Can serve my country of residence
Why it matters. An account you cannot open is not a comparison.
What to check. Ask whether residents of your country are accepted today.
Wealth
Understand account eligibility, custody, investment access, fees and portability before choosing a platform across borders.
A platform is the account through which investments are held. It is not the investment itself.

An investment platform is the infrastructure through which you hold and trade investments. It may give access to funds, shares, bonds, ETFs, cash and other investments, but the platform itself is not the investment.
For internationally mobile investors, the important question is not simply which platform has the broadest product range or lowest headline fee. It is whether the account can continue to serve you when your country of residence changes, how assets are held, what reporting is available and what happens if you need to transfer elsewhere.
A platform that works well while you live in one country may impose restrictions, limit new purchases or stop accepting new money after you move.
The best platform is not necessarily the one with the most investments. It is the one that fits your residence, service needs and long-term plans.
Residence, the service you actually need, and what you may want to do later are the comparison. A long product list does not answer whether the account can stay open, who holds the assets, or what it costs to leave.
Availability varies by jurisdiction. Ask the provider about your circumstances, and check anything structural with a qualified adviser.
WiT Access does not recommend a platform or decide whether an account is suitable for you. The comparison on this page uses publicly stated features. It is not a fee table. Confirm eligibility, charges and product access with the provider.
The basics
A platform may provide the account, access to investments, dealing, custody, cash handling, statements, tax documentation, online access and a way to transfer holdings elsewhere. Which of those you receive depends on the firm and on where you live.
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You
02
Investment platform
03
Custodian / nominee
04
Funds, shares, ETFs, bonds, cash
The exact legal structure varies. Always check how assets are held and which legal entity provides the service.
Service type
Typically provides
May suit
Typically provides
May suit
Typically provides
May suit
Definitions vary between firms. Always read the actual service description.
Cross-border investing
Some platforms may no longer accept new money or new products once you move.
Some funds or securities may become unavailable in certain jurisdictions.
Your adviser may not be authorised to continue advising you in the destination country.
The same account or investment wrapper may be treated differently abroad.
Your new country may require different reporting or tax information.
Cash balances, fees and investments may involve multiple currencies.
Eligibility
Firms may look at current residence, tax residence, citizenship and nationality. They may decline some countries, distinguish existing clients from new ones, or limit an account type. Local permissions can also decide whether the firm is willing to provide the service at all.
Investment range
Breadth on its own is not a reason to choose a platform. What matters is the range you could use from your country of residence.
A large product range has little value if the investments you want are unavailable in your country of residence.
Custody
The platform operator is the firm you deal with. A custodian, sometimes through a nominee, may be the entity in whose name investments are registered. You may still be the beneficial owner. Cash is often held under separate client-money arrangements.
Segregation is the idea that client assets are kept apart from the firm’s own assets. What that means if a firm fails depends on the structure of the account and the country involved. This page does not describe a compensation scheme. Ask which protections apply to your account.

What you see
The platform you log in to
Dealing, reporting and the relationship may sit with this firm.
What may sit behind it
Custodian, nominee and cash account
Investments and cash may be held by a different legal entity. Ask which one.
How you invest
You make decisions. The platform executes.
An adviser recommends. You approve.
A manager can decide within an agreed mandate.
How fees differ is conceptual here. Ask the firm for its own schedule. This page does not publish rates.
Costs
The charge for the account itself.
A charge for holding and administering investments, where it is billed separately.
Costs inside funds or other products, which may not appear on the platform fee.
A charge when you buy or sell.
The gap between the price you can buy at and the price you can sell at.
A fee or a margin on the rate when currencies are converted.
A charge for moving holdings to another provider.
A charge for closing the account, if one applies.
A charge for advice, if advice is part of the service.
A charge where someone manages the portfolio for you.
An administration charge for a particular account type, where one exists.
Currency
Currency conversion can arise when you buy an investment in another currency, withdraw in a different currency, or fund the account from somewhere else. The currency of a fund and the currency you deal in are not always the same. A provider’s spread, and repeated small conversions, can matter as much as a platform fee.
