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.
Two flexible plan options
Access Plan
Guaranteed fixed monthly income — your capital stays intact
4%+ p.a. fixed rate
Book a free consultation to learn more
Accumulate Plan
Maximise growth with compounded interest until maturity
5%+ p.a. fixed rate
Book a free consultation to learn more
3 Layers of Financial Security
Fixed interest accounts receive three independent levels of financial and regulatory
protection.
Layer 1
Asset Backed
Underlying property and private equity assets provide a tangible security base
for your savings.
Layer 2
Capital Guaranteed
Financial guarantees are in place for fixed interest savings options,
protecting your principal amount.
Layer 3
Insurance Wrapper
Structured as a life insurance plan: privacy protection, probate avoidance, tax
efficiency, designated beneficiaries.
Award-winning expat savings provider
2022 & 2024
Best Expat Savings and Investment Provider
International Finance Magazine Awards
2023
Best International Employee Benefits Provider
Manage HR Awards
2025
Best International Insurance Company
International Business Magazine Awards
Ongoing
The gold standard of expat insurance
International HR Adviser · 8 Gold Stars, Protection Review
The best savings & investment plans.
Yahoo Finance
The market leader.
IQ Stock Market
Total peace of mind.
Expat Finder Guide
Superior benefits & services.
International Business Times
Rated highly for customer-focused approach.
ExpatGo
Preferred choice for the international community.
Health Insurance & Protection Daily
What members say
4.4
★★★★★
441 reviews
85%
recommend Regency
Reviews you can trust
Verified on Trustpilot - rated Excellent. Genuine reviews
from Regency Assurance members worldwide.
Alan McDonald★★★★★
Great investment. Super strong company, extremely professional and have great
rates that I can’t get anywhere else.
Daniel Weller★★★★★
Very satisfied with the savings plan. Great service, always receive interest on
time. Great rates and returns.
Dennis Ford★★★★★
Amazing helpful staff, organised and very quick to respond. Things get done
properly.
Joanna Heiber★★★★★
They have been nothing short of amazing. The team know their stuff impressively
and always so kind.
Frequently asked questions
Who can open a Regency savings plan?
These plans are open to any expat residing outside their home country, as well as
globally mobile individuals and non-residents. Regency operates in over 120 countries. Minimum
investment: USD 10,000 (or equivalent in GBP, EUR, HKD or THB).
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.
What currencies are accepted?
Plans can be denominated in USD, GBP, EUR, HKD, or THB — selected at outset
and 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.