Where am I resident?
Why it matters. Residence can change tax, reporting and who may serve you.
What to check. Your own residence position, with a qualified adviser if it is unclear.
Wealth
Investing across borders
Understand how residence, account jurisdiction, investment domicile, currency and adviser permissions interact internationally.
Owning assets in more than one country is a different question from where the account itself is booked.
Cross-border investing is not simply owning assets overseas. It is the interaction between where you live, where your account is held, where the investment is domiciled and which legal or tax rules apply to each part of the arrangement.
For internationally mobile investors, access can change even when the portfolio does not. A platform may restrict new purchases after relocation, an adviser may no longer be authorised to serve you, a tax wrapper may lose its original treatment, or currency exposure may become more important than before.
The key is to separate four questions: where you are resident, where the account is held, where the investment is domiciled, and where future spending will occur.
The big picture
Cross-border investing is less about finding foreign investments and more about making sure access, ownership, tax, currency and regulation still line up.
A portfolio can look identical before and after a move while the rules around who can service it, how it is reported and how it is taxed change materially.
The basics
What makes an investment “cross-border”?
Several parts of one arrangement can sit in different countries: where you live, where the account is booked, where the custodian is, where the investment is domiciled, where the company or issuer is based, where the adviser sits, the currency, and the country where you expect to spend.
- 1
You and your residence
The country where you live, and sometimes your nationality.
- 2
Account or platform
The legal entity you contract with.
- 3
Custodian
The institution that holds the assets.
- 4
Fund or security
The product, and the jurisdiction where it is established.
- 5
Underlying assets
Companies, bonds, property or other holdings inside that product.
Adviser
May sit in a different country from the account.
Tax authority
May expect reporting where you live, and sometimes where income arises.
Spending currency
May differ from the currency of the account or the investment.
Different rules can attach to each layer. That is why “Where is my investment?” is often not a simple question.
Structure
Four locations can shape the same investment
Where you live
Your country of residence may affect tax, reporting, product eligibility and whether an adviser can legally serve you.
Where the account is held
The platform or bank’s legal entity determines the contractual relationship and often the regulatory framework.
Where the investment is domiciled
A fund or product may be established in a different jurisdiction from the account that holds it.
Where you will spend the money
Your future spending currency can matter when assessing currency risk and liquidity.
Booking an account outside your country of residence does not, by itself, make an investment tax-efficient.
Eligibility
Investment access can change when your residence changes
A provider may restrict certain countries. An existing account may stay open while new products are limited. Contributions may stop. New purchases may be blocked. Residence and nationality can both matter, and so can the type of account. Regulatory permissions differ. Ask the provider. Do not treat a domestic acceptance as a promise that the same access continues after a move.
- Can the account remain open?
- Can I add new money?
- Can I buy the same investments?
- Can I open new accounts?
- Do any products become restricted?
- Does nationality affect access?
- Which entity will serve me after I move?
Advice
Can your adviser legally continue to advise you?
Permission depends on how the adviser is regulated, where you are, and whether the firm — not only the individual — may serve clients in that place. A relationship may continue, move to another entity in the same group, or become execution-only. Local licensing is a separate question. Those are outcomes to ask about, not a sequence to follow.
An adviser’s expertise does not automatically mean they are authorised to advise you in every country.
- Which legal entity gives the advice?
- Which regulator supervises it?
- Can advice continue after relocation?
- Does the adviser need to transfer the relationship?
- Will recommendations change because of jurisdiction restrictions?
- Can the adviser work with local tax and legal specialists?
Market access
What can you actually buy where you live?
The range may include funds, ETFs, shares, bonds, products from your home market and products from elsewhere. Availability can depend on country restrictions, how you are classified as an investor, the documents you can provide, and local distribution rules. A product that is easy to buy in one place may be unavailable in another for reasons that have nothing to do with its investment merit.
What to compare
- Product range
- Country restrictions
- Minimums
- Dealing markets
- Settlement currencies
- Research access
- Recurring investment options
- Product documentation
A broad platform range does not guarantee every product is available to residents of every country.