FX cost comparisonTax wrappers
An account that receives favourable tax treatment in one country may not receive the same treatment elsewhere.
The categories people ask about include ISA-type accounts, pension accounts, other retirement accounts and tax-deferred wrappers. This page does not say how any of them will be taxed. That depends on the countries involved and on your circumstances.
Reporting
Once more than one country may ask about the same assets, the useful record is the detail: what was bought and sold, what income was paid, and in which currency. A performance chart is not a tax pack.
Portability
An in-specie transfer moves holdings themselves. A cash transfer follows a sale. Some investments cannot be held by the firm you want to move to. Exit charges may apply. Timing is set by the two firms, not by a general promise.
Selling in order to move can have tax and market consequences. Ask before you instruct a sale. This page does not estimate how long a transfer takes.
Reading a comparison
A comparison should not be a league table. The most important criterion depends on what you need the platform to do.
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Who the platform will accept, by residence, nationality and account type.
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Which countries the firm says it can serve, and which it will not.
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What you can actually buy from your country of residence, not the global list.
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Who holds the assets, how they are registered, and how cash is kept.
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Whether you decide, an adviser recommends, or a manager acts within a mandate.
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The full annual cost, not only the headline platform charge.
07
When currency is converted, and how that conversion is priced.
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The records you receive, and whether holdings can move without a sale.
A comparison is not a recommendation. Confirm current terms, eligibility and charges with the provider.
Checklist
Why it matters. An account you cannot open is not a comparison.
What to check. Ask whether residents of your country are accepted today.
Why it matters. Permission to stay and permission to add money can differ.
What to check. Ask what changes if your residence changes.
Why it matters. The list on a public site may be wider than the list offered to you.
What to check. Ask which investments are available to your residence.
Why it matters. A fund can be easy to buy in one country and unavailable in another.
What to check. Ask about the specific funds you care about, not the catalogue.
Why it matters. Markets, order types and settlement can be limited by where you live.
What to check. Ask which markets you could deal on.
Why it matters. Funding, investing and withdrawing may not share one currency.
What to check. Ask which currencies you can hold, and how conversion is priced.
Why it matters. You need to know who holds the assets if something goes wrong.
What to check. Ask for the custodian and how assets are registered.
Why it matters. An external adviser may or may not be able to view or instruct the account.
What to check. Ask what access a third-party adviser can be given.
Why it matters. Cross-border tax questions depend on records, not on a dashboard summary.
What to check. Ask for a sample statement and a sample tax pack.
Why it matters. Leaving should be part of the decision to join.
What to check. Ask whether holdings can move without being sold.
Why it matters. A conversion margin can matter more than a low platform fee.
What to check. Ask for the rate basis and any separate FX charge.
Why it matters. Headline fees often exclude funds, dealing, FX and advice.
What to check. Ask for one annual figure in percent and in money.
Due diligence
Ask for the legal name of the firm you would contract with, not only the brand.
Ask which regulator, and in which country, supervises that entity.
Ask about your current country of residence, not a general international service.
Ask whether the account can stay open, and what would change, if your residence changes.
Holding what you already own and being allowed to buy more can be different permissions.
Ask specifically about new contributions, not only about keeping the account.
Ask which products would be unavailable to a resident of your country.
Ask for the name of the custodian and whether it is a separate firm.
Ask how investments are registered, and whether they are segregated from the platform’s own assets.
Cash and investments are often held differently. Ask which rules apply to cash.
Ask for every recurring and transactional charge, not only the platform fee.
Ask how the exchange rate is set and whether a separate charge is added.
Ask whether holdings can move to another provider without being sold.
Ask for samples that show transactions, income, gains and currency.
Ask whether the original cost of holdings is kept, and whether it can be exported.
Ask what an adviser you appoint would be able to see or instruct.
Ask the provider. This page does not publish minimums.
Ask what it costs to leave, including any fee for closing or transferring.
Ask how dividends, rights issues and similar events are processed and reported.
Ask what notice you would get, and whether you could transfer or would have to sell.
Watch for
A warning sign is not automatically a reason to reject a platform. It is a reason to ask more questions.
Common situations
The questions are whether the account can stay open, whether you can still buy or add money, and whether the same investments remain available. Keeping the account is not the same as keeping every feature.
