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Which are the best banks for British digital nomads?


by @isabellabrookes | 5yr  | 12 comments

Iโ€™m British, so this is aimed at other Brits but Iโ€™m sure many others will chime in with their Qs.

I normally bank with Halifax and already have a Halifax Clarity Credit Card (if you donโ€™t, you probably should - 0 international fees, baby!) but they are not willing to unblock cards or send out cards in an emergency.

Are there any UK banks that are great for digital nomads and those times where you need a new card shipped to you in Thailand/Mexico/Galapagos Islands or any other issues that might occur when youโ€™re travelling?

I assume global banks like HSBC or Citibank might be the best options but I always prefer recommendations.

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I havenโ€™t used them myself but there are easy online banking options like

https://www.nemeabank.com/

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@prof | 4yr

For international wire transfers HSBC is unbeatable in my opinion. Just ยฃ4 per transfer.

The exchange rate isnโ€™t great but you can always just have it transferred in GBP and have the overseas bank youโ€™re sending to do the conversion if thatโ€™s an option. This is how I have always dealt with sending wires to Thailand it beats any quote Iโ€™ve had from a forex service.

For day-to-day use I have a Norwich and Peterborough Building Society current account with VISA card. They donโ€™t charge for foreign currency transactions and their exchange rate is pretty good also.

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@paulrose | 5yr

+1 for the Halifax Clarity. Althoughโ€ฆ I ordered it a few weeks ago, they said it would take 3-5 days. Forgot all about it and gave up hope, then they said itโ€™s being sent out just as I got to Thailand. Argh!

Now I need to somehow get it shipped to Thailand.

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@nomadicme | 5yr

HSBC is good - I recommend them. They have served me well across world travels although be warned they donโ€™t work in some countries (Myanmar, Belarus, Ukraine, etc.). Call before traveling to get this list where your ATM card wonโ€™t work.

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@kmander | 5yr

For day-to-day spending; Halifax Clarity, Revolut.com, or supercard.io are superb options. Fees arenโ€™t the only enemy; itโ€™s the rate that you get that matters. I certainly know Halifax wonโ€™t issue replacement cards outside the UK โ€“ this can only be an interesting consideration for nomads.

http://www.moneysavingexpert.com/ is your guide for general current account recommendations. First Direct is usually touted as the best option.

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@sturob | 5yr

Definitely not HSBC. โ€œThe worldโ€™s local bankโ€ is a total lie. They left me high and dry in Australia a few years back.

Always have cards from multiple banks and a viable forwarding address in the UK.

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@kmander | 5yr

Halifax Clarity is the leader, without a doubt. Use a friend/family member to forward on a replacement card, should the need arise.

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@sarab | 5yr

Hi, I faced this issue just recently (stolen cards) and as far as I can tell, the only credit card that will send you a replacement abroad is American Expressโ€ฆ
Anyway good tip about Halifax clarity! Must get itโ€ฆ

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@freedomsurfer | 5yr

What you could do is get a mail forwarding address in the UK and in the case of an emergency have your new card mailed there and then have it forwarded to wherever you are in the world. That way you can continue banking with Halifax.

This company has one of the cheapest mail forwarding package in the UK:
http://payasyougopost.com

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I already use one but the rates are so expensive and I might as well abuse my brotherโ€™s generosity to handle my (little) mail.

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@ride | 4yr

And it has a pretty bad reputation, see: https://www.google.com/search?q=payasyougopost

Yeah, itโ€™s a big one in the UK, but in the end, you still donโ€™t have too many choices I guess, in the UK.

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Ugh, I donโ€™t qualify for Amex at the moment. :frowning: Bah humbug!

Iโ€™ll have a hunt around and see if anyone says anything differently, but I only have about 10 days left in UK.

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How to get SMS verifications for banks while traveling?

 

by @jackgopack | 22h 21 hours ago | 38 comments

Any suggestions for seamlessly receiving SMS Verifications from US financial institutions and other sites while traveling internationally continuously? Wonโ€™t keep my US Verizon account due to cost and currently plan to use local sims at each destination (T-Mobile and Project Fi are NOT an option as they terminate for continuous roaming). In summation, I wonโ€™t have a US mobile account.

