not a mass-market filing service.
Featured in
Global reach · High
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Investment platform
Estity
A digital platform for recurring Spanish property-owner filings, documents and reminders. It is not a substitute for broader cross-border tax advice.
Featured in
Global reach · Spain specialist
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Investment platform
eToro
Multi-asset platform with recorded access to Stocks, ETFs, Other assets and cryptoassets, subject to local availability.
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Insurance broker
Expat Insurance
Independent broker for expats, digital nomads and global families. Public material states a broad set of insurance options and a personalised comparison.
Featured in
Global reach · High
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Insurance broker
Expat Insure
Comparison broker for expats who want quotes from several international insurers. Up to 9 global insurers are stated.
Featured in
Global reach · High
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Tax adviser
EY
Personal and corporate tax treaty analysis, double-tax relief, tax residency and cross-border tax. Advice is from the relevant EY member firm.
Featured in
Global reach · Very high
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Pension provider
Fidelity Personal Investing
UK SIPP. Opening and contributions generally require UK residence, with a Crown-servant exception described in the reviewed material.
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Investment platform
Flatio
Furnished stays for remote work and longer visits. A booking does not create a visa, a right to work, or tax residence.
Featured in
Global reach · High
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Mortgage broker
Foxes
Spanish mortgages for non-residents, with conveyancing and legal support in the same firm. The destination is Spain. This is not a worldwide mortgage broker.
Featured in
Global reach · Spain specialist
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International life / investment provider
Friends Provident International
International life and investment provider for expatriates and affluent local nationals in selected markets. It does not sell directly to customers.
Featured in
Global reach · High
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Employer of Record
G-P (Globalization Partners)
The review notes describe an established EOR specialist. Confirm whether the employing entity is owned or partner-operated in the target jurisdiction, and the exact service package.
Featured in
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Insurance broker
Gallagher
International personal-property and household-effects cover for expats and globally mobile households, with transit and storage described as a core part of the proposition.
Featured in
Global reach · Very high
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Bank
Gatehouse Bank
Buy-to-let finance for international residents and UK expats, secured on property in England and Wales. It does not finance property overseas.
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Wealth manager
Generali Luxembourg
Luxembourg private life insurance for wealth structuring, arranged through private banks, family offices and advisers.
Featured in
Global reach · Medium-high
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Insurer
Genki
Long-term worldwide health insurance and travel-health insurance. It does not file visas or arrange housing.
Featured in
Global reach · Very high
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Immigration firm
Global Citizen Solutions
Residency planning, citizenship planning, relocation visas and mobility strategy for private clients.
Featured in
Global reach · High
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Tax adviser
Grant Thornton
International tax, expatriate tax, double-tax analysis, foreign tax relief and cross-border compliance through member firms. A network does not mean every firm handles the same treaty.
Featured in
Global reach · Very high
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Tax adviser
Greenback Expat Tax Services
US expat tax where foreign residence, the foreign earned income exclusion, the foreign tax credit and US treaty interaction matter. It does not replace local-country residence advice.
Featured in
Global reach · High
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Investment platform
Hansard International
Isle of Man life-assurance wrapper, distributed through independent financial advisers and financial institutions.
Featured in
Global reach · Very high
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Pension provider
Hargreaves Lansdown
UK investment platform with recorded access to Funds, Shares, ETFs, Investment trusts and Bonds, subject to local availability.
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Fiduciary provider
Hawksford
Private-client and corporate administration for companies, trusts, foundations and other property-holding structures, with lender coordination described alongside that work.
Featured in
Global reach · High
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Immigration firm
Henley & Partners
Citizenship-by-investment, residence-by-investment and wider residence and citizenship planning for private clients.
Featured in
Global reach · Very high
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Insurance broker
Howden
Private-client household broking for high-value homes, overseas properties, holiday homes and collections.
