The relocation toolkit for expat families

Choosing a school is one decision among many. This hub covers the practical infrastructure of a move abroad. multi-currency banking that survives international fee transfers, family health insurance that travels, housing within reach of your shortlisted schools, visas that allow your children to enrol, and the moving services that handle the rest.

Independently researched. We only feature services families have used and rated. Some links are affiliate. see disclosure below.

Affiliate disclosure. Some of the links on this page are affiliate links. when a family signs up through us, the provider pays us a small commission at no cost to you. We never recommend a service we wouldn't use ourselves, and we never accept payment to rank a provider higher. Editorial decisions are independent of commercial relationships. Links marked nofollow indicate partnerships we are still in the process of formalising.

Multi-currency banking for international school fees

International school fees are typically denominated in USD, EUR, GBP, AED, SGD or CHF. and the FX losses on a £35,000 fee transferred via a high-street bank can easily exceed £1,000 per year. Multi-currency accounts solve this in two ways: hold balances in the school's invoicing currency, and convert at near-mid-market rates when you need to.

WiseMost flexible

Hold balances in 40+ currencies, get local account details (USD, EUR, GBP, AUD, SGD, NZD, CAD, HUF), and pay school fees by SWIFT or local transfer. FX is mid-market plus a small transparent fee. typically 0.4. 0.6%.

Free accountDebit card40+ currencies
Open a Wise account →
RevolutBest for daily spend

Strong as a daily-life card abroad with great FX on small transactions. Premium tiers add travel insurance and higher monthly free FX limits. Less suited to large one-off fee transfers than Wise.

Free & paid tiersStocks & cryptoTravel cover
Try Revolut →
HSBC Expat / PremierFor high-net-worth

For families holding $100K+ in liquid assets, HSBC Premier provides a single relationship across markets. one banker, one app, one credit history that follows you. Higher fees, but the global continuity is genuinely useful.

Premier tierGlobal bankerMortgages abroad
Explore HSBC Expat →
Lloyds International / NatWest InternationalSterling-focused

If you're a UK family relocating but keeping property or pension contributions in the UK, an offshore sterling account (Jersey or Isle of Man) keeps your UK financial life intact. Useful for British curriculum families paying GBP fees.

GBP, USD, EUROffshoreUK link
Compare offshore providers →
  • Open the multi-currency account before you leave home. most providers require a residential address from your country of departure.
  • Confirm the school's preferred fee-payment currency and SWIFT vs local-transfer routing before your first invoice arrives.
  • If fees are USD-denominated, hold a USD balance. don't convert at every transfer.
  • Keep a UK or US savings buffer for credit-history continuity even after you move.

International health insurance for the whole family

Most international schools require evidence of comprehensive health insurance at enrolment. Local health insurance from the destination country may suffice, but for families who travel between markets, see specialists in a third country, or want continuity of care, an international policy is usually the right answer. Premiums vary hugely. from $3,000 to $15,000 per family per year. depending on age, geography and whether the US is included in your area of cover.

Cigna GlobalPremium choice

One of the most established international health insurers. Comprehensive cover with strong direct-billing networks in major expat hubs (Dubai, Singapore, Hong Kong, Geneva). Strong for families needing ongoing specialist care.

Worldwide coverMaternity add-onDirect billing
Get a quote →
William RussellFamily value

Often more affordable than Cigna at comparable cover levels, with strong claims service and flexible add-ons (dental, optical, evacuation). Good fit for families on standard expat packages.

Modular coverFamily discountEvacuation
Compare plans →
SafetyWing Nomad Insurance FamiliesDigital nomads

Simpler and cheaper than full international health insurance. best suited to younger, healthy families who travel often and don't need extensive specialist cover. Monthly subscription model rather than annual policy.

Monthly billingTravel-focusedUp to age 69
See pricing →
Allianz CareStrong claims

Excellent claims-handling reputation and large hospital networks. Mid-to-premium pricing. Particularly strong for families relocating to mainland Europe or to medical-tourism destinations like Bangkok.

Global networkMaternityMental health
Get a quote →
  • Confirm whether your destination country mandates local health insurance in addition to international cover (UAE, Singapore and Switzerland often do).
  • Check whether the policy excludes the United States. including the US can double the premium.
  • Ask about maternity waiting periods if you're planning another child after the move.
  • For children with existing conditions, get medical underwriting done before committing to a school placement.