Product structure
The location of the investment itself can matter
Fund domicile, the issuer’s jurisdiction and the legal form can affect tax treatment, withholding, reporting, the documents investors must provide, and whether a product is recognised where you live. This page does not say how any country will tax a particular structure.
Mutual funds
A pooled fund, often with its own domicile and distribution rules.
ETFs
A listed fund. The listing venue and the fund’s domicile can be different places.
Investment trusts
A listed company structure. Availability can depend on where you can deal.
Listed shares
Issued by a company in one market, and sometimes listed in another.
Bonds
Issued under a particular law, and held through a custody chain.
Two funds tracking the same market can have different legal structures and domiciles.
Custody
Where are your assets legally held?
You may be the beneficial owner while a nominee is the registered holder. A custodian, and sometimes a sub-custodian in a particular market, sits in the chain. Assets may be pooled or segregated. Cash may be held as client money under rules that differ from the rules for investments. The legal entity on the account is the one that matters.
Investor
Platform
Custodian
Sub-custodian
Asset or market
A way of seeing the chain. The legal structure of a particular account can differ. Ask the provider.
- Who is the custodian?
- Are assets segregated?
- Which legal entity owns the custody relationship?
- Can assets be transferred in specie?
- What happens if the platform fails?
- What protections apply to this account type?
Ask which protections apply to your account. This page does not describe a compensation scheme.
Currency
Currency risk can exist even when you never trade currencies directly
The account currency, the currency you deal in, the fund’s currency, the currency of the underlying assets, the currency of income, and the currency you spend can all differ. A spread may apply when money is converted. Dividends may be converted automatically. Transfers may be converted again. How often that happens matters as much as the rate.
Income
GBP
Account
USD
Investments
USD / EUR / JPY
Property
EUR
Future spending
AED
An illustration of how currencies can differ. It is not a recommended mix, and it is not a rate.
The relevant question is not simply “What currency is the account in?” but where the economic exposure really sits.
FX cost comparisonTax and reporting
The same portfolio can be reported differently in different countries
One country may tax you because you live there. Another may tax income because it arises there. Gains, dividends and interest can each be treated differently. Withholding, foreign-account reporting, cost basis, annual statements and local tax forms are separate questions. This page does not state rates.
Capital gains
A gain may be relevant where you live, and sometimes where the asset is. The platform’s home country does not decide that for you.
Income
Dividends and interest can be taxed differently from gains, and differently again from a withdrawal.
Withholding
Tax may be deducted in the country where income arises, before it reaches you. The rate, and whether it can be credited, depends on the countries and the paperwork.
Foreign-account reporting
The country where you live may expect information about accounts held elsewhere. Ask what you must report. This page does not list those duties.
Tax documentation
Statements, tax packs and cost information may be produced for one country’s forms and still leave gaps for another.
Do not assume the platform’s tax reporting is sufficient for your country of residence.
Account structure
A tax-efficient wrapper may not remain tax-efficient abroad
The label varies: a local wrapper, a retirement account, an investment bond, a tax-deferred account, an employer scheme, or an ordinary investment account. Favourable treatment in one country may not be recognised in another. This page does not say how any wrapper will be taxed.
- Does the destination country recognise the wrapper?
- Can contributions continue?
- Are withdrawals treated differently?
- Is reporting required?
- Does the account remain available?
- Should specialist tax advice be obtained?
Portability
Can your portfolio move without being sold?
A move between providers can be in specie, where holdings transfer, or in cash, where they are sold first. Funds may be incompatible. Some products are unsupported. The account may have to close. There may be restrictions, a settlement period, a delay, a change in currency, and a tax consequence if something is sold. Cost-basis data may or may not travel with the assets. This page does not promise a timeline and does not recommend a transfer.
Before moving a portfolio, ask
- Can holdings transfer in specie?
- Are all funds supported?
- Will anything need to be sold?
- Are exit fees charged?
- Will cost-basis data transfer?
- Is tax triggered by a sale?
- Is trading frozen during transfer?
- Will currency conversion be required?
Selling purely to move platform can create tax and market consequences. Understand the implications before acting.