Featured in
Global reach · High
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Mortgage broker
HSBC Expat
HSBC Expat and HSBC International Mortgage Services refer international mortgages to local HSBC teams and describe UK non-resident mortgage products. This is a bank, not a broker panel.
Featured in
Global reach · High
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Insurer
IMG
Travel-medical and international insurance provider, with international medical and group products available.
Featured in
Global reach · Very high
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Insurer
IMG Global Medical
International medical cover for expats and families. Outpatient, maternity and dental are plan dependent. Evacuation is described on relevant international medical and travel products.
Featured in
Global reach · Very high
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Investment platform
Inmoconnect
Verified Spanish property listings and buyer-lead referral. The transaction is handled by agents or developers. This is not buyer-side representation.
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Investment platform
Interactive Brokers
Global investment platform with recorded access to Stocks, ETFs, Options, Futures, Currencies, Bonds and Funds, subject to local availability.
Featured in
Global reach · Very high
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Pension provider
interactive investor
Self-directed platform with recorded access to Shares, Funds, ETFs, Investment trusts, Bonds and International securities, subject to local availability.
Featured in
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Insurance broker
International Citizens Insurance
Licensed broker and comparison service for expats, international families and organisations, with a multi-insurer panel.
Featured in
Global reach · Very high
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Mortgage broker
International Private Finance
Overseas mortgages for non-residents, arranged as specialist cross-border brokerage. Europe is described as a core strength. Exact destinations are confirmed per case.
Featured in
Global reach · High
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Private bank
Investec Private Bank
Private bank. The reviewed UK page is aimed at UK and South Africa residents.
Featured in
View providerWealth manager
Investec Wealth & Investment International
Discretionary investment manager for international and offshore portfolios, including non-UK-domiciled clients.
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Investment platform
InvestEngine
ETF-focused platform with recorded access to ETFs, DIY portfolios and Managed portfolios, subject to local availability.
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Insurer
Investors Trust
International insurance and investment-plan provider, distributed through financial advisers and introducers.
Featured in
Global reach · Very high
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Pension provider
iPensions Group
Adviser SIPP. The reviewed site is intended for professional advisers rather than as a direct retail application.
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Immigration firm
iVisa
Travel visas, eVisas and travel documents, with document processing, review and application assistance.
Featured in
Global reach · Very high
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Investment platform
Jobbatical
Visas, work permits, residence permits, renewals, relocation and compliance tracking for employers and HR teams.
Featured in
Global reach · High
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Private bank
Julius Baer
Global private bank describing banking, investing, financing and wealth-planning specialists.
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Investment platform
Knight Frank
International residential search, sales, local-market guidance and off-market access for prime property. Who the firm acts for, and how it is paid, depends on the market and the mandate.
Featured in
Global reach · Very high
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Immigration firm
Latitude
Citizenship by investment, citizenship by merit and selected citizenship-by-descent routes, with residence-by-investment planning.
Featured in
Global reach · High
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Private bank
Liechtensteinische Landesbank (LLB)
Private bank covering Liechtenstein, Switzerland, Austria, Germany and selected international markets.
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Insurance broker
Lockton
Independent broking for international corporates, including commercial lines, employee benefits and specialty risks.
Featured in
Global reach · High
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Private bank
Lombard Odier
Swiss private bank with a published network of more than 25 offices.
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Insurance broker
Marsh Multinational
Multinational risk advice and insurance placement for companies operating across countries.
Featured in
Global reach · Very high
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Fintech
Mercury
Mercury is not a bank. It is a US business banking fintech. Banking services are provided through partner banks, and eligible deposits are held through those arrangements.
Featured in
Global reach · Medium-high
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Fintech
Monese
A digital money account for supported UK and EU markets. It is not a traditional bank account.
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Fintech
Moneycorp
An FX and global payments specialist for property, personal high-value payments, business FX and supplier payments, with a dedicated relationship manager or dealer.
Featured in
Global reach · High
View providerMortgage broker
Mortgage International
UK residential and buy-to-let mortgages for people who live outside the UK. The property is in the United Kingdom. Overseas property is not the published scope.
