Corporate Card Programmes

Henderson Morgan is an active participant in the emerging worldwide prepaid card and the traditional debit card marketplaces. Through our distribution agreements with card processing companies and issuing banks, we offer various opportunities to corporations that wish to manage their own prepaid card programmes.
We also offer the possibility to financial intermediaries to provide cards to their clients in conjunction with the other services they provide. They allow the clients of the intermediary to gain physical access to their funds without the need to make an international transfer.
Our pre-paid and debit cards are a natural fit for people involved in international trade, seeking to streamline processes for payments to employees, consultants, agents or managers that are travelling regularly on company business.

Our card solutions are designed to meet diverse payment needs quickly and efficiently.

Companies are changing the way in which they do business. They need to eliminate cumbersome processes and overheads costs whilst demanding greater convenience, flexibility and security.

We can provide assistance in designing a card program that fits your needs. For example:


•Dividend, Incentive, Forex payouts, Employers, Contract Agencies
•Membership based affiliation applications i.e. Credit Unions, Banks with an existing account holder base
•Loan, Benefit Payout Applications i.e. payday, micro loans operations
•Insurance payout program, Pension payout program
•Commission payout applications Network Marketing Organizations, Affiliate payout
•Travel, Remittance Card Programs
•Gas stations, Telecommunications, cellular phones companies, cable TV companies, department stores, supermarkets
•Gaming and gambling industry: casino sites, online poker rooms, sports betting websites, waging websites, etc.
• Corporate expenses
• Employee bonuses
• Interest payments
• Payroll
• General purpose reloadable cards
• Loyalty and reward programs
• Unlimited cards for high net worth individuals
• Dividend, Incentive, Forex payouts, Employers, Contract Agencies
• Loan, Benefit Payout Applications i.e. payday, micro loans operations
• Commission payout applications, Network Marketing Organisations, Affiliate payout
• Membership based affiliation applications i.e. Credit Unions, Banks with an existing account holder base
• Loan, Benefit Payout Applications i.e. payday, micro loans operations
• Insurance payout program, Pension payout program
• Travel, Remittance Card Programs
• Gas / petrol stations, Telecommunications, cellular / mobile phone companies, cable & satellite TV companies, department stores, supermarkets
• Gaming and gambling industries: casino sites, online poker rooms, sports betting websites, waging websites, etc...

3 things to consider when opening an offshore account

When opening a UK current account you have a choice when it comes to which account best suits your needs and it is exactly the same when considering an offshore account.

There are literally thousands of international providers out there all offering a range of accounts so how on earth can you find the best offshore bank account?

There are 3 things to consider when choosing a provider.



Safety & Security

The number one consideration when you open an offshore account is the safety and security of your money. Make sure any bank or financial institution is based in a politically and economically stable jurisdiction, with suitable regulation.


Financial Advantage

An offshore account can be advantageous for those who deal in international multicurrency transactions, frequent travellers, those who live abroad and potentially tax efficient investments. Opening an offshore account should be financially advantageous to you.
Customer Service Levels
Many banks have forgotten the importance of customer service, you have become an account number to them and they have become a call centre or an automated telephone service to you. This is ok when you just need a quick account balance. However, when you want advice on how best to structure your account, how cheaply or swiftly you can send money internationally, where best to invest or how to secure an international mortgage or loan you a need a more personal and professional level of customer service. Discuss with any potential provider how you expect your relationship with then to be managed.
Henderson Morgan is a financial service provider regulated by the New Zealand government, a politically stable and safe jurisdiction and covered by the Financial Dispute Resolution up to £100,000; double that of UK Banking institutions. We provide a range of personal and corporate accounts as well as term deposits with competitive interest rates paid.

Ethical Offshore Account

Opening an offshore account has been seen as glamorous and for the super rich but not necessarily ethical. Henderson Morgan works is partnership with Mol Burak Finance.
Mol Burak works in Kyrgyzstan, a small mountainous country in Central Asia and is strongly committed to the principles of sustainable development on the base of 3 PPP concepts - People (building human capital and taking care of its customers and the society as well), Profit (to be profitable to grow further) and the Planet (taking care of the environment).When you open an offshore account with Henderson Morgan we invest £25 to enable Mol Burak to offer micro finance to small business targeted at families on low income.
Our most popular account is our Premium International Account. This account is ideal for you if you need flexible access to your money worldwide, need a multicurrency account and a high level of customer service from your personal relationship manager.