Portfolio construction
International diversification is more than owning foreign shares
Concentration can sit in geography, currency, sector, asset class, issuer, custodian, provider or legal jurisdiction. Owning assets in several countries does not automatically reduce risk.
Visible diversification
- Many countries
- Many funds
- Many sectors
Hidden concentration
- One platform
- One custodian
- One currency
- One legal jurisdiction
- One adviser
An investor can appear globally diversified by holdings while still being highly concentrated by currency, custodian or legal jurisdiction.
Moving capital
Getting money into and out of an investment account matters too
Funding the account, the bank that can receive a withdrawal, the payment rails, the settlement currency, FX, local restrictions, compliance checks, source-of-funds evidence, proof of wealth and the handling of a large transfer are all part of access. An investment you cannot fund, or cannot withdraw, is a practical problem as well as a portfolio one.
- Which currencies can I fund in?
- Which bank accounts can receive withdrawals?
- Are third-party payments allowed?
- What documents are needed?
- How are large transfers handled?
- What FX costs apply?
- How quickly can cash be accessed?
Records
Keep better records than you think you need
- Acquisition dates
- Purchase price
- Cost basis
- Dividend history
- Corporate actions
- Transfer records
- Tax statements
- FX rates used
- Account-opening documents
- Residency history
- Adviser reports
International moves can happen years before an eventual sale. Good records reduce the risk of having to reconstruct the history later.
Practical checklist
Questions to answer before investing across borders
Where is the account held?
Why it matters. The contract is with a legal entity, not only a brand.
What to check. The company named on the agreement.
Where is the investment domiciled?
Why it matters. The product can sit in a different country from the account.
What to check. The fund or issuer documents.
Which currency is involved?
Why it matters. Account, investment and spending currencies can differ.
What to check. Each of those currencies, not only the account currency.
Can the provider serve me?
Why it matters. Some countries are outside a provider’s permissions or appetite.
What to check. A written answer for your current and expected residence.
Can the adviser serve me?
Why it matters. Advice permissions can be separate from the account.
What to check. Which entity advises you, and in which country.
Can I add new money?
Why it matters. An open account may still refuse new contributions.
What to check. The provider’s position after a move, not only today.
Can I transfer out?
Why it matters. Leaving may require a sale, a delay, or a fee.
What to check. In-specie options, unsupported holdings and exit charges.
How are assets custodied?
Why it matters. Legal ownership and segregation affect what you can move.
What to check. The custodian and whether assets are held separately.
What tax reporting is provided?
Why it matters. A statement designed for one country may not meet another.
What to check. Sample documents, and whether cost basis is kept.
What records do I need?
Why it matters. A later sale or move is harder without the history.
What to check. Purchase data, transfers, FX and residency notes.
What happens if I move again?
Why it matters. A provider that accepts one destination may not accept the next.
What to check. The question asked before the next move, not after it.
Due diligence
Questions worth asking before you invest
01Which legal entity provides the account?
Ask for the company on the contract. A brand can operate through more than one entity.
02Which regulator supervises it?
Ask which regulator authorises that entity, and in which country. This page does not name a regulator for you.
03Can you serve residents of my country?
Ask specifically. Product lists and marketing pages are not the same as an acceptance decision.
04What happens if I move?
Ask whether the account can continue, and what would change. The answer depends on the destination and the provider.
05Which products become unavailable?
Ask which funds, shares or account features would be restricted. A broad range is not a promise that every product remains open.
06Can I keep existing holdings?
An account that stays open may still limit new purchases, or may ask you to sell something you already hold. Ask about both.
07Can I add new money?
Ask whether contributions can continue after the move. Keeping the account is not the same as being able to fund it.
08Can I transfer assets in specie?
Ask which holdings can move without being sold, and which cannot. This page does not recommend a transfer.
09Who is the custodian?
Ask for the custodian’s name and whether a sub-custodian is involved in particular markets.
10Which jurisdiction governs the custody arrangement?
Ask which law and which contract apply to custody. It may differ from the law of the country where you live.
11What currencies can I hold?
