UK Banks 英國銀行

英國有好多不同的銀行,其中一些是零售銀行,有分行和網上理財服務,而有些只提供網上理財(虛擬銀行)。在開設銀行戶口之前可以先進行一些研究,看看哪家銀行服務最適合你的個人需求。


There are many different banks in the UK with some providing both online and high street banking services, whereas some only does online banking. It is a good idea to carry out some research before opening a bank account and to see which bank would be suitable for your personal needs.


零售銀行 ~ Top UK High-Street Banks

  • Lloyds Bank Group ( Lloyds, Halifax and Bank of Scotland )

  • NatWest Group ( NatWest, Royal Bank of Scotland and Ulster Bank )

  • Barclay's

  • HSBC

  • Santander UK

  • Virgin Money

  • TSB

  • Metro Bank

較少分行的銀行 ~ Banks with fewer branches

  • Bank of East Asia ( BEA ) 東亞銀行

Building Society

  • Nationwide

  • Coventry

英國虛擬銀行 ~ UK Online Banks

  • Monzo

  • Revolut

超級市場的銀行 Supermarkets' Banks

  • Tesco Bank (1997)

  • Sainburys' Bank (1997)

  • The Co-operative Bank (1872)

  • M&S Bank (1989) ~parent: HSBC Bank Plc

 

零售銀行 Retail Banks


Lloyds Bank Group consist of :

Lloyds Bank, Bank of Scotland, and Halifax


萊斯銀行集團包括

萊斯銀行、蘇格蘭銀行、和哈利法克斯銀行


總部:愛丁堡和倫敦

Headquarters: Edinburgh and London



Lloyds Bank 萊斯銀行 (駿懋銀行)

Pronunciation 發音:Loi-d-s

https://www.lloydsbank.com


有分行,網上理財和手機App服務。

High Street, Online and Mobile banking services.


Lloyds Bank was created in 1695, it is one of the oldest banks in the UK.

始建於1695年,它是英國最古老的銀行之一。

分行位於英格蘭,蘇格蘭和威爾士。

High-Street branches are in England, Scotland and Wales.




Bank of Scotland 蘇格蘭銀行

https://www.bankofscotland.co.uk


Bank of Scotland 的分行僅在蘇格蘭。有網上理財和手機App服務。

High Street, Online and Mobile banking services. Bank of Scotland are only located in Scotland.


母公司是萊斯銀行(駿懋銀行)集團。

Parent company is the Lloyds Banking Group.


Reference: https://www.thescottishsun.co.uk/news/scottish-news/5225708/bank-of-scotland-lloyds-banking-closures-group/


Halifax 哈利法克斯銀行

https://www.halifax.co.uk

有分行,網上理財和手機App服務。分行位於英格蘭蘇格蘭威爾士和北愛爾蘭。

High Street, Online and Mobile banking services. High-Street branches are in England, Scotland, Wales and Northern Ireland.

母公司是萊斯銀行(駿懋銀行)集團。

Parent company is the Lloyds Banking Group.



NatWest Banking Group (formerly the RBS Group plc) consist of:

NatWest, Royal Bank of Scotland and Ulster Bank


國民西敏寺銀行集團(以前是RBS Group plc)包括:

國民西敏寺銀行、蘇格蘭皇家銀行、和阿爾斯特銀行


  • 總部:愛丁堡

  • Headquarters: Edinburgh

  • Founded in 1969 成立於1969年

  • 62.4% is owned by the UK government

  • 英國政府擁有62.4%


NatWest 國民西敏寺銀行

(National Westminster Bank)

https://personal.natwest.com/personal.html


有分行,網上理財和手機App服務。分行位於英格蘭威爾士和蘇格蘭。

High Street, Online and Mobile banking services. High-Street branches are in England, Wales, and Scotland.




Royal Bank of Scotland (RBS) 蘇格蘭皇家銀行

https://personal.rbs.co.uk/personal.html

有分行,網上理財和手機App服務。分行位於蘇格蘭英格蘭和威爾士。

High Street, Online and Mobile banking services. High-Street branches are located in Scotland, England and Wales.