Unless Iโ€™m missing something, which is very possible, this appears to be the single most complex issue Iโ€™ve encountered in my preparations, and one that no one addresses. I would greatly appreciate any possible solution that works 100% of the time. Canโ€™t afford surprises in this regard. Many Thanks! Jack.

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Any Ph.D students dissertating while a digital nomad?


by @larsheather | 3mo 3 months ago | 5 comments

Anyone know of any groups or resources for Ph.D. students working on dissertation while living as a digital nomad? I know there are several virtual writing groups around, but wondered if there were any specifically for digital nomads, particularly those who are dissertating.

Thanks!

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Does international health insurance for digital nomads exist?

 

by @al_steffen | 3mo 3 months ago | 59 comments

Hey Nomads!

Iโ€™m looking for an international health insurance (no travel insurance) for my nomadic life. It should cover the basic services and at least be accepted in the EU (itโ€™s ok if itโ€™s not accepted in the US as Iโ€™m aware they rarely are). Nice to have: enter into a contract online. Anyone got a good experience or a recommendation?

Thanks in advance!

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I dream of being a digital nomad? How do I do it?


by @programmingmark | 5mo 4 months ago | 2 comments

Hello digital nomad!

I dream of being an independent digital nomad. But it feels very elusive & unattainable with my success rate. In full disclosure, whilst I have dreamed about making money online since high school; I have not earned a single cent making money online. $0, nada, zilch!! On the contrary, I have spent a lot of time & money on books, podcasts. Even though I have spent a lot of time reading/listening to others, I do not have anything to show for it!

I have made attempts in the past to start an online business, but these fizzle out quite quickly when I do not see traction especially when the goal I have set myself is too high.

Instead of reaching for the ultimate nomadic lifestyle goal, I want to start much smaller. Really small! I am simply looking to make $50 profit per month from a new online business. Thatโ€™s it.

I need some advice from you please!

  • Is $50 profit too low? How long did it take you to earn $50 profit per month?

  • What is a good way of achieving this goal?

Thanks
Mark
aka the $0 online business entrepreneur

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How do digital nomads pay tax?


by @rodriigovieira | 5mo 5 months ago | 19 comments

Hello everyone! Iโ€™m new here and probably this is a very newbie question, but it doesnโ€™t leave my head.

How do you, nomads, pay your taxes? I mean, if youโ€™re constantly traveling, how are you going to pay taxes for a certain country if you are going to stay there a short period of time?
Or do you return to your โ€œoriginal countryโ€ and then pay them?

By the way, this forum has very nice cool formatting features! :smile:

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Best place for Digital Nomad in Latin America?


by @rose_davis | 7mo 7 months ago | 7 comments

Hi!

I am planning to move to Latin America for 3-4 months (Oct-January). Iโ€™ve narrowed down 6 different places that I want to visit before committing to settling down, but Iโ€™d love to get some community input.

Here are the cities Iโ€™m considering:

  • Quito, Ecuador
  • Cuenca, Ecuador
  • Medellin, Columbia
  • Cartagena, Columbia
  • Antigua, Guatemala
  • San Marcos La Laguna, Guatemala

The most important things Iโ€™m looking for:

  • Fast/easily accessible internet
  • Easy to meet other nomads/make friends in general
  • Safe for women
  • Some sort of spiritual community (Iโ€™m also a yoga teacher)
  • Easily walkable city

Anyone have any experience with these places and can give some insight? Iโ€™m also completely open to other recommendations.

Thanks!
Rose

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How do we solve housing for digital nomads?

 

by @levelsio | 8mo 7 months ago | 61 comments

Thereโ€™s been a lot of discussion on this recently.

Nomads usually stay in hostels, hotels and short-term apartments. But itโ€™s all not very optimal.

Iโ€™ve heard people suggest getting funding and building a network of houses you can stay at for a subscription price (e.g. Bruno Haid is working on that).

I donโ€™t want do physical stuff, so Iโ€™m thinking of building a platform around making housing better for nomads.