Featured in
Global reach · UK property borrowers
View providerEmployer of Record
Multiplier
Global EOR and workforce platform. The provider states an owned-entity network across 150+ countries.
Featured in
Global reach · 150+ countries stated
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Investment platform
MyExpatTaxes
A digital platform for US expat filing, residency tests used in that filing, the foreign tax credit and treaty or totalization support. Complex non-US residence cases may need local advice.
Featured in
Global reach · High
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Bank
NatWest International
A Jersey-booked international bank account, with a sterling International Select account and a Cash Management account in more than one currency.
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Wealth manager
Novia Global
Adviser-led international SIPP. The provider states that a financial adviser with terms of business is required.
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Bank
OCBC
A Singapore bank account with a Global Savings Account in up to 10 major currencies, including a remote route for selected passport holders.
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Wealth manager
Octium Group
Private insurance and wealth structuring for higher-net-worth clients, focused on Europe and the EEA.
Featured in
Global reach · High
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Money transfer provider
OFX
A global FX specialist for personal and business transfers, including property, investments, relocation and larger one-off payments.
Featured in
Global reach · Very high
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Mortgage broker
OMF
UK mortgages and international property mortgages for the European destinations the firm highlights: Spain, Portugal, France, Italy and Greece, as well as the UK.
Featured in
Global reach · High
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Investment platform
Osome
A digital platform for incorporation, accounting and company secretarial work in a defined set of markets.
Featured in
Global reach · High
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Coliving and remote-work accommodation
Outsite
Remote-work housing, coliving and community. It does not advise on immigration, tax or employment.
Featured in
Global reach · High
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Employer of Record
Oyster
The review notes describe a remote-work focus. Use country-by-country availability rather than a single headline country count.
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Employer of Record
Papaya Global
The review notes describe a payroll and payments orientation. Confirm the employment entity, the local implementation model, deposits and any partner dependencies.
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Wealth manager
Partners Wealth Management
Partners Wealth Management describes a UK-led firm with a dedicated international proposition and cross-border planning. Reviewed public material refers to financial planning, investment management, retirement,…
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Investment platform
Payoneer
A global business payment platform for receiving, holding and paying. Payoneer states that it is not a bank or a deposit-taking institution.
Featured in
Global reach · Very high
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Pension provider
Penfold
Digital personal and workplace pension. The reviewed material positions it as a UK pension, not a cross-border pension provider.
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Pension provider
PensionBee
Digital pension built around combining existing pensions and flexi-access drawdown. It is not described as a dedicated international pension provider.
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Investment platform
Property Guides
Buying guides, a property portal, webinars and introductions to local property, legal and finance specialists. This is an information platform, not an independent buyer’s agent.
Featured in
Global reach · Medium-high
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Wealth manager
Quilter Cheviot
Quilter Cheviot describes investment management across the UK, Jersey, Dublin and the EU, and DIFC Dubai, including international and offshore investment-management capability. Reviewed public material refers to…
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Wealth manager
Rathbones
Rathbones describes wealth management in the UK and the Channel Islands, including offshore investment options, cross-border finances and international or US-connected client capabilities. Public material refers to…
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Fintech
Remitly
A remittance service built around destination coverage and how the recipient is paid. Bank deposit, mobile wallet and other methods depend on the corridor.
Featured in
Global reach · Very high
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Investment platform
Remote
The review notes describe a direct EOR model with owned entities. Country-specific taxes, deposits, role restrictions and local availability should be confirmed.
Featured in
Global reach · High
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Investment platform
Remote Mobility
Immigration, work authorisation and relocation guidance for employment-linked moves, with partner-supported housing, schools and pet relocation.
Featured in
Global reach · High
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Bank
Revolut
A digital business banking and payments platform. The legal entity is a bank or a payment or e-money entity depending on the market. Do not treat it as one legal model worldwide.
