Tips for London

Like any city, London has got its issues with crime. Council housing, which houses families that are in need of financial assistance, are often accused of being crime hotbed. In a bid to avoid creating a gangland area, the Government has seek to distribute council housing all over London. As a result of which, there's always a low level of anti-social behaviour throughout the city. Only the very upclass area are being spared.


Police

You wouldn't find police at every junction like New York. However, there's a much higher police presence over here as compared to Singapore. Also, unlike Singapore's police, UK police patrol the streets without a gun but always with a bulletproof vest. It's curious though... they don't shoot but they expect themselves to be shot at. Whereas back home, the police shoots but don't expect themselves to be shoot at.

Anyway, the rationale of not carrying a gun is simple: criminals should not see the point of carrying a gun if the police aren't carrying any. No firearms involve in arrests, no one gets hurt. But then again, criminals would want an upper hand, wouldn't they?

There is however, a police firearms unit, specially trained to handle guns. They will be mobilized if the need arises.

In order to boost the police ranks with a reducing budget, more Police Community Support Officer (PCSO) are recruited. It takes a fraction of the time to train a police officer to do the same for a PCSO. Their effectiveness, however, remains to be seen. They can be differentiated by the different wordings on their police vests.

Once you set foot into Central London, you might be surprised (shocked rather) at the high frequency of police sirens. It's not uncommon to encounter at least twice on a daily basis. After a while, it becomes part of the background noise and I assure you that you wouldn't even look up when a police siren sounds.

One thing to note, however, is that chases involving police patrol cars happens quite frequently as well. The police will not hesitate to overtake any vehicles or even drive on the opposite side of the road when sounding the siren. So... do check out traffic from both directions before crossing a road should you hear a police siren. There had been complaints by the public with regards to the issue of dangerous driving by the police. But so far, situation is not getting any better.


On the Streets

Generally speaking, London is a safe city... unless you do something stupid. Singaporeans, naive as we are, have a tendency to do just that. The following is just some things.

1) Wondering into dark streets in the middle of the night is a big no. Not in the day as well. Just do not walk into dark and narrow streets alone, ever.

2) No waving of large wads of cash around. I know that the colours and denominations may seem foreign to you but hey, that's not an excuse! You never know who might just be looking.

3) Don't be tempted by 'cheap' deals. Especially from unauthorised outlets or worse still, just from a person on the street. That's our greatest weakness. If it seems like too good a deal, it probably is.

4) Don't get into a staring incident. There are some incidents back home when gang members are beaten to death outside pubs. Over in London, we're talking about ordinary people hurt by knives and guns. Although still low by European standards, death by guns is on the rise here.


Residential

A 'good' residential area is often safer. If you can see police patrolling in pairs, it's good news. If police patrols consist of 4 men team, chances are that you wouldn't want to be where the police don't feel safe in pairs.

I've heard of houses being broken into because a laptop is in plain sight. So please draw the curtains when you're out and keep valuables out of sight if you're residing on ground floor or basement.

You may consider getting some form of possession insurance if you need that extra bit of assurance.

Bank Account

The process of opening a UK bank account is comparatively tedious as compared to back home mainly it's because we're non British and I suspect the same thing happen to foreigners in Singapore as well.

Do you need a UK bank account? Absolutely. It's where your salary will go into and where your rent will be deducted from. Without a bank account, you'll need to travel around with a thick wad of cash or rely on your Singapore credit card, which is hardly wise. Please make sure that you have a functioning UK account before you leave Singapore. To find out how, read on.

There's a huge number of banks here. Essentially they are divided into two main categories: High Street Banks, non High Street Banks.

High street banks refer to those big commercial names, HSBC, RBS, Natwest, Nationawide, Barclays, Abbey National etc. These banks offer easy access to your money via ATMs (known as cash machines) and have branches all over. They're like our POSB and DBS back home.

Non high street banks are essentially the Building Cooperations. They're like private banks that help you hold on to your money. These Building Cooperations offers only limited services. With no ATMs and branches far and few, your money is safe... from you. However, the upside is that these Cooperations offer a much higher interest rates as compared to High Street banks.

If you're a newcomer and need the liquidity, I would suggest an account in a High Street bank.


Which Bank?

HSBC is by far the one with the most extensive network in London. Don't be deceived by its name, it is a British bank. They even have a branch "Hui Feng Ying Hang" right smacked in the middle of Chinatown. With presence in Singapore, it's a great choice for any Singaporeans relocating to London.

Now, please do not assume that if you're already a HSBC account holder in Singapore, it'll be easy to open up an UK HSBC account when you're in London. It's pertinent that the UK account should be set up while you're in Singapore.

If you've not already, please open up a HSBC Singapore account. Through that, you can request to open up a UK account. If you're told that you can only open up a UK account when you're London, please refer to HSBC's "International Service Centre". I understand that the Tanglin branch (Claymore Plaza) deals with this. Unless you're a high worth individual and has a HSBC Premier account, the process will be rather tedious. So you should start the process a month before you leave.

