I live in Canada and wanted a UK bank account so that the UK Dept of Work and Pensions could deposit my UK pension in GBP rather than converting it to C$ at an unfavourable rate, and so that I could easily send money to relatives or companies in the UK. While visiting the UK I tried to open an account at Lloyds Bank etc. and was refused, however by using a relative's valid local address the same as the one on my old UK DL, I got a "Basic Bank Account" from HSBC, with no fees. Met my needs better than a HSBC account for high net worth folks that would have cost a lot. After returning home I changed the address to Canada without a problem. To move GBP to other currencies I found Forex to work well for me. I now have no-fee bank accounts in Canada, US and the UK. It would be nice to have an Australian account, e.g. for use on visits. I have a TFN and my brother is Australian, but that's as far as it goes. Any ideas on if I can get an Australian bank account? The regulations that are in place to stop money laundering and comply with the US IRS rules create real problems for middle class folks with roots in more than one country.