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Expat Investor : January February 2008
have had to adapt accordingly." The Bank launched its online service back in 2000. "Our philosophy is that online banking should only be seen as an additional product or tool, one to complement our existing extensive banking service. "Clients still require a personal service which they can rely on, not just for transactions but also for enquiries and information. The obvious advantage of online banking is the ability for clients to have instantaneous access to their account 24/7, combined with the knowledge that at Kaupthing Singer & Friedlander they continue to benefit from a very personalised service." Mr Aidan goes on to explain how the Bank created its online ISLE OF MAN expatinvestor.com 16 EXPAT INVESTOR January/February 2008 capability for clients. "It was important for us to make the system intuitive and, where possible, operations are 'one click', or the user is guided through in much the same way as one would use an iPod. "A good example of this streamlining is our online payment process which is very comprehensive and covers all types of international payments. We also have payment 'templating', functionality, where clients can save formats for regular payments, which further reduces the need to re-key information. "Streamlining the user experience can be let down if the platform is slow to respond and we realised early on that many of our international customers may not have a broadband connection. We have intentionally made the structure of the site pages as lightweight as possible, thereby avoiding any unnecessary images and animations. "Because of this the website will perform adequately via a basic dial-up connection." Kaupthing Singer & Friedlander (IOM) stresses that security is of paramount importance. To which end, the Bank introduced a two-phase PIN based security system providing protection against so called 'key- logging' viruses. "All payments are inspected by staff and we have sophisticated pattern detection technology to flag up suspect activity," confirms Mr Aidan. Savers get their act together with Anglo Irish Bank (IOM) Gary Quaggan, Head of Personal Savings, says, "At Anglo Irish Bank, we specialise in savings and offer a range of accounts, each designed to do something different, and fit into an expat's lifestyle. "It's advisable to keep some money readily available, and our Privilege Access Account combines immediate access to your funds with the sort of rate normally associated with a notice account. "Many expats value the ability to receive income from their savings on a monthly basis, perhaps to cover recurring bills, or because they are retired and want regular income. "With our Privilege Income Account, interest can be sent to a nominated UK bank account, or added to your account each month. Not all money needs to be immediately available, of course, and our 7 and 90 Day Notice Accounts offer a higher rate of interest. "For savers looking for a longer term home for their money, plus absolute certainty, there is no substitute for fixed rate accounts, which let you know exactly what 24 months, and offer the added flexibility of access to 20% of your capital per annum, without any penalty. Alliance & Leicester International 22401 Anglo Irish Bank (IOM) 22402 Bank of Scotland International 22403 Bradford & Bingley International 22404 Britannia International 22405 Fairbairn Private Bank 22407 Irish Permanent International 22408 Kaupthing Singer & Friedlander (IOM) 22409 Standard Bank Offshore 22410 Zurich Bank International 22411 For more information just enter the above numbers on the Reader Reply Ser vice coupon on page 20 or visit www.expatinvestor.com FAST FACTS return you will be getting, and over what timescale. Anglo's Privilege Fixed Interest accounts are available for 12, 18, or "All Anglo accounts come with a pledge to keep rates competitive over the long term, something which particularly appeals to expats who tend to have busy lifestyles, and can't always be expected to follow every rate change in the savings market." Continued from page 15 Would you want to know that, no matter where you were in the world, you would be taken to the best place for treatment? To get the feeling, there's only one number to call. Choose our repatriation and evacuation option Call +44 (0) 1273 208181 www.bupa-intl.com Your calls will be recorded and may be monitored "I love the feeling that I will be flown home if I need to be" The above example draws from the experiences of a number of our members or staff; it is not intended to represent the details of any specific individuals or their circumstances. Fast Facts 22013 Isle of Man's financial pulling power