XdC · Diez de Cambournac
Living abroad: how should you prepare a private banking discussion?
When living abroad, first confirm whether the bank can consider your circumstances and the service you need. Residence, relevant countries and any U.S. Person status should be discussed before a detailed introduction. An “international” client offering does not mean universal access.
By Diez de Cambournac · Published on
What information should you provide initially?
Describe your country of residence, the country of your project, your banking need and any planned move. Distinguish nationality, residence and tax circumstances: do not assume a passport answers every question. The institution will specify what it needs for its assessment.
A simple opening is enough: “I live in Asia and would like to explore a banking relationship in Luxembourg for [need]. A change of residence is being considered around [timeframe].” Identity and financial documents can wait for the secure channel specified by the professional.
Does access to an account mean access to every service?
No: request separate confirmation for the account, advice, management and financing you need. Clarify the contracting entity and service scope in your country of residence. The professional must confirm the terms applicable to your case.
What should you clarify if you are a U.S. Person?
Raise this at the outset and ask the institution how it determines the applicable status. Ask which services and documents are affected. Do not infer acceptance merely because a bank works with American clients.
Reporting and tax treatment questions should be reviewed with a professional competent in the relevant countries. Charles does not determine your tax residence or validate your reporting obligations.
What happens if you move again?
Before choosing a relationship, ask how to notify the bank of a move and what might need reassessment. Clarify remote support, languages and meeting requirements. Practical arrangements matter as much as the offer described in a brochure.
Diez de Cambournac, based in Luxembourg, can consider introductions for international projects, including situations involving the United States, Mauritius or Asia. Describing these situations does not guarantee that a partner accepts every residence or service.
Sources and references
Sources consulted on 2 October 2026. The institutions cited are documentary references; their mention does not imply a partnership or recommendation.
Solutions related to this topic
- International clients
- Expatriates and international families
- U.S. Persons' projects in Europe
- Private banking in Luxembourg
This guide prepares a conversation. It is not personalised financial, legal or tax advice.
An initial conversation
It all starts with
a conversation.
Take the time to understand your situation, then identify the relevant professionals together.