Guides

Money

Opening a Bank Account in Bermuda as a New Resident
What Butterfield, HSBC Bermuda and Clarien ask for when non-Bermudians open a personal account: ID, proof of address, proof of your tie to Bermuda, deposits and tax forms.
Bermuda Payroll Tax and Pensions Explained for New Residents (2026–27)
Bermuda has no income tax, but employees pay payroll tax and pension contributions. Here are the 2026–27 payroll tax bands, a worked example, and how social insurance and occupational pensions work.
Cost of Living in Bermuda: A Sourced Monthly Budget (2026)
What it really costs to live in Bermuda in 2026: rent, groceries, utilities, phone, transport, schools and payroll tax, with every figure sourced.
Sending Money from the UK to Bermuda: Wise vs Banks Compared
How to move pounds to Bermuda cheaply: what the BMD/USD peg means, what Wise shows it charges, how bank wires compare, and how to check the real cost yourself.
UK Tax When You Move to Bermuda: The Statutory Residence Test, P85 and National Insurance
A plain-English guide for Brits leaving for Bermuda: how the Statutory Residence Test works, split-year treatment, form P85, UK income that stays taxable, and National Insurance under the UK–Bermuda agreement.

Phones, eSIMs and Internet in Bermuda: Best Options for Visitors and New Residents
Sourced 2026 prices for Bermuda tourist eSIMs, monthly mobile plans and home fibre, plus how to keep your UK number for bank codes.
Best eSIM for Bermuda (2026): Airalo vs Saily vs Holafly vs OneComm Tourist eSIM
A price-by-price comparison of Bermuda eSIMs in 2026: Airalo, Saily, Holafly and One Communications' local Tourist eSIM, with which suits short trips, heavy users and new residents.
Cars, Bikes and Mopeds: Bermuda's One-Car Rule and Getting Around
Why visitors can't rent cars in Bermuda, how the one-car-per-household rule works for residents, what minicars are, and the safety realities of scooters, buses and ferries.
Travel Insurance for Bermuda (2026): Do You Need It, and What Should It Cover?
Travel insurance isn't compulsory for Bermuda, but the NHS won't pay and visitors are charged double at the hospital. What cover to buy for a holiday, a recce trip or the move itself.

Bermuda for First-Time Visitors: A Practical Guide (Entry, Money, Getting Around, Data)
Everything practical for a first trip to Bermuda: entry rules and arrival card, flights from the UK, currency, why you can't rent a car, buses and ferries, staying connected and travel insurance.

Health Insurance in Bermuda for Expats and Residents
How Bermuda's employer health insurance law works, what Standard Health Benefit means, what remote workers on Permission to Reside need, and how to choose cover.
Health Insurance for Bermuda's Permission to Reside: What You Need and How to Choose
Permission to Reside in Bermuda requires private health insurance for your whole stay. Here's exactly what gov.bm asks for, what types of cover to consider, and how to avoid buying the wrong policy.

Bermuda Police and Medical Certificates: How to Get Them from the UK
Bermuda Immigration asks for a police certificate and a medical certificate for work permits and residence. Here's how UK applicants get an ACRO certificate, arrange a medical and avoid delays.
Remote Work in Bermuda: Permission to Reside vs Work Permit vs Visiting, Compared
Can you live in Bermuda and work remotely in 2026? A side-by-side comparison of Permission to Reside, a work permit and visitor stays: requirements, limits, costs and who each suits.
Bermuda Work Permits Explained (2026 Policy in Plain English)
Who needs a Bermuda work permit, the permit types, how the employer-led process works, English proficiency rules, and what happens if you get it wrong.
Permission to Reside in Bermuda: Requirements, the $75k Income Rule and Fees
A step-by-step guide to Bermuda's Permission to Reside on an Annual Basis: who it's for, the $75,000 income requirement, documents, fees and pitfalls.
Work From Bermuda Is Closed: What Remote Workers Can Do Now
The Work From Bermuda certificate ended on 28 February 2025. Here's what replaced it, who it suits, and the realistic options for remote workers in 2026.

Bermuda vs Cayman vs Isle of Man: Which Suits a UK Mover? (2026)
A sourced comparison for Brits: work permits, income tax, getting there and cost of living in Bermuda, the Cayman Islands and the Isle of Man.
Moving to Bermuda Checklist: A Month-by-Month Plan for UK Movers
A practical, sourced moving checklist for Bermuda: immigration paperwork, UK admin, money, housing, shipping, arrival day and your first month.
Moving to Bermuda from the UK: The Complete 2026 Guide
Everything a Brit needs to plan a move to Bermuda: work permits vs Permission to Reside, documents, UK tax and National Insurance, money, healthcare, shipping, transport and a month-by-month checklist.
Visiting Bermuda Before You Move: A Practical Recce Trip Plan
How to plan a scouting trip to Bermuda before relocating: entry rules for Brits, flights from London, getting around, what to test and who to meet.

How Much Does It Cost to Move to Bermuda from the UK? A Sourced Breakdown
The one-off costs of moving from the UK to Bermuda: documents, flights, shipping and customs duty, a rental deposit and first month's rent, temporary accommodation, a driving test, phone and more.
Shipping Your Belongings to Bermuda: Customs Duty, Relief and Movers
How to ship household goods to Bermuda: the 25% standard duty rate, the transfer-of-residence relief for used goods, the certificate you must ask for at the airport, and choosing a mover.

Renting in Bermuda: Prices, How to Find a Place, and Avoiding Scams
How newcomers find a rental in Bermuda: sourced 2026 rent levels, why to start before you arrive, what to ask landlords, what to have ready, and how to avoid deposit scams.
Where to Live in Bermuda: A Newcomer's Guide to the Parishes
Bermuda's nine parishes compared for newcomers: commute to Hamilton, ferries, lifestyle and what's nearby, from Sandys in the west to St George's in the east.

Schools in Bermuda for Expat Families: Public vs Private, Fees and Registration
How schooling works for families moving to Bermuda: public school registration rules and deadlines, private school fees for 2026–27, preschool, and what to ask before you move.

Best Time to Visit Bermuda (and Hurricane Season Explained)
When to visit Bermuda for beaches, quieter prices or a house-hunting trip, and what hurricane season (1 June to 30 November) means for flights and insurance.
Cheap Flights from London to Bermuda (2026): Direct BA vs Connecting via the US
BA flies non-stop from Heathrow to Bermuda daily in summer. How the direct flight compares with connecting through New York, Boston or Atlanta, when fares tend to be cheapest, and what UK travellers need for a US connection.