Customer Tax Information

Confirm your personal tax details with us

On this page

Why are we requesting this information?

Guidance for completing the form

Frequently asked questions (FAQs)

Talk to us

Send us feedback

Complete the online tax information form

If you are a Non-Personal customer, please visit the Non-Personal Customer Tax Information Hub.

Why are we requesting this information?

Under the terms of our regulatory obligations we must periodically review documentation held for our customers.
We need to obtain refreshed information from you.

Why tax information is important

We are obliged under international tax law to confirm and hold tax information including; where you are resident for tax purposes and your Tax Identification Number (TIN).

As a financial institution, we may be required to identify and report information regarding customers who are tax resident elsewhere to the relevant tax authorities due to obligations under the Foreign Account Tax Compliance Act (FATCA) and Common Reporting Standards (CRS) regimes.

If we do not hold up to date tax information for you, this could lead to us reporting out of date information to tax authorities and inconvenience you.

Guidance for completing the form

Why do we send Tax Reports to the tax authorities? Close

Why do we send Tax Reports to the tax authorities?

We have a legal obligation to identify customers’ tax residencies and tax statuses. This is because local tax authorities have signed international agreements to share information for tax reasons.

How do I determine my Country of Tax Residency? Close

How do I determine my Country of Tax Residency?

Please note that residency does not necessarily mean that you are obliged to pay tax in that country as Tax residency is determined by rules within each individual country. For example being born in the USA, even if you no longer live there, may mean you are still expected to pay tax as a resident. Living in the UK for more than 182 days makes you resident in the UK for tax purposes. It is possible to be resident for tax purposes in more than one country, even if you are not a tax payer.

We are unable to advise your country of tax residency as this is unique to each individual’s circumstances. Please seek independent advice should you be unsure of your tax residency status.

If you need further information around Tax Residence, please visit: https://www.oecd.org/tax/automatic-exchange/crs-implementation-and-assistance/tax-residency/#d.en.347760

What are US Persons? Close

What are US Persons?

U.S. law (FATCA) treats U.S. persons and foreign persons differently for tax purposes.

It is important to be able to distinguish whether you are classified as US Persons for tax purposes. These are all US Persons:

An individual who is a US citizen or US resident alien
A partnership, corporation, company, or association created or organised in the US or under the laws of the US
An estate (other than a non-US estate), or
A US trust

What sort of documents may be needed? Close

What sort of documents may be needed?

For Personal customers, documents may include Passports, ID cards, Certification of Tax Residency (eg P45) and similar documents. It may also include a certificate of loss of Nationality for someone who would normally be treated as a US Person for tax purposes, but who is no longer to be treated as such.

For Non Personal customers, documents may include Certificates of Incorporation, Partnership Agreements, Trust Deeds and Audited Accounts.

Any documents can be provided as scanned copies and will not need to be certified.

We'll be in touch with full details if we need you to provide documentation.

What if I do not provide the information you are asking for? Close

What if I do not provide the information you are asking for?

If you do not provide the tax information and any documents we ask for, we are still required under law to provide details to the relevant tax authority.

If you complete the online form, it will help us to decide whether we need to include you in a Tax Report or not.

Incomplete or incorrect information held may result in your tax situation being incorrectly reported, which may have a negative impact; for example triggering a tax investigation.

What is a Tax Identification Number (TIN)? Close

What is a Tax Identification Number (TIN)?

A Tax Identification Number (TIN) is a generic term for the unique reference number held for an individual or entity by Tax authorities. For example, this might be a National Insurance Number, a Corporation Tax Number or Social Security Number. More information on TINs can be found on the OECD website:

https://www.oecd.org/tax/automatic-exchange/crs-implementation-and-assistance/tax-identification-numbers/#d.en.347759

What if I do not have a Tax Identification Number (TIN)? Close

What if I do not have a Tax Identification Number (TIN)?