Featured in
Global reach · Very high
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Employer of Record
Rippling
The review notes point to platform breadth rather than the widest stated EOR reach. Confirm the current country count, entity model and support model by country.
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Investment platform
RL360
Isle of Man life and investment provider. Policies and bonds are distributed through financial advisers and brokers.
Featured in
Global reach · Very high
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Tax adviser
Sable International
Personal cross-border tax, business relocation, tax emigration and treaty application, particularly where UK or South Africa expertise applies. Regional depth is not all-country coverage.
Featured in
Global reach · Medium-High
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Employer of Record
Safeguard Global
The review notes describe global workforce services and country expertise. Confirm the employing entity by market and which services are delivered directly.
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Insurer
SafetyWing
Travel medical cover aimed at digital nomads, remote workers and longer stays. Cancellation protection is more limited than a traditional trip policy.
Featured in
Global reach · Very high
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Relocation company
Santa Fe Relocation
International moving and destination support for corporate clients, assignees and families. Confirm what is delivered directly.
Featured in
Global reach · High
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Bank
Santander International
A Gold current account booked in the Channel Islands or the Isle of Man, for international customers who meet the eligibility rules.
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Private bank
Santander Private Banking
Private bank with a published global-clients proposition.
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Investment platform
Savills
Residential search, acquisition, sales, research, valuation and international property advisory. Services are delivered by local offices and entities.
Featured in
Global reach · Very high
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Investment platform
Saxo
Global multi-asset platform. The Saxo entity and the products available depend on residence and local regulation.
Featured in
Global reach · Very high
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Property specialist
Selectia PSI
Property search, validation, negotiation and acquisition support for the buyer. The published model is buyer-side by contract, not an estate-agency listing service.
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Personal-effects shipping
Send My Bag
Door-to-door shipping for luggage, boxes and personal effects. Not a household-removals company and not an immigration service.
Featured in
Global reach · High
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Relocation company
SIRVA
Home finding, household moving, education support and corporate mobility programmes. Delivery can involve affiliated companies.
Featured in
Global reach · Very high
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Wealth manager
Skybound Wealth
Skybound Wealth describes an international adviser network with locations including the UAE, Cyprus, Switzerland, the USA, Spain and the UK. Reviewed public material refers to international wealth advice, investments,…
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Fiduciary provider
Sovereign Group
Private-client trust and succession planning for internationally mobile families and entrepreneurs. Next-generation programmes are not a core part of the published offering.
Featured in
Global reach · High
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Tax adviser
SpainFiscal
Spanish tax compliance for foreign property owners, including non-resident tax, tax representation and owner filings. This is not a property search or a mortgage service.
Featured in
Global reach · Spain specialist
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Bank
Standard Bank International
An offshore and international bank account. The currencies named in the reviewed material include sterling, US dollars, Australian dollars and euro.
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Bank
Standard Chartered International
Market-specific international bank accounts, linked across named hubs in Asia, the Middle East, Africa and Jersey.
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Investment platform
Statrys
An Asia-focused multi-currency business account for international SMEs with a Hong Kong or Singapore orientation. Statrys uses a payment-account model, not a conventional business bank.
Featured in
Global reach · Medium
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Pension provider
STM Group / STM Pensions
International pension provider whose reviewed material centres on Malta and Gibraltar QROPS and related international pension solutions.
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Tax adviser
Stonehage Fleming
Family-office and governance support for international families, including family business succession and next-generation preparation. Legal, tax and fiduciary work may sit with different group entities.
Featured in
Global reach · High
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Investment platform
Swissquote
Online bank and investment platform. The entity depends on residence and the service chosen.
Featured in
Global reach · High
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Insurance broker
Tenzing Pacific Services
Independent broker for expats and globally mobile families, with a stated focus that includes Asia. The panel is described as 50+ providers.