What are the housing problems nomads face? And how can we solve them with products/services?

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How do we solve housing for digital nomads?

 

by @levelsio | 8mo 7 months ago | 61 comments

Thereโ€™s been a lot of discussion on this recently.

Nomads usually stay in hostels, hotels and short-term apartments. But itโ€™s all not very optimal.

Iโ€™ve heard people suggest getting funding and building a network of houses you can stay at for a subscription price (e.g. Bruno Haid is working on that).

I donโ€™t want do physical stuff, so Iโ€™m thinking of building a platform around making housing better for nomads.

What are the housing problems nomads face? And how can we solve them with products/services?

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How is Sicily for digital nomads?


by @gaelm | 9mo 9 months ago | 15 comments

Hi all, I was looking for a cool spot in Southern Europe for winter and Iโ€™m considering Sicilyโ€ฆ Have you ever been there? If yes, how was your experience? If not, why?
thanks!

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How is Sicily for digital nomads?


by @gaelm | 9mo 9 months ago | 15 comments

Hi all, I was looking for a cool spot in Southern Europe for winter and Iโ€™m considering Sicilyโ€ฆ Have you ever been there? If yes, how was your experience? If not, why?
thanks!

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How is Bari, Italy for digital nomads?


in Bari, Italy by @mitch_dina | 9mo 9 months ago | 7 comments

Greetings!
Does anyone have experience in Bari, Italy please? We are thinking of going from Dubrovnik, Croatia to Bari by boat in mid-March. Has anyone taken a boat across? Is it nice or can it be choppy? (We are trying to avoid planes, to reduce our carbon footprint, so adding more surface travel.) Also, any info you might be able to offer about Bari and the surrounds? Next step will likely be trains up Italy as the Spring progresses.

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How is Bari, Italy for digital nomads?


in Bari, Italy by @mitch_dina | 9mo 9 months ago | 7 comments

Greetings!
Does anyone have experience in Bari, Italy please? We are thinking of going from Dubrovnik, Croatia to Bari by boat in mid-March. Has anyone taken a boat across? Is it nice or can it be choppy? (We are trying to avoid planes, to reduce our carbon footprint, so adding more surface travel.) Also, any info you might be able to offer about Bari and the surrounds? Next step will likely be trains up Italy as the Spring progresses.

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How is Mauritius for digital nomads?


in Mauritius by @wakkos | 10mo 10 months ago | 14 comments

Hello all,

Iโ€™m planning on spending a couple of month in Mauritius Island and even when Iโ€™ve been there for a week, never rented or worked there.

Does anyone here has tips or experience to share about Mauritius?

Cheers!

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How is Mauritius for digital nomads?


in Mauritius by @wakkos | 10mo 10 months ago | 14 comments

Hello all,

Iโ€™m planning on spending a couple of month in Mauritius Island and even when Iโ€™ve been there for a week, never rented or worked there.

Does anyone here has tips or experience to share about Mauritius?

Cheers!

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Are there any digital nomad fitness retreats?


by @ryanjames | 10mo 10 months ago | 1 comment

Hey all:

Does anyone here have any experience attending a full time fitness bootcamp or a fitness resort while working? I know there is one in Cambodia for digital nomads (Fitness Retreat Resort Kep Gym), unfortunately the time difference vs my work schedule would make my life suck if I tried to go there. Iโ€™m looking for a place between US and Europe timezones that lets you live with them, kicks your butt with fitness, but would also have good WiFi/accommodate working eight hours a day. Iโ€™m also open to other tangential ideas for something close-ish to get that same experience.

Thanks for any help!

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Best place to set up a company selling digital services?


by @pras_k | 11mo 10 months ago | 10 comments

Whatโ€™s the best place?
For residency Iโ€™m looking at Portugal and they have the NHR (non habitual resident) program which would exempt dividends from foreign income.
So all Iโ€™m really looking for is the best place to actually start the company.
Biggest factors are of course low taxes and ease of setting up the company plus a business bank account that enables me to receive payments through Stripe.