Henderson Morgan’s Premium International Account offers:


• Multicurrency banking in GBP, Euro & USD

• Free Platinum MasterCard in GBP

• 24/7 internet banking

• Priority Pass to give you free access to airport lounges worldwide*

• Your own personal relationship manager

• Preferential interest rates on Henderson Morgan term deposits

• Reduced fees on HM Wealth Management


To open an offshore account our or discuus the whole range of Henderson Morgan products and services please contact our team on 0044 203 150 0923 or email advisor@henderson-morgan.com

Open an offshore accout-but which provider

An offshore bank is simply a bank based outside of your country of residence but once you have decided to go offshore how do you decide which services and products are right for you from the daunting array available worldwide. There are three main criteria:

• Security and Stability
• Financial Advantage
• Easy Access to your money worldwide



Security & Stability-Henderson Morgan is a financial service provider regulated by the New Zealand government in a politically stable jurisdiction, where all our staff are English speaking. You can access your money 24 hours through internet banking or speak to a member of our team for 24 hours a day*

Financial Advantage-Once you open an account with Henderson Morgan you can hold your money in GBP, Euro and USD to avoid or take advantage of currency fluctuations and to ensure easy international transactions. You can also enjoy competitive interest rates with our term deposits and all our customers can take advantage of HM Wealth Management’s expertise to protect and grow your wealth.

Easy Access to your money worldwide- flexible access to your money with Henderson Morgan internet banking and a Mastercard to access your money from ATMs worldwide and shop at millions of outlets worldwide and online.

HM can help personal clients open an offshore account, invest in our competitive interest term deposits, secure an international mortgage and protect and grow your wealth with HM Wealth Management team.

HM’s business team can assist you to open a current account, invest company reserves to maximise returns, advice on reducing currency exchange costs, securing international finance and merchant services to allow your business to process debit and credit cards.

Contact our team on advisor@henderson-morgan.com or call 00 44 203 150 0923


*Premium service

Premium International Account

Henderson Morgan’s Premium International Account is a flexible international current account for your-day to-day banking needs, and a convenient, secure and tax efficient way to manage your money.
• Multicurrency banking in GBP, Euro & USD
• Account opened in New Zealand a politically stable, regulated and safe jurisdiction

• Free Platinum MasterCard in GBP

• 24/7 internet banking

• Priority Pass to give you free access to airport lounges worldwide*

• Your own personal relationship manager

• Preferential interest rates on Henderson Morgan term deposits

• Reduced fees on HM Wealth Management to take make the most of the tax advantages of banking offshore


It is simple quick and easy to open an offshore account with Henderson Morgan online.

To discuss our Premium International Account or the whole range of Henderson Morgan products and services please contact our team on 0044 203 150 0923 or email advisor@henderson-morgan.com

Premium International Account

Henderson Morgan’s Premium International Account is a flexible offshore account for your-day to-day banking needs, and a convenient, secure and tax efficient way to manage your money.
• Multicurrency banking in GBP, Euro & USD
• Account opened in New Zealand a politically stable, regulated and safe jurisdiction

• Free Platinum MasterCard in GBP

• 24/7 internet banking

• Priority Pass to give you free access to airport lounges worldwide*

• Your own personal relationship manager

• Preferential interest rates on Henderson Morgan term deposits

• Reduced fees on HM Wealth Management to take make the most of the tax advantages of banking offshore


It is simple quick and easy to open an offshore account with Henderson Morgan online.

To discuss our Premium International Account or the whole range of Henderson Morgan products and services please contact our team on 0044 203 150 0923 or email advisor@henderson-morgan.com

Benefits of Wealth Management

Wealth management is the process of managing your financial, investment, tax, legal and estate planning; it is a comprehensive process that takes care of your financial planning for the long term.

There are several advantages of wealth management: it helps reduce income tax, inheritance tax and capital gains tax. It also enables you to multiply your assets and earn higher yields. It protects your assets from liabilities, creditors, mortgages and much more.

Wealth management secures your principal assets and helps in increasing the rate of return on your assets and investments. Henderson Morgan has a team of diverse of professionals who have over 20 years of experience in Wealth Management, please consult our team for a free initial consultation advisor@henderson-morgan.com or call 0044 203 150 0923

Resolving Tax Problems

Tax investigations and conflicts with the HMRC can be a very difficult and stressful time for you and your family. Henderson Morgan works with you to resolve any tax investigation or disclosure in the most efficient, cost effective and timely manner possible to HMRC
Henderson Morgan is non judgemental and will take control of the investigation which allows you to carry on with your business and life. We pride ourselves on passionately supporting our clients.
Please contact our 24 hour phone line on 0044 203 150 0923 or contact investigation@henderson-morgan.com our initial consultation is free and confidential

How to survive a tax investigation

A tax investigation can be a very difficult time for you and your family. However, you must keep calm, don’t lie to HMRC, destroy evidence or make partial disclosures. If you are being investigated by HMRC it is vital that you seek professional advice from the beginning, someone who understands the jargon and can talk to HMRC on your behalf. Don’t discuss your tax affairs with anyone but your professional advisors and work with your advisors to be well prepared for any meetings, never assume HMRC are ignorant of anything.
Henderson Morgan is non judgemental and will take control of the investigation which allows you to carry on with your business and life. We pride ourselves on passionately supporting our clients. Please contact our 24 hour phone line on 0044 203 150 0923 or contact investigation@henderson-morgan.com our initial consultation is free and confidential.