Featured in
Global reach · High
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Wealth manager
Titan Wealth
Titan Wealth describes a proposition covering the UK, the Channel Islands and the UAE, and the group has stated further international expansion. Reviewed public material refers to holistic financial planning,…
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Private bank
Tolomeo Bank
Antigua-based private bank with London support.
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Money transfer provider
TorFX
A currency-transfer specialist with online transfers and specialist or account-management support. Country and currency lists should be checked for the corridor.
Featured in
Global reach · High
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Investment platform
Trading 212
Self-directed platform with recorded access to Stocks, ETFs, Fractional investing and Automated Pies, subject to local availability.
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Fiduciary provider
Trident Trust
Independent fiduciary and corporate administration for companies, trusts and other real-estate holding structures. Tax and legal structuring stays with the client’s advisers.
Featured in
Global reach · Very high
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Private bank
UBS Wealth Management
Global private bank and wealth manager, with a London booking centre described on the reviewed pages.
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Private bank
Union Bancaire Privée (UBP)
Swiss private bank citing more than 30 locations and 12 booking centres.
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Wealth manager
Utmost International
International wealth and investment-bond provider. The entity and the product both need to be confirmed.
Featured in
Global reach · High
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Employer of Record
Velocity Global
The review notes describe a very broad stated reach. Confirm whether each target country is served by an owned entity or a partner, and how employee support is delivered locally.
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Tax adviser
Vialto Partners
Individual tax residence, mobility tax and cross-border residence reviews for mobile people, executives and employers. Vialto does not determine a government residence status.
Featured in
Global reach · Very high
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Immigration firm
VisaHQ
Travel, business, work and immigration visa processing, with document fulfillment and partner technology.
Featured in
Global reach · Very high
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Insurer
VisitorsCoverage
A multi-insurer marketplace for visitors, students, families and longer visitor stays. The insurer on the policy issues the cover.
Featured in
Global reach · Very high
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Wealth manager
Vistra
Private-client trust and fiduciary services for international families, including trusts, foundations and private trust companies. This is separate from Vistra’s corporate entity-management work.
Featured in
Global reach · Very high
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Investment platform
Wealthify
Digital managed platform with recorded access to Managed portfolios, subject to local availability.
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Insurer
William Russell
International health cover for expats, globally mobile families, remote workers and employers. Outpatient and optional benefits are plan dependent. The provider states members in more than 160 countries.
Featured in
Global reach · High
View provider
Fintech
Wise
A digital money transfer provider for large one-off transfers where the current price is shown up front. Forward contracts are not part of the core service.
Featured in
Global reach · Very high
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Insurer
World Nomads
Travel insurance for independent and adventure travel, including single trips and longer journeys on selected products.
Featured in
Global reach · Very high
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Investment platform
Worldwide Property Company
Property search, brokerage and mortgage brokerage, with introductions to lawyers, notaries and tax specialists. Published materials describe seller-compensated brokerage and no buyer sourcing fee.
Featured in
Global reach · Medium-high
View provider
Money transfer provider
Xe
A global FX and payments specialist for large transfers, business payments, asset purchases, supplier invoices and payroll.
Featured in
Global reach · Very high
View provider
Investment platform
Your Overseas Home
Buyer education, property search, viewing support and introductions to agents, lawyers, mortgage, tax, currency and relocation specialists. This is a guidance platform, not a direct estate agency in every market.
Featured in
Global reach · High
View provider
Wealth manager
ZEDRA
Private-wealth structuring through trusts, foundations and companies. Real estate sits inside a wider family holding, rather than as a standalone company-formation service.
Featured in
Global reach · Very high
View provider
International life / investment provider
Zurich International Life
International life and investment provider, with the Isle of Man company and local branches described.
Featured in
Global reach · High
View provider
WiT Access provides general information and comparison resources. Provider eligibility, services, pricing, product availability and regulatory permissions vary by jurisdiction and circumstances. Nothing on this website constitutes financial, investment, tax, legal, immigration, insurance or mortgage advice.