Ask which currencies the account can actually hold, and whether income is converted automatically.
12What FX costs apply?
Ask for the spread or fee, and when conversion happens. This page does not publish rates.
13Which tax documents are provided?
Ask for a sample. A document produced for one country may not be what your residence requires.
14Are cost-basis records maintained?
Ask whether purchase history, corporate actions and transfer data are kept, and whether they would move with the assets.
15Can an external adviser access the account?
Ask what authority is required, and whether access is view-only or includes instructions.
16Can my current adviser continue advising me?
Ask which legal entity would give the advice after you move, and whether that entity is permitted to do so.
17Are there any transfer-out restrictions?
Ask about notice, unsupported products, exit charges and whether trading stops during a move.
18What happens if my destination country changes?
A second move can reopen the same questions. Ask before you assume the first answer still holds.
19Are any investments proprietary?
Ask whether products put forward are run by the provider or an affiliate, and how that is disclosed.
20Which risks should I understand before opening the account?
Ask about access, custody, currency, tax reporting and what changes if you move. Returns are not a substitute for those answers.
Watch for
Potential warning signs
- The provider cannot explain who legally serves you
- Residency rules are unclear
- Adviser permissions are vague
- FX pricing is opaque
- Product domicile is not explained
- Transfer-out restrictions are hard to understand
- The custody structure is unclear
- Tax treatment is presented as guaranteed
- The platform does not retain useful reporting history
- Changes to investment availability are not disclosed before relocation
A warning sign is not automatically a reason to reject a provider. It is a reason to investigate further.
Common situations
When cross-border investing becomes more complicated
Situations that raise harder questions. They are not recommendations to buy, sell or move a portfolio.
Situation 01
A professional moving from the UK to the UAE
Whether existing accounts continue, whether the adviser may still act, which funds remain available, and how currency exposure changes. The move itself is not a reason to sell.
Situation 02
An investor moving between countries in Europe
Product availability, reporting and whether a portfolio can move to another provider without a sale. Rules differ by country. This page does not describe them.
Situation 03
A founder investing after a business sale
A large cash position, where it is held, who has custody, and how advisers in more than one place coordinate. The sale and the portfolio are separate decisions.
Situation 04
A retiree living abroad
Withdrawals, the currency of spending, reporting, and whether the account can still be serviced.
Situation 05
A family with investments in several countries
Custody, ownership, reporting and how the investments sit with the estate plan.
Situation 06
An adviser in one country and a platform in another
Who is permitted to advise, who is accountable for the account, and what the service actually includes.
Before relocation
What to review before changing country
- Confirm the platform can continue to serve you
- Confirm adviser permissions
- Confirm product access
- Confirm whether new money can be added
- Identify wrapper and tax questions for a qualified adviser
- Review cost basis
- Review the currencies in the portfolio
- Confirm transfer options
- Gather statements
- Document acquisition history
- Check beneficiary details
- Identify whether a destination-country adviser may be needed
After relocation
What to review once your residence changes
- Update residency details the provider asks for
- Update tax details the provider asks for
- Confirm you can still access the account
- Confirm which products are restricted
- Review the adviser relationship
- Review currency exposure
- Confirm reporting requirements where you now live
- Review any wrapper
- Review transfer options
- Set a date for a periodic review
Do nothing?
A move does not automatically mean the portfolio needs to move
An existing arrangement may remain appropriate if the provider can continue servicing you, the investments remain accessible and the structure still works under your new circumstances.
- Verify what the provider and adviser can still do
- Leave holdings in place unless there is a clear reason to sell
- Separate a problem of access from a problem with the investment
- Ask about tax before a transaction that is only for convenience
- Review the arrangement before restructuring it
Professional support
When specialist advice may be particularly valuable
- Before selling investments around a move
- When a tax wrapper is involved
- When more than one jurisdiction applies
- When a trust or company owns the investments
- When adviser permissions are unclear
- When a large portfolio might be transferred
- When currency exposure is significant
- When reporting requirements are uncertain
- When estate planning and the investments overlap
Compare providers
Cross-border investment providers
Compare providers that may be relevant to internationally mobile investors, including global platforms, discretionary investment managers and adviser-led cross-border wealth services.