What I found so far:
Hong Kong
Corporate tax rate of 16.5% (8.25% for the first HK$2 million)
โŠ•/โŠ– offshore income from outside HK is exempt from taxation but itโ€™s not clear whether this can be done in the first year and prorated or if itโ€™s only through filing the offshore exemption claim. This might take two years and requires not income from HK at all. More info on that would be great
โŠ– seems very difficult to get a business bank account
โŠ– necessary services and fees are roughly around โ‚ฌ2000 / year
โŠ– accounting requirements seem to be very strict
โŠ• Doesnโ€™t require local partner
โŠ• Agencies available that seem to handle most of the work

Singapore
Corporate tax rate of 17% (0% on the first S$100k, 8.5% up to S$300k)
โŠ– requires a local director. What are the implications of this?

Malta
Corporate tax rate of 35%
There is the โ€œfull imputation systemโ€ but I donโ€™t really understand it.
"In most cases, the tax refund to the shareholder is 6/7 of the tax paid by the company on profits distributed as dividends. The tax refund rate may be different in the following cases: " This would result in an effective corporate tax of around 5%.
โŠ– European customers would have to pay VAT and Iโ€™d have to deal with that

Cyprus
Corporate tax rate of 12.5% and there seem to be ways to lower this
โŠ– European customers would have to pay VAT and Iโ€™d have to deal with that
โŠ– requires staying in Cyprus for 2 months / year

I find it surprising how much research this requires and how much โ€œit dependsโ€ information is out there when Iโ€™d assume that there are probably thousands of digital nomads who probably have very similar requirements.

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Do you "out" yourself as a digital nomad?


by @larsheather | 11mo 11 months ago | 2 comments

When you meet new people or reconnect with old friends, do you โ€œoutโ€ yourself as a digital nomad? The simple question โ€œwhere do you live?โ€ makes us uncertain now. We wonder if some places may be less welcoming to digital nomads, or if โ€œdigital nomadโ€ has a negative connotation in some places. If you are forthcoming from the start, does your status as a digital nomad make it hard to form friendships?

We would love to hear how other people navigate thisโ€ฆ how to balance being authentic in relationships vs. withholding the context (and allowing people to assume youโ€™re on vacation, for example).

Thanks!

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Property Ownership - should digital nomads buy properties?


by @sparrow_23 | 12mo 11 months ago | 16 comments

I have been a digital nomad for the last couple of years. I have always worked in tech and now run a couple of profitable online businesses that give me a reliable income and allow me to fund a nomadic lifestyle.

I recently exited one of my businesses and I am considering to invest the income from the sale in properties, mainly for 2 reasons:

a) I donโ€™t want to keep wasting my money in renting apartments across the cities I stay

b) I believe in properties as investment and I want to diversify my investment portfolio (mainly stocks)

After years of constant wander from one place to another, now I am the type of digital nomad who sticks to few locations: I mainly rotate across 4 places each year (San Francisco, Medellin, Berlin, Bali). Buying a house in each of those location would be difficult and too expensive. Therefore, I was wondering if there was any sort of service that combines an investment opportunity with the ability to access different properties around the world (even if just for a limited time per year) ?

Imagine living in 4 cities per year and having a house in each place that you can exclusively use for 3 months and at the same time having your investment growing (this depending on the market, of course). Wouldnโ€™t that be great? I believe it could be done via a property fund selling you a share and giving you access to some of their properties for a limited timeframe each year.

Has anyone heard of anything like that?

Thanks!

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Apple TV and Netflix: Do these work for Nomads?


by @lricci | 1yr 1 year ago | 8 comments

We launch in 2 weeks. In the US, we use Apple TV and Netflix regularly. Do these work abroad?

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Ko Lanta or Ko Phangan - which island is better for a digital nomad?


in Ko Lanta, Thailand by @melinda | 1yr 1 year ago | 6 comments

Iโ€™m currently in Penang, Malaysia and I was thinking to head to Thailand next. What are the best islands in Thailand to get some work done? I was considering either Ko Lanta or Ko Phangan because those both islands have coworking spaces. I might need to take some client calls, also video. Is the wifi good enough? Are there any other differences between the islands?

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