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英國銀行戶口的運作和性質與香港銀行戶口不同。
The purpose and nature of international bank accounts in the UK are different to Hong Kong.
英國國際銀行戶口會要求你保持一定數量的存款或投資。如果你無法維持一定的資金量，銀行會將向你收取月費。一些銀行可能允許你在國外 (例如香港) 開設此類戶口。
The UK International bank accounts will require you to keep a high minimum balance of saving or investment. If you are unable to sustain a curtain amount of money, you will be charged a monthly fee. Some banks may allow you to open this type of account aboard e.g. Hong Kong.
在香港，任何普通綜合銀行戶口都可以讓你買賣外幣，系統會顯示銀行即時的匯率。
列子: 購買一些英鎊 (£)
當你確認買入 £100時，你綜合戶口裏面的港幣會被轉換成£100的英鎊存款。
帳戶持有人可以在銀行以現金形式提取外幣存款。
In Hong Kong, any personal intergrated accounts will allows you to quickly buy and sell the foreign currency you are interested in and keep different currencies within your account. The system will show you the current rate which the bank offers.
Example: Purchasing some Sterling pounds (£)
Once you accept and confirm purchasing £100, your money in your HKD account will be exchanged and you gain £100 in your account.
The account holder can withdraw the Pound Sterling in the form of cash at the bank.
但是:
英國的普通銀行戶口沒有該功能，將要求客戶另外申請國際銀行戶口。
英國國際戶口的運作是
出國旅行或移民
網上支付外幣交易
網上理財將自己的外幣轉去另一個外幣戶口
開英國國際戶口時要記住的因素：
你不能直接從英國銀行提取你自己的外幣存款。（例如，你的美元($)存款必須從英國銀行轉換為英磅(£)後才能提取）
大多數國際戶口不提供存款利息
某些戶口不可以轉換多種貨幣
當你想轉一些錢入另一個外幣戶口時 (例如: 歐元 (€))，銀行會利用即時匯率在你的普通戶口將英鎊轉換為歐元，然後存入你選擇的國際外幣戶口。
However :
The UK current accounts does not have that function and will require customers to apply for an international bank account.
In the UK, the purpose of an international bank account is
For moving or travelling abroad
For online transferring foreign currency to another foreign currency account
When paying foreign currency transactions online
Factors to keep in mind when opening international accounts:
You cannot take out your own foreign currency deposits directly from the bank. (E.g. Your USD$ deposits has to be converted to Pounds £ before withdrawing from your UK bank )
Some accounts may not have the function to convert between different currencies.
Most international bank accounts does not offer interest on balances.
When you want to transfer some money to a foreign currency account (example: Euros (€)), the bank will use the real-time exchange rate to convert your Pounds (£) to Euros (€) in your ordinary current account, and then deposit straight into your chosen foreign currency account.
列子 1:
萊斯銀行 (Lloyds) 和巴克萊銀行 (Barclays) 有提供國際戶口。
萊斯銀行 : Lloyds International account
月費: £7.50
存款/投資最低 £25,000或 年薪收入至少 £50,000
巴克萊銀行 : Barclays International account
沒有月費，但需要存款/投資最低 £25,000 或 年薪收入至少 £50,000 ，否則收取月費 £40
兩間銀行還提供 Debit 銀行咭 (等於香港EPS)，持有人可以在世界各地提取現金。
萊斯銀行(Lloyds) : 英鎊 (£)，歐元 (€)，美元 ($)
巴克萊銀行(Barclays) : 只有英鎊 (£)
Example 1:
Lloyds and Barclays both offer international bank accounts
Lloyds International Bank Account:
Monthly fee: £7.5
Annual income of at least £50,000 OR save/invest at least £25,000
Barclays International Account:
No monthly fees for those who has an annual income of at least £50,000 OR save/invest at least £25,000, otherwise a monthly fee £40 will be charged.
Both banks also offer a debit card and the account holder can use it to withdraw money around the world.
Lloyds: Sterling pounds (£), Euros (€) and US dollars ($)
Barclays: Sterling pounds (£) only
列子 2:
也有一些銀行提供開設免費的國際銀行戶口。
如果你己經是他們的客戶，你可以在網上理財上直接申請。但該戶口僅用於在網上理財將自己的外幣轉去另一個外幣戶口，並且無法直接提取外幣現金。
並非所有國際帳戶都可以將你的英鎊存款直接轉換為外幣去另一個外幣戶口。
每間銀行都有不同的要求和政策，因此請向每個銀行查詢。
Example 2:
Some other banks offer free international account if you are already have an account with them.
You can open it online via online banking, but the account is solely for transferring the foreign currency between different accounts. No foreign cash withdrawal available.
Not all international accounts have the function of converting the sterling pounds to the foreign currency and send it to the other foreign currency account.
Each bank have different policies and requirements so please check with each bank.
More Examples 更多列子:
Barclays:
沒有月費，如果
年薪收入至少 £50,000 或 存款/投資最低 £25,000
No monthly fees if
Annual income of at least £50,000 or save/invest at least £25,000
Lloyds:
Monthly fee 月費: £7.50
Annual income of at least £50,000 or save/invest at least £25,000
年薪收入至少 £50,000 或 存款/投資最低 £25,000
Premier International Accounts
沒有月費，但需要存款/投資最低 £100,000 或 年薪收入至少 £100,000
No monthly fees if save/invest at least £100,000 or annual income at least £100,000
International Saving Accounts
NatWest
Santander:
Halifax:
Monthly fee 月費: £7.50
Annual income of at least £50,000 or save/invest at least £25,000
年薪收入至少 £50,000 或 儲蓄/投資最低 £25,000
Bank of Scotland:
如果你想擁有一張 Debit 銀行咭都可以在世界各地提款，你可以考慮申請一個虛擬銀行的往來戶口。例如: Monzo 或 Revolut 兩間銀行的戶口都是免費。
*想知道如何申請虛擬銀行戶口，請參閱我們 '開設英國銀行戶口'的貼文。
*想知道更多資料有關 Monzo 和 Revolut參閱我們，請參閱我們’英國銀行’ 的貼文。
如果想在英國直接向銀行購買外幣，英國人可以點樣做？
If you wish to have a debit card and withdraw money around the world in any currency, you can consider applying for a virtual online bank account with either Monzo or Revolut. Both banks accounts are free of charge.
*Please visit our post 'Open a UK Bank account' to see how to apply for a virtual bank account.
*Want to know more details of Monzo and Revolut, please see our in our ‘UK bank’ post.
*If you want to find out how to buy and sell foreign currency in the UK, please see our ‘foreign currency exchange in UK’ post.
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