Housing within reach of your school shortlist

In most international school cities, school choice and housing choice are inseparable. Either pick the school first and live within a 30-minute commute, or pick the neighbourhood first and accept the school catchment. We don't broker housing directly. but these are the platforms expat families consistently rate highly across our top 50 cities.

SpotahomeEurope rentals

Mid-term furnished rentals (1. 12 months) in Madrid, Barcelona, Lisbon, Berlin, Rome, Paris and other European cities. Good for the first 3. 6 months while you confirm school placement and find a longer lease.

Furnished1. 12 monthsEurope
Browse rentals →
BluegroundPremium furnished

Higher-end furnished apartments globally. Dubai, Singapore, Bangkok, Lisbon, London, NYC. Designed for executive relocation. Move-in ready with utilities, internet and housekeeping included.

30+ daysPremiumWorldwide
View apartments →
Idealista / Immobilienscout / SeLogerLocal listings

Country-specific real-estate portals are usually the best source of long-term unfurnished family rentals. Always faster and cheaper than international relocation agents. but in your destination's language.

Long-termUnfurnishedLocal
Best portal by city →
PropertyFinder / Bayut (UAE). 99.co (SG). Home.co.id (ID)Asia & ME

Local market leaders in Dubai, Abu Dhabi, Singapore and Jakarta. The expat-family inventory tends to live here rather than international portals. Use filters for "near international school" to refine.

Family inventorySchool filtersLocal agents
Browse our city guides →
  • Always cross-check the property's actual commute to your school using Google Maps with morning rush-hour traffic toggled on.
  • Confirm whether your school offers bus service and which districts are within bus reach. this can dramatically expand your housing search.
  • Most international schools require proof of address before the place is fully confirmed. line up 2 housing options before you commit.
  • Negotiate a "diplomatic clause" in long-term leases (early termination if your visa is revoked or job ends).

Visas that allow your children to enrol

Most countries have a "dependant visa" attached to the working parent. but the rules vary widely on whether dependants can attend public schools, attend international schools, or work. A growing number of countries also offer family-friendly self-sponsored visas (golden visas, digital nomad visas, retirement visas) which decouple your school choice from a corporate posting. We don't provide legal advice. but here are the most common visa pathways for school-age families and where to start.

Spain. Digital Nomad VisaRemote workers

1-year initial visa, renewable up to 5 years, with a clear path to residency. Spouses and children included. 24% income tax under the DNV regime for non-Spanish-source income up to €600K. Popular among Madrid and Barcelona families on US payroll.

5-year pathFamily includedTax-favourable
Family guide →
UAE. Golden Visa & Green VisaLong-term stay

10-year Golden Visa for high-earners, investors and specialised professionals; 5-year Green Visa for skilled employees and freelancers. Both let spouses and children stay alongside. School enrolment is straightforward once Emirates ID is issued.

10 yearsNo income taxFamily included
School pathway →
Portugal. D7 & D8 VisasIncome-based

D7 for retirees and passive-income earners; D8 for digital nomads earning ≥4× minimum wage. Both lead to residency in 5 years and citizenship in 5 (with language test). Lisbon and Cascais international schools are well-supplied.

EU residency5-year citizenshipNHR phase-out
Family guide →
Singapore. Employment Pass & ONE PassEmployer-sponsored

EP requires employer sponsorship and a S$5,600+ monthly salary; ONE Pass is for top earners (S$30,000+) and allows spouse to work freely. Children attend international schools without restriction once Dependant's Pass is issued.

Employer requiredDP for familyLOC for spouse
Singapore city guide →
Thailand. LTR & Smart VisaAsia hub

10-year LTR for wealthy global citizens, retirees, work-from-Thailand professionals and skilled experts. 17% flat tax for skilled professionals. Bangkok international schools are deep and competitively priced.

10 years17% flat taxFamily included
Bangkok city guide →
USA. E-2, L-1, O-1, EB-5Multiple paths

For non-US families seeking to school children in the US, the right visa depends entirely on your circumstances. investor (E-2/EB-5), intra-company transfer (L-1), extraordinary ability (O-1), or employer-sponsored H-1B/H-1B1. Take immigration counsel early.