Eligibility is assessed on where you live now, and sometimes on nationality and tax residence as well. A platform that would have accepted you before the move may not accept a new application afterwards.
The adviser and the platform can be different firms, in different places. Ask whether the adviser may still advise you, and whether the platform will let that adviser see or instruct the account.
The question is which currency risks are deliberate, how often money is converted, and what that conversion costs. A multi-currency facility is a feature to understand, not a reason to choose a firm by itself.
Before relocation
After relocation
Questions people ask
No. This page explains what to ask. It does not rank firms, list them, or suggest an investment.
Sometimes. Ask the provider whether it can continue to serve someone resident in the country you are moving to. Some accounts stay open. Some restrict new money. Some are closed. This page cannot tell you which applies to you.
Not automatically. Permission to keep the account, to hold what you already own, and to buy more can be three different answers. Ask the provider about each.
A platform is usually the account through which investments are held and dealt. A broker is often described in terms of market access and execution. Firms use the words differently. Read the service description rather than the label.
Custody is where investments are held and how they are registered. The firm you log in to may not be the legal entity that holds the assets. Ask who the custodian is.
Sometimes, if the firm you are moving to can hold the same investments. That is often called an in-specie transfer. Not every holding can move. A sale can have tax and market consequences. Ask both providers before you instruct one.
You choose the investments and the firm carries out your instructions. The firm is not recommending them. You remain responsible for whether they are suitable for you.
A platform may produce tax documents or discuss an account in general terms. That is not advice on your tax position. Treatment depends on the countries involved. Check with a qualified adviser.
An account that is tax-advantaged in one country may not be treated the same way in another. Whether you can keep contributing, and how income and gains are treated, depends on both sets of rules and on the provider. This page does not decide that treatment.
Ask for the expected total annual cost in both percentage and money terms. Include the platform, funds, dealing, foreign exchange and any advice. A low headline fee can sit beside other costs.
Not by default. It can matter if you fund, invest or withdraw in more than one currency. Ask how conversion is priced before treating multi-currency as a benefit.
Only if they are permitted and willing to advise you where you will live, and if the platform allows that arrangement. Ask the adviser and the platform. A relationship that worked in one country may not continue in another.
Further reading

Tax
6 min read

Mobility
8 min read

Wealth
Read the guide
These pages explain what to ask. They do not list firms, fees or rates.
WiT Access provides general information and comparison resources. Nothing on this page constitutes financial, investment, tax or legal advice. Provider availability, fees, investment access and tax treatment vary by jurisdiction and individual circumstances.
Professional support
Compare platforms
Compare investment platforms that may be relevant to internationally mobile investors and people who want access to global markets. Availability, account eligibility, product access and tax wrappers vary by country of residence.
Some providers may have commercial or referral relationships with WiT Access. Commercial relationships do not determine editorial inclusion or ranking.
WiT Access compares platform features using publicly available information. We do not recommend investments or determine whether an account is suitable for you.
What to compare
01
Can you open and keep the account?
02
Who legally holds the assets?
03
What can you actually buy?
04
Can you hold cash in multiple currencies?
05
Platform, trading, FX and transfer charges.
06
What happens when you move country?
You choose the investments and give the dealing instructions.
May suit someone who wants to select holdings themselves.
Ask which markets, order types and tax wrappers are available from your country of residence.
The firm builds and looks after a portfolio within a stated approach.
May suit someone who wants the portfolio run for them.
Ask what the mandate allows, how often it is reviewed, and what happens to contributions after a move.
A self-directed account aimed at clients in more than one country, often with several markets and currencies.
May suit an internationally mobile investor who expects to change country.
The legal entity, the products and the investor protection can still change with residence.
The range is built around exchange-traded funds, sometimes with a managed portfolio as well as a do-it-yourself account.
May suit someone who wants fund access without picking individual shares.
An ETF range is not the same as access to every listed share, and wrappers can still be national.
The account can cover several asset types, and some services let you follow or copy another portfolio.
May suit someone comparing a broader asset list, including features that are not traditional funds.