Eligibility, account jurisdiction, investment availability, adviser permissions and reporting can vary by country of residence and regulated entity.
WiT Access compares publicly available provider information. We do not recommend investments or determine whether a provider is suitable for you.
What to compare
Four jurisdictions can matter at the same time
Residence
Where are you tax resident?
Account jurisdiction
Where is the account legally held?
Investment domicile
Where is the fund, ETF, share or security legally based?
Adviser permission
Is the adviser or provider authorised to serve you where you live?
Currency
Which currencies can you hold and trade?
Custody
Who legally holds the assets?
Reporting
What statements, tax reports and consolidated records are available?
Portability
What happens if you move country again?
Filter providers
10 providers listed for comparison.
AES International
International wealth adviser
International wealth manager for families whose financial lives span more than one country.
- Best aligned with
- People comparing a fiduciary advice relationship for multi-country financial lives
- Cross-border fit
- Designed for international families with complex multi-country financial lives.
- Public minimum / segment
- Financial life management is described as typically for clients with $1 million or more in investable assets.
- Service model
- Fee-only financial life management
Cross-border capabilities
- Residence continuity
- Multi-country families
- Booking jurisdiction
- Depends on residence and custodians
- Investment access
- Evidence-based investment management
- Currency / FX
- Multiple currencies in planning
- Custody
- Depends on implementation
- Adviser model
- Fee-only financial life management
- Reporting
- Coordination, including tax specialists
Designed for international families with complex multi-country financial lives.
Described as adviser-led. Listing a provider here does not open an account or replace regulated advice.
deVere Group
International wealth adviser
International financial adviser with an office and adviser network across several regions.
- Best aligned with
- People comparing an international advice network whose published coverage includes Europe, Africa, the Middle East and Asia
- Cross-border fit
- International office and adviser network across Europe, Africa, the Middle East and Asia.
- Public minimum / segment
- Not publicly stated
- Service model
- International financial advice
Cross-border capabilities
- Residence continuity
- International adviser network
- Booking jurisdiction
- Depends on client location
- Investment access
- Cross-border investments and planning
- Currency / FX
- Planning across currencies
- Custody
- Depends on the recommended solution
- Adviser model
- International financial advice
- Reporting
- Localised adviser support
International office and adviser network across Europe, Africa, the Middle East and Asia.
Described as adviser-led. Listing a provider here does not open an account or replace regulated advice.
Interactive Brokers
Global investment platform
Self-directed global broker. The account is held with the affiliate that applies to the client’s residence and regulation.
- Best aligned with
- People comparing a self-directed global broker where the account entity follows residence and regulation
- Cross-border fit
- Clients from 200+ countries and territories are cited. The service entity and the products available vary by jurisdiction.
- Public minimum / segment
- Retail account terms vary. No minimum is cited for the introducing-broker infrastructure.
- Service model
- Primarily self-directed
Cross-border capabilities
- Residence continuity
- Varies by jurisdiction
- Booking jurisdiction
- Relevant IBKR affiliate
- Investment access
- 170+ markets
- Currency / FX
- 29 currencies cited
- Custody
- Brokerage custody and execution
- Adviser model
- Primarily self-directed
- Reporting
- Account and regulatory reporting
Clients from 200+ countries and territories are cited. The service entity and product availability vary by jurisdiction.
Listed for comparison. Residence, the booking entity and product availability can all change what is available.
Investec Wealth & Investment International
Discretionary investment manager
Discretionary investment manager for international and offshore portfolios, including non-UK-domiciled clients.
- Best aligned with
- People comparing bespoke discretionary management for international or offshore portfolios
- Cross-border fit
- International and offshore investment management for non-UK-domiciled clients, via a network of international offices.
- Public minimum / segment
- Not publicly stated
- Service model
- Discretionary
Cross-border capabilities
- Residence continuity
- Non-UK-domiciled clients
- Booking jurisdiction
- Depends on client jurisdiction
- Investment access
- Bespoke international portfolios
- Currency / FX
- Group FX where relevant
- Custody
- Varies by entity
- Adviser model
- Discretionary
- Reporting
- Consolidated reporting described
International and offshore investment management for non-UK-domiciled clients, through a network of international offices.