母公司是國民西敏寺銀行集團。

Parent Company is the NatWest Holdings.


RBS was found in 1880 成立於1880年

Reference: https://www.thetimes.co.uk/article/budget-2020-sale-of-last-royal-bank-of-scotland-shares-delayed-6zcb5hjdr



Ulster Bank 阿爾斯特銀行

https://digital.ulsterbank.co.uk/


阿爾斯特銀行的分行僅位於北愛爾蘭。有網上理財和手機App服務。

The Ulster Banks are only located in the Northern Ireland. High-Street, Online and Mobile banking services.


母公司是國民西敏寺銀行集團。

Parent Company is the NatWest Holdings.

Reference: https://www.belfastlive.co.uk/news/belfast-news/bank-worker-raided-20k-elderly-8662907





Barclay's 巴克萊銀行

Pronunciation 發音:Bar-cleeys


https://www.barclays.co.uk

有分行,網上理財和手機App服務。分行位於英格蘭蘇格蘭威爾士和北愛爾蘭。

High Street, Online and Mobile banking services. High-Street branches are located in England, Scotland, Wales and Northern Ireland.


成立於1925年,總部位於倫敦。

Barclay's was established in 1925 with its headquarters in London.




HSBC UK 英國滙豐銀行

https://www.hsbc.co.uk


有分行,網上理財和手機App服務。分行位於英格蘭蘇格蘭威爾士和北愛爾蘭。

High Street, Online and Mobile banking services. High-Street branches are located in England, Scotland, Wales and Northern Ireland.


成立於1880年,總部位於倫敦。

HSBC was established in 1880 with its headquarters in London.

倫敦唐人街分行

Branch in London China Town




Santander UK 桑坦德銀行

Pronunciation 發音:San-tan-dare


https://www.santander.co.uk

有分行,網上理財和手機App服務。分行位於英格蘭蘇格蘭威爾士和北愛爾蘭。

High Street, Online and Mobile banking services. High-Street branches are located in England, Scotland, Wales and Northern Ireland.

母公司是西班牙桑坦德銀行集團,成立於1988年。總部位於倫敦。

Owned by the Spanish Santander Group and was established in 1988. Headquarter is in London.




Virgin Money 維珍銀行

https://uk.virginmoney.com/


有分行,網上理財和手機App服務。分行位於英格蘭蘇格蘭威爾士和北愛爾蘭。

High Street, Online and Mobile banking services. High-Street branches are located in England, Scotland, Wales (Cardiff) and Northern Ireland (Belfast).


它成立於2003年,總部位於 Newcastle。

It was founded in 2003 and its headquarter is in Newcastle.




TSB Bank TSB 銀行

https://www.tsb.co.uk/personal/

有分行,網上理財和手機App服務。

High Street, Online and Mobile banking services.

母公司是西班牙薩瓦德爾銀行集團。

Parent company is the Spanish Bank Sabadell Group.



Metro Bank (大都會銀行)

https://www.metrobankonline.co.uk

有分行,網上理財和手機App服務。

High Street, Online and Mobile banking services.


Metro Bank是一間成立於2010年的英國銀行。Metro Bank促進簡單化,並宣傳“你可以在幾分鐘之內在網上開設戶口”,而無需要特別去分行進行申請。

Metro Bank是英國100多年來,第一間開設實體分行的銀行!

優勢:使用Metro Bank的Debit卡 (等於香港EPS) 和信用卡在歐洲購物和提取現金(撳錢)是沒有手續費。 這通常是虛擬銀行(例如monzo,Revolut)的優勢,但是同一時間Metro Bank有實體銀行服務!

有些分行星期日都會開。


Metro Bank is a UK bank founded in 2010. It promotes simplicity and advertise ‘you can open your account within minutes’ without the need going into the branch.

First new high street bank to launch in the United Kingdom in over 100 years!


Perk: Free transactions in Europe (making purchases and taking out case) when using the Metro Bank Debit and Credit cards. This is normally a perk of online banks (e.g. monzo, Revolut), but Metro Bank has high street bank services as well!

Some branches open on Sunday.