Copying a portfolio is not personal advice. Crypto, where it is offered, is a separate risk from shares and funds.
Total platform cost can include a custody or platform fee, a dealing fee, an FX markup, a fund ongoing charge, a transfer fee, a withdrawal fee, and inactivity or other service charges where they apply.
Total cost
8 platforms listed for comparison.
Self-directed platform
UK-centric, but public help content confirms overseas residents can be accepted in some circumstances, and non-UK-resident account and transfer scenarios are supported.
Listed for comparison. Availability varies by jurisdiction.
Multi-asset platform
Regulated across multiple regions; services and restricted countries vary by entity and local law.
Listed for comparison. Availability varies by jurisdiction.
UK investment platform
The website is intended for UK-resident investors. Existing clients can continue trading after moving abroad, but contribution and account-opening restrictions apply. Treatment of a move inside the EEA differs from a move outside the EEA.
Listed for comparison. Availability varies by jurisdiction.
Global investment platform
Clients from 200+ countries and territories; account structures and available products vary by IBKR affiliate and local rules.
Listed for comparison. Availability varies by jurisdiction.
Self-directed platform
Primarily a UK platform. International investing access is broad, but cross-border account eligibility and portability should be confirmed for each circumstance.
Listed for comparison. Availability varies by jurisdiction.

ETF-focused platform
UK-centric. An ISA requires UK tax residence. An existing ISA can remain open after moving abroad, but new contributions are generally restricted.
Listed for comparison. Availability varies by jurisdiction.
Self-directed platform
The supported-country list spans the UK, much of Europe, Australia and selected other markets. The entity depends on country of residence.
Listed for comparison. Availability varies by jurisdiction.
Digital managed platform
New accounts are mainly for UK residents. Channel Islands residents can open a general investment account. Moving abroad may restrict contributions or continued service, depending on the destination.
Listed for comparison. Availability varies by jurisdiction.
Compare availability, portability and whether charges are published. Fee transparency is not a rating of cost. Open a platform for account types and the longer notes.
| Provider | Type | Availability | Portability | Markets | Managed option | Fee transparency | View |
|---|---|---|---|---|---|---|---|
| Self-directed platform | UK with selected overseas continuity | UK, with overseas limits | International securities are supported | Selected products | Very high | View | |
| Multi-asset platform | Strong international access | Multi-country | International multi-market proposition | Selected products | High | View | |
| UK investment platform | UK with selected overseas continuity | UK, with overseas limits | UK platform with UK and overseas investment access | Selected products | Very high | View | |
| Global investment platform | Strong international access | Multi-country | 170 markets | Selected products | High | View | |
| Self-directed platform | UK with selected overseas continuity | UK, with overseas limits | Broad international investing access | Selected products | Very high | View | |
![]() | ETF-focused platform | Primarily UK | Primarily UK | ETF access rather than broad direct | Yes | Very high | View |
| Self-directed platform | Strong international access | Multi-country | Access to major US and European | Not core | High | View | |
| Digital managed platform | Primarily UK | Primarily UK | Underlying portfolios are diversified | Yes | High | View |
| Provider | Type | Availability | Portability | Fee transparency | View |
|---|---|---|---|---|---|
| Self-directed platform | UK with selected overseas continuity | UK, with overseas limits | Very high | View | |
| Multi-asset platform | Strong international access | Multi-country | High | View | |
| UK investment platform | UK with selected overseas continuity | UK, with overseas limits | Very high | View | |
| Global investment platform | Strong international access | Multi-country | High | View | |
| Self-directed platform | UK with selected overseas continuity | UK, with overseas limits | Very high | View | |
![]() | ETF-focused platform | Primarily UK | Primarily UK | Very high | View |
| Self-directed platform | Strong international access | Multi-country | High | View | |
| Digital managed platform | Primarily UK | Primarily UK | High | View |
Self-directed platform
Multi-asset platform
UK investment platform
Global investment platform
Self-directed platform
ETF-focused platform
Self-directed platform
Digital managed platform
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, and account eligibility and tax treatment depend on individual circumstances and jurisdiction.
Understand the questions to ask, the costs to compare and the restrictions that can change when you move.