Listed for comparison. Residence, the booking entity and product availability can all change what is available.
Novia Global
Adviser-led global platform
Adviser-led international wealth platform. A professional adviser is generally required.
- Best aligned with
- People whose investments are arranged through a professional adviser, comparing an international platform
- Cross-border fit
- Adviser-led platform. The reviewed material cites clients across 164 countries.
- Public minimum / segment
- Not publicly stated
- Service model
- Professional adviser required
Cross-border capabilities
- Residence continuity
- Adviser-led, 164 countries cited
- Booking jurisdiction
- Depends on adviser and location
- Investment access
- 7,000+ multi-currency investments
- Currency / FX
- Multi-currency support
- Custody
- Adviser-led platform custody
- Adviser model
- Professional adviser required
- Reporting
- Adviser and client reporting
Trusted by clients across 164 countries, on an adviser-led platform. That citation is not a list of countries where a new account can be opened directly.
Described as adviser-led. Listing a provider here does not open an account or replace regulated advice.
Quilter Cheviot
Discretionary investment manager
Discretionary investment manager with offices that allow jurisdiction-specific servicing.
- Best aligned with
- People comparing discretionary investment management where the service may be booked through the UK, Jersey, Dublin or Dubai
- Cross-border fit
- UK, Jersey, Dublin/EU and DIFC Dubai offices allow jurisdiction-specific servicing.
- Public minimum / segment
- Not publicly stated
- Service model
- Discretionary
Cross-border capabilities
- Residence continuity
- Jurisdiction-specific offices
- Booking jurisdiction
- UK, Jersey, Dublin or Dubai
- Investment access
- Discretionary portfolios
- Currency / FX
- Varies by mandate
- Custody
- Through the relevant entity
- Adviser model
- Discretionary
- Reporting
- Varies by jurisdiction
UK, Jersey, Dublin/EU and DIFC Dubai offices allow jurisdiction-specific servicing.
Described as adviser-led. Listing a provider here does not open an account or replace regulated advice.
Saxo
Global multi-asset investment platform
Global multi-asset platform. The Saxo entity and the products available depend on residence and local regulation.
- Best aligned with
- People comparing a global multi-asset platform where the account entity depends on residence
- Cross-border fit
- International platform. The Saxo entity and the products available vary by client jurisdiction.
- Public minimum / segment
- Varies by account tier and jurisdiction
- Service model
- Self-directed, plus partner models
Cross-border capabilities
- Residence continuity
- Varies by jurisdiction
- Booking jurisdiction
- Relevant Saxo entity
- Investment access
- 71,000+ instruments
- Currency / FX
- Multi-currency account cited
- Custody
- Integrated execution and custody
- Adviser model
- Self-directed, plus partner models
- Reporting
- Client reports for accounting and tax
International proposition. Product and entity availability vary by client jurisdiction.
Listed for comparison. Residence, the booking entity and product availability can all change what is available.
Skybound Wealth
International wealth adviser
International wealth adviser built around globally mobile clients.
- Best aligned with
- People comparing an advice firm whose published offices include the UK, Europe, the US, Switzerland and the UAE
- Cross-border fit
- Offices and advisers across the UK, Europe, the US, Switzerland and the UAE, built around globally mobile clients.
- Public minimum / segment
- The Global Partners page describes a Wealth Builder band of £100,000–£249,999 and an Executive band from £250,000.
- Service model
- International financial advice
Cross-border capabilities
- Residence continuity
- Built for globally mobile clients
- Booking jurisdiction
- Depends on country
- Investment access
- Lump sum, savings and offshore
- Currency / FX
- Multiple currencies in planning
- Custody
- Depends on the underlying platform
- Adviser model
- International financial advice
- Reporting
- Planning, with specialist tax coordination
Offices and advisers across the UK, Europe, the US, Switzerland and the UAE. The proposition is built around globally mobile clients.