Offshore Loans

The global economic downturn has made credit difficult to obtain.

If you have offshore assets how do you maximise these to secure short/medium term credit without divesting your wealth.

There are a wide range of options available internationally and the Wealth Management professionals at Henderson Morgan can help you secure effective and efficient credit simply.

Contact advisor@henderson-morgan.com to discuss your options further.

Ethical Hedge Fund

Hedge Funds offer an alternative approach to investments. They have been seen as a complete tool for the super rich with many people concerned that traditional funds do not offer social responsible investments.

Hedgehog Fund is different-offering a way to invest ethically.

UK Inhertiance Tax

Many people who are UK domiciled, look to lose their domiciled status given the high cost of UK inheritance tax, as this has many advantages for wealth protection. But not many people are aware that even if you lose UK domiciled status, HMRC still considers you domiciled for 3 years after you have left the UK for inheritance tax purposes.

This one simple rule on UK inheritance tax, which has tripped many individuals up, starkly highlights the need for Strategic Wealth Planning, always consult a wealth planning expert.

What is an Offshore Credit Card?

An offshore credit card, linked to an offshore account (link) works almost identically to a visa/MasterCard linked to a high street bank.

An offshore credit card is accepted in almost 14 million locations worldwide, shopping internationally on the internet and at ATM worldwide to access cash.

An offshore credit card can be either a corporate or personal credit card. A corporate offshore credit card can be used to pay for equipment, expenses and employee salaries for your offshore company. A personal offshore credit card can be used usefully used on holidays or travel abroad.

Many offshore credit cards are expensive to set up with astronomical fees, but you can have a free offshore credit card in $ or GBP with a free priority pass membership, that gives you access for 400 airport lunges worldwide when you open an offshore account with Henderson Morgan.

It is not illegal to have funds offshore depending upon the jurisdiction in which you live you may be legally obliged to declare these funds. Always consult a Wealth Management professional.

Which International Mortgage is right for you?

It can be daunting to find the ideal international finance to move abroad, buy a dream home in the sun or an investment in an up and coming region? Do you go to your local high street bank, a mortgage abroad and expat mortgage or a second mortgage. Do you chose interest only, fixed term....?

The options are endeless, ask Henderson Morgan, for free impartial advice and let us find the right international mortage for you.

Does your Business need to accept Credit Cards?

It is no secret that it is almost impossible to run a successful internet business without being able to accept payment by credit cards. The first step for your business to be able to accept credit cards is to get a Merchant Account.

Most banks and financial institutions provide merchant accounts, though they can often be very difficult to obtain depending upon your business and/or no history of processing credit cards. Many business are classified as high risk, such as gambling and adult industry but also surprisingly travel and advanced booking products, products with long term commitments such as magazines subscription services, pharmacies and online supplements and any international business.





Henderson Morgan provides a range of e-payment systems and offshore merchant accounts for our clients, many who have been unable to get merchant accounts with their our bank. Our products have low set up fees and competitive transaction rates.





Please contact our E-Payments Team to discuss your individual needs so we can create an e-commerce package that is right for your business.

Henderson Morgan

Free International Mastercard

Open an account today with Henderson Morgan and receive your free Mastercard that will allow you to access your funds worldwide 24/7 from ATMs, purchase goods and services online and shop worldwide.

Apply for your account its quick and easy.


we have a range of accounts to suit all our customers needs

UK Crackdown on Tax Havens

This week the UK tabloids and broadsheets were full of reports that George Osbourne, the Chancellor is hoping that a government crackdown on offshore tax havens will raise £10 billion in extra tax revenues.The Treasury is working on an agreement with Lichtenstein, Switzerland and an unnamed Caribbean jurisdiction.

Where does that leave those who have utilised or wanted to utilise offshore accounts, companies and advice? Advice from an international wealth managment professional is crucial.

Henderson Morgan's wealth management team has over 20 years experience and can provide cost effective advice.

Are you interested in opening an offshore account and don’t know where to start?

An offshore account is simply an account outside of the jurisdiction that your are resident, often in a low or no tax country. They traditionally been seen as something only for the super rich but now anyone can open an account.

A copy of your passport and recent utility bill is all you need, you don't even have to visit the country as most offshore accounts can be opened and run through the Internet. The best accounts provide 24 hour global access to your funds through debit and credit cards.

There are many advantages to offshore accounts,

asset protection, tax planning, estate planning, privacy and easier international trade and travel.

However, all individual circumstances are different and advice should be sort.

Henderson Morgan