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Bring your money home! Eurozone 危機 raises 恐れるs over cash held outside UK safety 逮捕する

By Richard Dyson
Updated: 10:02 BST, 30 October 2011

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The safety of their money is once more 重さを計るing ひどく on the minds of savers as the world� �s banking system struggles to 融通する the 令状-offs 発表するd in last week’s do-or-die eurozone 取引，協定.

Europe’s banks were 軍隊d to swallow ￡100billion of Greek losses as part of the fraught 交渉s in Brussels. Many must now raise new 資本／首都.

No one 予報するs the 支配-style banking 崩壊（する）s that followed the 失敗 of US bank Lehman Brothers in 2008, but 私的な savers in Britain are 存在警告するd to check their money is adequately spread to 利益 from depositor 保護計画／陰謀s.

Investment Training Consultant Brian Glickman of Worthing, West Sussex

用心深い: Brian Glickman saves with NS&I as 政府同意して署名するs deposits

Since 2008’s 財政上の危機, British 保護手はず／準備 have been 大幅に改善するd. Depositors with banks or building societies licensed here, 含むing 分割s of a foreign bank such as Spanish-owned Santander, are now 保護するd up to ￡85,000 per person per licensed 会・原則.

This is simpler than the previous 政権, although 混乱 still arises where, for example, an 会・原則 with a 選び出す／独身 licence operates several saving brands (see 底（に届く） of page). However, other 危険s 存在する.

Some 貯金会・原則s popular with British savers, 含むing ING and Bank of Cyprus, 落ちる outside Britain’s safety 逮捕する and instead rely on the Dutch and Cypriot 計画／陰謀s それぞれ. Both the Netherlands and Cyprus are in the eurozone.

The 政府 of Cyprus, where banks have 相当な（危険などに）さらす to Greek 負債, last week said it would step in if necessary to support the country’s banking system.

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There are also dangers closer to home. ‘沖合いの／海外の’ 貯金 providers, typically 分割s of mainstream UK 会社／堅いs based in the Channel Islands or the 小島 of Man, are not covered by Britain’s 財政上の Services 補償（金）計画／陰謀. Instead they must rely on 地元の計画／陰謀s that tend to be more コンビナート／複合体, いっそう少なく generous and, かもしれない, いっそう少なく reliable.

Looking shaky: Savers are being told to play it safe and stick to banks covered by the UK compensation scheme as Greece, Italy and others totter

Looking 不安定な: Savers are 存在 told to play it 安全な and stick to banks covered by the UK 補償（金）計画／陰謀 as Greece, Italy and others totter

The Jersey and Guernsey 計画／陰謀s, for example, cover deposits up to ￡50,000. But a コンビナート／複合体全体にわたる ‘cap’ of ￡100 million, which cannot be 越えるd in any five-year period, 適用するs on 最高の，を越す of a saver’s ￡50,000 限界. The 小島 of Man 適用するs a higher, ￡200 million cap. Theoretically, these caps could 減ずる savers’ 補償（金） to nothing.

On the ￡50,000 限界, a 広報担当者 for the Jersey 計画／陰謀 says: ‘We will move to a higher 限界 if Guernsey and the 小島 of Man move, but we do not believe in 異なるing 基準s between 財政／金融 centres.’

Many savers based in Britain opened 沖合いの／海外の accounts in the Nineties when 率s 申し込む／申し出d were higher and there were perceived 税金利益s. These 利益s no longer 存在する, 専門家s say.

‘Why any UK 居住（者） would have money in an 沖合いの／海外の貯金 account is a good question,’ says 財政上の planner Yvonne Goodwin, who runs her own wealth 管理／経営会社／堅い in 物陰／風下d.

‘I 港／避難所’t seen any 沖合いの／海外の accounts 支払う／賃金ing more than UK-based ones. With any 非，不，無-UK 規則, you have no idea how the 補償（金）計画／陰謀 will work. I would advise （弁護士の）依頼人s to bring their money 支援する into UK 裁判権.’

