Asset Backed
Underlying property and private equity assets provide a tangible security base for your savings.
In partnership with Expat.comGrow your savings at 10%+, wherever you are in the world.
Your savings deserve better than a standard bank account. Regency offers expats high fixed-interest savings plans, accessible from 120+ countries in multiple currencies.
Get your free consultation & personalised illustration
An adviser will contact you within 24 business hours
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Award-winning Named Best Expat Savings and Investment Provider 2022 & 2024.
Why a Regency savings plan?
As an expat, your financial situation is unique: income in multiple currencies, complex taxation, assets spread across borders. Most traditional banking solutions were not built for you.
Regency Financial Services, a Regency Assurance company regulated by the FSRC, provides internationally mobile individuals with insurance-wrapped savings plans delivering guaranteed fixed returns, no market volatility, and significant tax advantages across 120+ countries.
Access Plan
- Guaranteed fixed monthly income
- Your capital stays intact
4%+ p.a. fixed rate
Book a free consultationAccumulate Plan
- Maximise growth with compounded interest
- Interest compounds until maturity
5%+ p.a. fixed rate
Book a free consultation
3 layers of financial security, and awards to back it up
Fixed interest accounts receive three independent levels of financial and regulatory protection, and Regency's track record is recognised across the industry.
Capital Guaranteed
Financial guarantees are in place for fixed interest savings options, protecting your principal amount.
Insurance Wrapper
Structured as a life insurance plan: privacy protection, probate avoidance, tax efficiency, designated beneficiaries.
Best International Employee Benefits Provider
Manage HR Awards, 2023
Best International Insurance Company
International Business Magazine Awards, 2025
The gold standard of expat insurance
International HR Adviser, 8 Gold Stars, Protection Review
You might be the perfect fit
Regency plans are open to any expat residing outside their home country, as well as globally mobile individuals and non-residents.
- ✓ You're an expat residing outside your home country
- ✓ You're a globally mobile individual or non-resident
- ✓ You live in one of the 120+ countries Regency operates in
- ✓ You have USD 10,000+ (or equivalent in GBP, EUR, HKD, THB) to invest
Is the 10%+ rate truly fixed?
Rates are contractually fixed at subscription. Unlike stock market investments, they are not subject to market fluctuations. Your free review will confirm the exact rate applicable to your plan, term, and deposit amount. All investments carry inherent risk; rates are illustrative.
- Denominated in USD, GBP, EUR, HKD, or THB, fixed for the plan term
- Access Plan members receive monthly interest directly to their bank account
Ready to grow your savings?
Book your free consultation. A Regency adviser will contact you within 24 hours.
Partner terms & legal information
This offer can be withdrawn or amended at any time. Rates are illustrative; your personalised illustration will confirm the exact rate applicable to your plan, term and deposit amount. All investments carry an inherent risk of loss.
Regency Financial Services is a trading name of Regency Assurance, regulated by the FSRC. Minimum investment USD 10,000, or the equivalent in GBP, EUR, HKD or THB, fixed for the plan term.
Regency Financial Services may not be able to offer plans in every country or region, and products are available only where they may lawfully be offered. Your tax situation depends on your personal circumstances; Regency recommends you obtain independent tax advice.
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