Money in two countries, without losing a slice of it.
Living across borders means accounts in two places, money that has to cross between them, and a set of rules about what's protected that nobody explains until it matters. These guides come from people who made the move, and they cover the three things newcomers get wrong: the account, the transfer, and the guarantee.
The cross-border banking guides
In the order the questions arrive. Each stands alone; together they're the whole picture.
Opening a bank account in Cyprus
What they ask for and why, the source-of-funds questions that catch people, local bank vs app account, and the order to do things in so you're not paying rent from a UK card.
Read the guideMoving money between countries
The fee is a decoy; the exchange rate is the cost. How to read a quote, what changes when the sum is a house rather than a pension, and a four-step check before any transfer.
Read the guideIs your money safe abroad?
What deposit guarantees cover, per person and per bank; what actually happened in Cyprus in 2013; and why an app-based account is protected differently from a bank.
Read the guideThe checklists for the move, and a longer-term project
Free checklists for the whole relocation, ready now. A companion app for the money side is in development as a longer-term project.
The relocation checklists
Seven interactive checklists covering the whole move, banking included. Tick things off, save as PDF, come back to them. Free.
Open the checklistsAxial: your money's moving companion
Selling up and moving abroad scatters your finances across two countries. Axial is a longer-term project to keep them in one view, with no launch date yet. Leave your email and we'll tell you when there is something to show.
Educational guidance, not regulated financial advice. We don't recommend banks, transfer services or products, and nothing here replaces advice from a regulated adviser who knows your full circumstances.
Latest from the money desk
Practical, plain-English reads to help you move, manage and grow.
Conveyancing: What Your Solicitor Is Actually Doing All That Time
Searches, enquiries, the draft contract, exchange and completion, in order, with why each one takes as long as it does, what you can do to speed it up, and where Cyprus plays by different rules.
Read articleFunds, Fees, and Why Costs Matter More Than You Think
What a fund actually is, index versus active explained without a side, how to read a factsheet, and the arithmetic of a one percent fee over thirty years, which is larger than almost anyone expects.
Read articleHow Blockchain and Crypto Actually Work, Without the Hype
A blockchain is a shared ledger nobody owns. What a coin is, what a wallet really holds, why a lost key is gone forever, and why an exchange is not a bank. Education, not a recommendation.
Read articleAsk about banking across borders
Stuck between two banking systems, or about to be? Tell us where you are and what you'd like to feel clearer about. Plain-English answers, guidance not sales.
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