Where you do not have a TIN, we need to understand why that is. For example, if you were born in or reside in a jurisdiction that does not issue TINs (e.g. the Cayman Islands) or you are in the process of obtaining a TIN (in which case we would ask you to provide it to the Bank once you have obtained it).

What happens after I complete the form? Close

What happens after I complete the form?

We may need to contact you again if any of the information we have requested is missing or unclear or if any further questions arise from the information you provide.

If everything has been provided and we require no further information, we won't be back in touch.

Please note that if you are enrolled for our SMS alert service you may receive an automatically generated SMS text notification from us when we update your details.

I hold US citizenship, is there any specific information that I should provide on my form? Close

I hold US citizenship, is there any specific information that I should provide on my form?

If you hold US Citizenship (including dual citizenship or a right to permanently reside in the United States (Green card holder)) you should include this information when asked about your nationality/citizenship, and provide your US Social Security Number under the Tax Residency section. If you have disclaimed your US Citizenship/Green Card, you may be asked for your formal waiver documentation to support this.

Complete the online form

The letter or email we sent you contains your Customer Reference Number which you'll need in order to complete the form.

It's important that the form is completed fully and that the information you provide is correct.

Go to Tax Information form

Guidance for completing the form

Frequently Asked Questions (FAQs)

Why have you written to me? Close

Why have you written to me?

To ensure compliance with the Foreign Account Tax Compliance Act (FATCA) and the Common Reporting Standards (CRS) regulations, the bank are required to obtain Tax Identification Numbers (TINs) and Countries of Tax Residency, together with details of any US Citizenship from customers, and report those who are deemed reportable under the regulations.

It is important that we have the correct information, so that we can provide accurate Tax Reports to Tax Authorities. Inaccurate reporting may inconvenience you, including the possibility of triggering a tax investigation.

What do I need to do? Close

What do I need to do?

You will need to enter the relevant details into an online form via a dedicated button accessed from the Bank’s main website as detailed on your letter. Guidance on the page will advise you when and how to provide any supporting documentation required.

What happens if I don’t respond? Close

What happens if I don’t respond?

If you do not respond, we will have to use the information we currently hold and Tax reports will be based upon presumption rules which meet the regulatory requirements.

Inaccurate reporting may inconvenience you. If we incorrectly record your tax residency you may be reported to a wrong jurisdiction and potentially face a tax investigation.

You already know my details, why do I have to resupply information that you already have? Close

You already know my details, why do I have to resupply information that you already have?

We are required to regularly validate information that we hold. By asking customers to update their information, we can be confident that we are checking our records against information that is current and correct.

How will the information be kept? Close

How will the information be kept?

We have taken steps to ensure that any information you provide, whether electronic or paper, is stored securely by the Bank.

I am not able to provide the information within the time allowed. What should I do? Close

I am not able to provide the information within the time allowed. What should I do?

Please call our dedicated helpline on the number as provided in the covering letter between 9am and 5pm Monday to Friday (UK time) and we will be happy to help. Alternatively, please email us using the email address quoted in your letter and we will happily respond to your query.

I’m having difficulty completing the online form, how can I get help? Close

I’m having difficulty completing the online form, how can I get help?

If you are having difficulty accessing or completing the form please contact us on (0) +44 1624 632374 for alternate ways to provide your information. Alternatively, please email us using the email address quoted in your letter and we will happily respond to your query.

Please note that we are not able to offer you any tax advice. If you have any questions concerning your tax status you should seek independent advice.

Are there any charges if I call the helpline? Close

Are there any charges if I call the helpline?

Calls to the helpline, which can be found in your covering letter, are charged at your standard network rate when calling an Isle of Man-based landline. The cost of calls from mobiles or from other locations may vary.

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By telephone

Give us a call on (0) +44 1624 632374

Lines are open from Monday to Friday 9am - 5pm, except on bank holidays.

If outside these hours please leave a message and we'll contact you as soon as we can. Calls may be recorded.

Email us

We will respond to you within two working days of the receipt of your email.

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