BEA (Bank of East Asia) 東亞銀行

https://www.hkbea.co.uk/html/en/index.html


有分行,網上理財和手機App服務。

High Street, Online and Mobile banking services.

UK Branch: London (1990), Birmingham (1997) and Manchester (2013)

英國分行: 倫敦 (1990年),伯明翰 (1997年)和曼徹斯特城 (2013 年)


London Branch in China Town

倫敦分行 (唐人街)




 

銀行與Building Societies 的分別:

Differences between banks and building societies:

https://www.lovemoney.com/news/2101/banks-vs-building-societies-which-is-safer

https://www.allthelenders.org.uk/education-centre/personal-finance/what-is-the-difference-between-a-building-society-and-a-bank/


銀行:在股票市場上市,因此銀行是歸股東所有並為股東帶來利益。

Building Societies: 沒有外部股東。 按揭,儲蓄戶囗和往來戶口客戶擁有投票權而作出決定,所以客戶是被視為society 的 ‘會員’。因為無需向任何股東支付股息,因此可以向其成員提供更好的利息和按揭利率。


Banks: listed on the stock market so it is owned by and run to the benefits of the shareholders.

Building Societies: No external shareholders. Mortgage borrowers, savers and current account holders are ‘members’ who vote on decision that affect the society. Not required to pay dividends to any shareholders so can offer better interest rates on savings and mortgages to their members.


Building Societies can give traditional bank products (government allowed in the 80s)

Building Societies 可以提供傳統的銀行產品(政府在80年代允許)



Nationwide Building Society

https://www.nationwide.co.uk

Founded in 1846

成立於1846年



 

英國虛擬銀行 UK Online Bank


Monzo

https://monzo.com/i/current-account/


  • Founded in 2015

  • 成立於2015年

  • Headquarters: London

使用手機App服務 ( 從蘋果App Store 或 Google Play Store去下載 Monzo app )

Uses mobile banking services (Download Monzo app on Apple App Store or Google Play Store)



  • Debit Card (等於香港EPS)

  • 你的資金是受到FSCS的保護,最高達到 £85,000

  • 消費:在世界任何地方可以用任何貨幣在商店,餐廳和在線上支付,無手續費。

  • 直接收萬事達卡匯率(不收取手續費)

https://www.mastercard.co.uk/en-gb/consumers/get-support/convert-currency.html

  • 在國外提取現金(撳錢):

o 歐洲經濟區(EEA)是免費

o 其他國家/地區:每30天最高可以免費提取£200,之後就要收取3%

FSCS = Financial Services Compensation Scheme


  • Debit card

  • Your money is FSCS protected up to £85,000

  • Free to spend: pays in shops, restaurants and online, anywhere in the world and in any currency , with no fee.

  • Charge directly from Mastercard exchange rate (no admin/transactions fee)

https://www.mastercard.co.uk/en-gb/consumers/get-support/convert-currency.html

  • Cash withdrawal abroad:

o Fee-free in European Economic Area (EEA)

o Other countries: Up to £200 for free every 30 days, after that charges 3%

FSCS = Financial Services Compensation Scheme


Revolut

https://www.revolut.com

  • Founded in 2015

  • 成立於2015年

  • Headquarters: London


網上理財和手機App服務。

Online and Mobile banking services.


使用手機App服務 ( 從蘋果App Store 或 Google Play Store去下載Revolut app )

Uses mobile banking services (Download Revolut app on Apple App Store or Google Play Store)

Revolut與Monzo非常相似,奕有額外功能,例如免費以30種貨幣向國外匯款。

Revolut的個人戶口也有不同類型和服務,從標準(0英鎊),高級(6.99英鎊/月)和金屬級(12.99英鎊/月)。


Revolut is very similar to Monzo with extra features such as transferring money abroad in 30 currencies for free.

There are also different types of Revolut personal accounts ranging from standard (£0), Premium (£6.99/m) and Metal (£12.99/m) with different services.




更多詳細資料關於如何開設英國銀行戶口,請瀏覽我們的網頁。

Please visit our webpage "How to Open a UK Bank Account" for more details.