Described as adviser-led. Listing a provider here does not open an account or replace regulated advice.
Swissquote
Global investment platform
Online bank and investment platform. The booking entity depends on the client’s location.
- Best aligned with
- People comparing an online bank and investment platform where the entity depends on location
- Cross-border fit
- International group. The services available depend on the Swissquote entity and the client’s country.
- Public minimum / segment
- Varies by product and entity
- Service model
- Direct platform
Cross-border capabilities
- Residence continuity
- Varies by entity
- Booking jurisdiction
- Depends on location
- Investment access
- Global markets and trading
- Currency / FX
- Multi-currency proposition
- Custody
- Varies by product and entity
- Adviser model
- Direct platform
- Reporting
- Client reporting available
International group. Exact services depend on the Swissquote entity and the country.
Listed for comparison. Residence, the booking entity and product availability can all change what is available.
Titan Wealth
International wealth manager
Wealth and investment manager with a UK-led group footprint and Channel Islands and UAE presence.
- Best aligned with
- People comparing a wealth and investment manager whose published footprint includes the UK, the Channel Islands and the UAE
- Cross-border fit
- International group footprint. Advice permissions depend on the entity and the client’s jurisdiction.
- Public minimum / segment
- Not publicly stated
- Service model
- Planning and investment management
Cross-border capabilities
- Residence continuity
- Varies by entity
- Booking jurisdiction
- UK, Channel Islands and UAE
- Investment access
- Managed portfolios
- Currency / FX
- Varies by service
- Custody
- Execution, settlement and custody
- Adviser model
- Planning and investment management
- Reporting
- CGT, income and consolidated certificate
International group footprint. Precise advice permissions depend on the entity and the client’s jurisdiction.
Listed for comparison. Residence, the booking entity and product availability can all change what is available.
Compare cross-border investment services
Compare how a provider treats a move, investment access and the adviser model. Open a profile for booking location, custody and reporting.
| Provider | Type | Cross-border fit | If you move | Investments | Currency | Adviser | Minimum | View |
|---|---|---|---|---|---|---|---|---|
| International wealth adviser | Designed for international families | Multi-country families | Evidence-based investment management | Multiple currencies in planning | Fee-only financial life management | Financial life management is | View |
| International wealth adviser | International office and adviser | International adviser network | Cross-border investments and planning | Planning across currencies | International financial advice | Not publicly stated | View |
| Global investment platform | Clients from 200+ countries and | Varies by jurisdiction | 170+ markets | 29 currencies cited | Primarily self-directed | Retail account terms vary | View |
| Discretionary investment manager | International and offshore | Non-UK-domiciled clients | Bespoke international portfolios | Group FX where relevant | Discretionary | Not publicly stated | View |
| Adviser-led global platform | Adviser-led platform | Adviser-led, 164 countries cited | 7,000+ multi-currency investments | Multi-currency support | Professional adviser required | Not publicly stated | View |
| Discretionary investment manager | UK | Jurisdiction-specific offices | Discretionary portfolios | Varies by mandate | Discretionary | Not publicly stated | View |
| Global multi-asset investment platform | International platform | Varies by jurisdiction | 71,000+ instruments | Multi-currency account cited | Self-directed | Varies by account tier and jurisdiction | View |
| International wealth adviser | Offices and advisers across the UK | Built for globally mobile clients | Lump sum, savings and offshore | Multiple currencies in planning | International financial advice | The Global Partners page | View |
| Global investment platform | International group | Varies by entity | Global markets and trading | Multi-currency proposition | Direct platform | Varies by product and entity | View |
| International wealth manager | International group footprint | Varies by entity | Managed portfolios | Varies by service | Planning and investment management | Not publicly stated | View |
| Provider | Type | Cross-border fit | Investments | Minimum | View |
|---|---|---|---|---|---|
| International wealth adviser | Designed for international families | Evidence-based investment management | Financial life management is | View |
