Open Offshore Bank account for non residents: diciembre 2012

Branch locations and contact details: Central
Barclays	54 Cornmarket St	0845 755 5555
	37 Little Clarendon St	0845 755 5555
	95 High St	0845 755 5555

HSBC (né Midland)	65 Cornmarket St	08457 404 404

Lloyds TSB	1-5 High St, Carfax	0845 300 0000

Nationwide	19 Queen Street	01865 440900

NatWest	32 Cornmarket St	0845 301 9797
NatWest	121 High St	0845 301 9799

Royal Bank of Scotland	32 St. Giles	01865 310200
Headington & Cowley (East)
Barclays	105 London Road, Headington	0845 755 5555
Barclays	4 Pound Way, Cowley	0845 755 5555

HSBC (né Midland)	108 London Road, Headington	08457 404 404

Lloyds TSB	103 London Road, Headington	0845 300 0000
Lloyds TSB	87 London Road, Headington	0845 300 0000

NatWest	Brookes - sub branch, students only	01865 742162
Summertown (North)
Barclays	211- 213 Banbury Road	0845 755 5555

HSBC (né Midland)	Prama House, Banbury Rd	08457 404 404

Lloyds TSB	203 Banbury Road	0165 741400

NatWest	249 Banbury Road	0845 308 7758
Botley (West)
Barclays	Hinksey Court, Botley	0845 755 5555

HSBC (né Midland)	Midland House, West Way	08457 404 404

Lloyds TSB	19 The Square, Botley	01865 242917

NatWest	Elms Court, Botley	0845 300 7804

Getting The Best Deal

Visit www.moneysupermarket.com and be amazed by the amount of hard work they've done in order to enable you to compare the merits of various financial services. Insurance, banking, credit cards, pensions, all have been examined to help you make an informed choice. Recommended. A similar service is offered by www.moneyextra.com, should you wish to delve even deeper.

And for cheerful and clear investment advice, do consider the nice people at Motley Fool (www.fool.co.uk). They began by suggesting that one ignore all financial advisors and invest early and often in market-linked deals which show a steady 12% a year (although at the time of updating - late 2009 - that might be somewhat difficult). They seem now to have diversified into another many-tentacled creature like the two immediately above, but are likely to have kept their no-nonsense style.

www.easy-quote.co.uk: compare credit cards, loans and mortgages.

Reclaiming Bank Charges

Some people have recently been successful in claiming back penalty charges from banks on the grounds that these are illegal. Details on the process can be found on the Which website. Please note that not having tried this ourselves, we do not necessarily recommend this course of action, but merely suggest that further investigation may be fruitful.

Checking your credit rating

If you need to establish your credit rating www.checkmyfile.com can help you so to do. Their "free stuff" is relatively unhelpful, but for a fee you can establish how you are likely to be thought of by large financial institutions. A similar service (among others) is provided by www.experian.co.uk, who will supply your credit reference file for free.

Finding an ATM - wherever you are

Link provides a locator to find your nearest ATM. Investigate on a map or enter a postcode to find your nearest: www.link.co.uk

Interactive Calculations

Visit www.Thisismoney.co.uk to conveniently calculate every kind of financial equation: VAT, currency exchange, tax, interest rates, the effects of inflation, and how to cut bills. You can even get a set of lottery numbers generated for you!

Conversion

Enter any sort of a value at www.onlineconversion.com and with one click all the complicated formulae are done for you. Lots of fun stuff too.

When it comes to meatspace conversion of actual physical money, we are told that Senli Cash & Go in the Tourist Information Centre on Broad Street has 'the best exchange rates in town', and operates on a no fee, no commission basis. It has a helpful website at www.cash2go.senli.co.uk and can be reached by phone on 01865 203319 or fax on 01865 245901.

For advice about taking money abroad, the Lonely Planet guide is most informative about arrangements in different countries. Go to www.lonelyplanet.com/worldguide and select the area you're visiting.

Several countries and territories have been designated offshore financial centres by notable institutions namely, the International Monetary Fund (IMF), the Financial Secrecy Index (managed by the Tax Justice Network) and the Organisation for Economic Co-operation and Development (OECD).Other jurisdictions however have not been designated by the such, but are known offshore financial centres as well.

Country/Territory	Designated as offshore financial centres
	IMF	FSI	OECD	Others

American Samoa				Y
Andorra	Y	Y	Y	Y
Anguilla	Y	Y	Y	Y
Aruba	Y	Y	Y	Y
Austria		Y	Y
Bahamas	Y	Y	Y	Y
Bahrain	Y	Y	Y	Y
Barbados	Y	Y	Y	Y
Belize	Y	Y	Y	Y
Belgium		Y	Y	Y
Bermuda		Y	Y	Y
British Virgin Islands	Y	Y	Y	Y

Brunei	Y	Y	Y	Y
Cayman Islands	Y	Y	Y	Y
Costa Rica	Y	Y	Y	Y
Curaçao¹	Y	Y	Y	Y
Cook Islands	Y	Y	Y	Y
Cyprus	Y	Y	Y	Y
Djibouti			Y
Dominica	Y	Y	Y	Y
French Polynesia				Y
Gibraltar	Y	Y	Y	Y

Grenada	Y	Y	Y	Y
Guernsey	Y	Y	Y	Y
Guatemala			Y
Hong Kong	Y	Y	Y	Y
Hungary		Y	Y
Isle of Man	Y	Y	Y	Y
Ireland	Y	Y	Y	Y
Israel		Y		Y
Jersey	Y	Y	Y	Y
Kiribati			Y
Latvia			Y
Lebanon	Y	Y	Y	Y
Liberia	Y	Y	Y	Y

Liechtenstein	Y	Y	Y	Y
Luxembourg	Y	Y	Y	Y
Macau	Y	Y	Y	Y
Malaysia ³	Y	Y	Y	Y
Maldives		Y	Y
Malta	Y	Y		Y
Marshall Islands	Y	Y	Y	Y
Mauritius	Y	Y	Y	Y
Monaco	Y	Y	Y	Y
Montserrat	Y	Y	Y	Y

Nauru	Y	Y	Y	Y
Netherlands²		Y	Y	Y
New Zealand	Y	Y	Y	Y
Niue	Y	Y	Y	Y
Palau^[6]	Y
Panama	Y	Y	Y	Y
Philippines	Y	Y	Y	Y
Pitcairn Islands				Y
Portugal⁴		Y	Y	Y
Samoa	Y	Y	Y	Y
San Marino	Y	Y	Y	Y
Seychelles	Y	Y	Y	Y
Singapore	Y	Y	Y	Y

Sint Maarten¹	Y	Y	Y	Y
Saint Kitts and Nevis	Y	Y	Y	Y
Saint Lucia	Y	Y	Y	Y
Saint Vincent and the Grenadines	Y	Y	Y	Y
Switzerland	Y	Y	Y	Y
Tonga				Y
Turks and Caicos Islands	Y	Y	Y	Y
United Arab Emirates	Y	Y	Y	Y
United Kingdom		Y	Y	Y
United States⁵		Y	Y
United States Virgin Islands		Y	Y
Uruguay	Y	Y	Y	Y

Vanuatu Private Bank in Vanatu	Y	Y	Y	Y
Vatican City				Y

Country/Territory	IMF	FSI	OECD	Others