Lawyer recommendedFamily includedPublic school OK
NYC city guide →

We are not immigration lawyers and the above is not legal advice. Visa rules change frequently. always confirm current requirements with the official consular website or a qualified immigration counsel before committing to a school placement or property contract.

International moving services that don't lose your stuff

Once school, banking, insurance and housing are sorted, the physical move is the last (and most stressful) part. International movers fall into three tiers: full-service door-to-door (premium), shipping-only (you pack), and shared-container consolidation (cheap but slow). For school-age families with deadlines, full-service is usually worth the cost.

Crown Worldwide / Santa Fe / SireloFull-service

Door-to-door packing, shipping, customs clearance and unpacking. The big three serve every major expat market and have direct relationships with corporate relocation programmes. Prices range from $4,000 (small EU move) to $25,000+ (transcontinental house).

Door-to-doorInsurance includedCustoms handled
Compare quotes →
Movinga / International Van LinesMid-tier

Quoting platforms that aggregate licensed movers across markets. Expect more variability in service quality but typically 20. 35% cheaper than the premium tier. Read reviews carefully. the local subcontractor matters more than the brand.

Quote aggregator20-35% cheaperVariable quality
Get quotes →
Shipping containers (LCL/FCL)DIY-friendly

If you're moving without a corporate package and willing to do your own packing, LCL (less-than-container-load) or FCL (full-container) shipping can save 50%+ over full-service movers. Plan 8. 12 weeks transit and budget for customs duties.

50%+ cheaper8-12 weeksSelf-pack
DIY shipping guide →
Pet relocation specialistsPets

Moving pets internationally is its own logistics problem. vaccinations, microchips, blood titres, IATA-compliant crates and quarantine windows can stretch 6 months. Use a specialist (PetRelocation, Jet Pets, Animal Couriers) rather than a general mover.

6-month leadIATA cratesSpecialist only
Pet relocation guide →
  • Get at least 3 quotes. pricing varies wildly between providers for identical service.
  • Confirm valuation cover: standard policies pay $1.50/lb, which is meaningless for actual replacement cost. Pay for full-value cover.
  • Inventory everything with photos before packing. Customs may require detailed item-level lists.
  • Ship a "first month box" with school uniforms, toys, important medication and a few favourite items by air courier so it arrives before the container.

The 12-month relocation timeline

Every family's circumstances differ, but families who move smoothly tend to follow a similar rhythm. Here's the timeline that consistently works. adjust earlier or later depending on your destination's school admissions cycle.

12 months
Decide the destination. Shortlist 2. 3 cities. Run salary, tax, fee, housing and lifestyle scenarios. Talk to families already there. Visit at least one for a long weekend.
9 months
School shortlist locked. Tour 4. 6 schools. Submit applications. Pay registration fees (usually non-refundable but small. €100. €500 per school).
6 months
Visa filed. Health insurance application started. Multi-currency bank account opened. School offers received. accept best fit and pay non-refundable deposit (typically 1 term's fees).
3 months
Visa approved. Confirm temporary housing for first 3. 6 months. Get 3 quotes from international movers. Notify current school. Start telling children.
1 month
Pack and ship. Movers arrive. Cancel utilities, redirect mail, settle local accounts. Final school records collected. First-month air-courier box shipped.
Move week
Land, register, settle. Register address (where required). Activate health insurance. Visit the school to finalise enrolment, uniform fittings, bus arrangements. First day of school is usually 7. 14 days after arrival.

Download the full relocation timeline (PDF) →

Relocation intelligence, weekly

Visa rule changes, banking offers, school openings, fee inflation. The Expat School Insider keeps you ahead of the moves you'll need to make next.

Join 10,000+ families. Unsubscribe anytime. No spam, ever.

Need a second opinion on the move?

We don't sell relocation services. We do answer parents' questions for free. about schools, fees, visas, banking, neighbourhoods. Email us, we'll point you in the right direction.

Ask a question →

Further reading

Further readingHealth insurance for international families: 2026 guide →Further readingChoosing school before or after relocating →Further readingCheck your family visa eligibility →