| International wealth adviser | International office and adviser | Cross-border investments and planning | Not publicly stated | View |
| Global investment platform | Clients from 200+ countries and | 170+ markets | Retail account terms vary | View |
| Discretionary investment manager | International and offshore | Bespoke international portfolios | Not publicly stated | View |
| Adviser-led global platform | Adviser-led platform | 7,000+ multi-currency investments | Not publicly stated | View |
| Discretionary investment manager | UK | Discretionary portfolios | Not publicly stated | View |
| Global multi-asset investment platform | International platform | 71,000+ instruments | Varies by account tier and jurisdiction | View |
| International wealth adviser | Offices and advisers across the UK | Lump sum, savings and offshore | The Global Partners page | View |
| Global investment platform | International group | Global markets and trading | Varies by product and entity | View |
| International wealth manager | International group footprint | Managed portfolios | Not publicly stated | View |
AES International
International wealth adviser
- Cross-border fit
- Designed for international families
- If you move
- Multi-country families
- Investment access
- Evidence-based investment management
- Adviser model
- Fee-only financial life management
- Public minimum
- Financial life management is
deVere Group
International wealth adviser
- Cross-border fit
- International office and adviser
- If you move
- International adviser network
- Investment access
- Cross-border investments and planning
- Adviser model
- International financial advice
- Public minimum
- Not publicly stated
Interactive Brokers
Global investment platform
- Cross-border fit
- Clients from 200+ countries and
- If you move
- Varies by jurisdiction
- Investment access
- 170+ markets
- Adviser model
- Primarily self-directed
- Public minimum
- Retail account terms vary
Investec Wealth & Investment International
Discretionary investment manager
- Cross-border fit
- International and offshore
- If you move
- Non-UK-domiciled clients
- Investment access
- Bespoke international portfolios
- Adviser model
- Discretionary
- Public minimum
- Not publicly stated
Novia Global
Adviser-led global platform
- Cross-border fit
- Adviser-led platform
- If you move
- Adviser-led, 164 countries cited
- Investment access
- 7,000+ multi-currency investments
- Adviser model
- Professional adviser required
- Public minimum
- Not publicly stated
Quilter Cheviot
Discretionary investment manager
- Cross-border fit
- UK
- If you move
- Jurisdiction-specific offices
- Investment access
- Discretionary portfolios
- Adviser model
- Discretionary
- Public minimum
- Not publicly stated
Saxo
Global multi-asset investment platform
- Cross-border fit
- International platform
- If you move
- Varies by jurisdiction
- Investment access
- 71,000+ instruments
- Adviser model
- Self-directed
- Public minimum
- Varies by account tier and jurisdiction
Skybound Wealth
International wealth adviser
- Cross-border fit
- Offices and advisers across the UK
- If you move
- Built for globally mobile clients
- Investment access
- Lump sum, savings and offshore
- Adviser model
- International financial advice
- Public minimum
- The Global Partners page
Swissquote
Global investment platform
- Cross-border fit
- International group
- If you move
- Varies by entity
- Investment access
- Global markets and trading
- Adviser model
- Direct platform
- Public minimum
- Varies by product and entity
Titan Wealth
International wealth manager
- Cross-border fit
- International group footprint
- If you move
- Varies by entity
- Investment access
- Managed portfolios
- Adviser model
- Planning and investment management
- Public minimum
- Not publicly stated
Related reading
- Investment platforms
- Managing wealth internationally
- Offshore investing
- Private banking
- Moving country
- Tax residency
- Estate planning
WiT Access provides general information and comparison resources. Nothing on this page constitutes investment, financial, tax or legal advice. Investments can fall as well as rise in value.
Related
Guides, tools and comparisons
Related guides
Wealth
Managing wealth internationally
Read the guideTax
What happens to your ISA when you move abroad?
6 min readMobility
Moving from the UK to the UAE
8 min read
Related tools
Related comparisons
Investing across more than one country?
Understand the questions to ask about access, custody, tax, currency and portability before your investment arrangements cross borders.
WiT Access provides general information and comparison resources. Nothing on this page constitutes financial, investment, tax or legal advice. Investment access, tax treatment, product availability, fees and regulatory permissions vary by jurisdiction and individual circumstances.