Heather Taylor of 国家の accountant 認める Thornton agrees. ‘There remains a perception that 沖合いの／海外の saving is priv ate, and perhaps prestigious,’ she says. ‘And いつかs the service 申し込む／申し出d by 沖合いの／海外の会・原則s is good. But 論理（学）上, the UK’s 手はず／準備 mean 貯金 onshore are probably safer than どこかよそで.’

An 沖合いの／海外の災害 befell many savers with Derbyshire Building Society’s 小島 of Man 分割, which was 静かに taken over by Icelandic bank Kaupthing in 2007.

When Kaupthing failed in 2008, savers were left to the mercy of the 小島 of Man 計画／陰謀 with its ￡50,000 限界. As Taylor says: ‘Savers thought they were with a teddy 耐える, but it turned into a Viking.’

Goodwin says savers’ 苦悩 levels have fallen away somewhat since the 頂点（に達する） of the 危機. ‘Our （弁護士の）依頼人s are more relaxed now than in 2008 and 2009, but I always 警告する against complacency,’ she says. ‘That’s when things go wrong.’

Retired training 顧問 Brian Glickman, 59, is の中で the millions of savers who, while far from panicking, is 警報 to the ‘危険 of the nigh-impossible’. ‘When Northern 激しく揺する崩壊（する）d in 2007, I remember watching TV and was 懐疑的な about the need for people to 列 up to 身を引く their cash,’ he says.

‘But then I heard one man say that he had lost his 年金 with Equitable Life and he couldn’t afford to lose anything else. It brought home to me that large 財政上の会・原則s do fail. And the consequences can be terrible.’ Brian was selling his home in London and moving to 価値（がある）ing, West Sussex, where he now lives, at the 頂点（に達する） of the 危機. ‘I was 極端に careful,’ he 解任するs. ‘I had the sale proceeds 投資するd all over the place.’

In particular, he turned to 政府-owned 国家の貯金 & 投資s, where he still has 索引-linked 証明書s, income 社債s, Isas and a 貯金 ac count. All NS&I deposits are 100 per cent underwritten by the 政府.

Brian says: ‘The 率s may not be excellent on some of these accounts, but it’s as 安全な as you can get.

‘If a bank goes 負かす／撃墜する, that’s one thing. For NS&I to go 負かす／撃墜する, it would take a 十分な-blown 崩壊（する） in British social order, something like a deadly pandemic or enemy 侵略.’

How 井戸／弁護士席 are your 貯金保護するd?

Except for those 会・原則s 名簿（に載せる）／表（にあげる）d here, ALL British-based or British-owned banks and building societies 現在／一般に taking deposits from savers? are covered under the 財政上の Services 補償（金）計画／陰謀.

The FSCS gives 保護 of up to ￡85,000 per person per 会・原則. This 含むs major European-owned banks such as Santander, whose parent group is Spanish.

REMEMBER: Some 会・原則s have several brands under one banking licence, in which 事例／患者 the cover may be 限られた／立憲的な to ￡85,000 across all those brands.

For a 包括的な名簿（に載せる）／表（にあげる） of 事例／患者s where several brands 落ちる under a 選び出す／独身 licence, click the link above.

The に引き続いて are the larger? of those 会・原則s NOT covered by the British 計画／陰謀:

COVERED BY THE SCHEMES? OF JERSEY, GUERNSEY? AND THE ISLE OF MAN (up to ￡50,000 per person): A&L International, AIB International, Bank of Ireland (小島 of Man), Barclays? Wealth 沖合いの／海外の, Britannia International, の近くに沖合いの／海外の, Clydesdale International, Fairburn 私的な Bank,? Halifax International, HSBC International, Investec Channel Islands, Lloyds TSB 沖合いの／海外の, 全国的な International, NatWest 沖合いの／海外の.

COVERED BY DUTCH SCHEME? (up to 100,000 euros, ￡87,500) :Triodos Bank, ING.

COVERED BY CYPRIOT SCHEME (up to 100,000 euros): Marfin Laiki Bank, Bank of? Cyprus UK.

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Bring your money home! Eurozone 危機 raises 恐れるs over cash held outside UK safety 逮捕する

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