Once the UK account is set up, it'll be dormant unless you inject cash into the account. That, you can do when you reach London. There's no minimum amount that you can have in your UK account and there's no fees chargeable as well. It's like Singapore back then.

There is a flat 10 pounds transfer fee if you need to transfer from your UK HSBC account to Singapore HSBC account. There's also a small fee of S$5 to transfer from Singapore HSBC account to any Singapore bank account.

Finally, UK bank account allows an overdraft for current account; you can draw more money than you have from your account (up to a limit) and a charge of 25 pounds will be imposed everytime there's a withdrawal when the account is in deficit; unlike Singapore, there's is no link between the current account and the savings account.


ATMs

ATMs here are known as "cash machines". All cash machines accept cards from all the all high street banks. It's like OCBC atms accepting UOB's cards. Cash machines generally do not charge a withdrawal fee with the exception of some which will charge between one to two pounds per withdrawal. So make sure the one that you're using does not charge you.

Unlike Singapore's 6 digit pin, UK's cards use a 4 digit pin. So it's easier to remember and of course easily replicated as well. Guard it with care.


Direct Debit

Direct debit is the UK's version of GIRO. It's rather tempting sometimes to go for it as the incentives look attractive. Well, if you can afford, my advice is not to go for it. It's not worth the trouble when you need to cancel it. BBC recently ran a report on the issue and found that banks generally feels that they owe an obligation to companies rather than their customers; meaning that the money tend to be released to the companies when disputes arises.


Credit Cards

Singaporeans accustomed to chalking up credit card points will be sorely disappointed. There's absolutely no incentive for you to use your UK credit card here. British generally do not need to be encouraged to use their credit cards, the only incentive is the lower 'roll over' interests that certain cards offer.

If you're a prudent person and pay your credit card bill in full every month, it doesn't make a difference to you. Almost all establishments here require a 4-digit pin when you're using your credit card. No signature is required. It's safer in a way as it discourages forgery.

If you insist on using your Singapore credit card (for one reason or another), you'll need to prove your identity with your passport. You'll be allowed to sign it off thereafter.

Like the bank account, a UK credit card allows you to charge beyond your limit. However, to prevent incurring interest, do pay your credit card bill asap.

One point to note is that it's more affordable to use your Singaporean credit card when you're touring Europe or States as UK banks charges a premium on overseas usage, sometimes as high as 10%.

This is the link to Singapore's Embassy in London.

You may find it useful to know at least where it is though I think you'll find it rather unnecessary unless you're having some problems with your travelling documents (i.e. passport).

The Commission's homepage gave me the impression that it's more for British going over to Singapore. However, there's a link to Singapore's Association in the UK, which offers paid membership (20 quid). Its membership card entitles you to discount to a variety of shops. Also, SUKA organizes some events, which of course, must be paid for as well.

The High Commission sometimes holds some networking gatherings for professionals.

Well, that's it.

Visa

Owing to the great relationship between UK and Singapore, we don't usually face any problems entering UK.

If you're coming over for a visit (less than 3 months), there's no need for you to apply for a visa. For more information, do refer to the links below.

Do I need a visa?

How do I go about applying for it?

What are the fees applicable?

Although it's stated that the process takes 5 working days, it's normally sooner. The British High Commission staff are rather efficient on that. It'll help greatly if you have a UK address handy in the application.


Medical Examination

There's one more thing. Due to the unfortunate outbreak of disease (bird flu, SARS) at our region, there's a need for all Singaporeans staying beyond 6 months to go for a medical examination. That will take place when you touch down at Heathrow Airport but before you cross the customs. If you fail it, you don't go into UK, simple as that.

Now, you can certainly get an X-ray and medical checkup done at your local GPs. But I would suggest that you do not do that. Just join the queue and do your medical examination at the airport clinic. Firstly, it's free. Secondly, your GP's certification may not be recognized anyway. If the queue is short, you're in luck as the actual process is rather short.


Customs

By the time (up to two hours) you approach the customs official, you'll be severely dehydrated and irritated. Please, for the love of god, please put on a smile. If you irritate the customs official, which you don't want to, he/she can make your life miserable. Remember, you're on UK soil now and your Singapore passport will not bring you immunity.


Luggage

Unfortunately, there's a history of lost luggage in recent years. There's really nothing very much that you can do to prevent that. But in order to minimise the inconvenience caused, I would suggest that you pack a day's clothes and carry all valuables (currencies, jewelleries and that yes, all your gold bars as well) in your hand carry. It'll help greatly if you attach your contact information on the outside of your lugguage. Having them inside won't help. If you do not have a UK contact number, please add a +65 in front of your Singapore's mobile number and make sure that you have that mobile with you.


Airport Transfers

There're 4 terminals in all at Heathrow Airport. If you're taking Singapore Airlines, you'll be touching down at Terminal 3. If you're taking British Airways, you'll likely to be at Terminal 1 or 4.

There're a number of ways to get to London Central from Heathrow. You can take a London black cab, National Express bus or London Underground (Tube).

But I would suggest none of those. They're either too expensive or take too long.

If you're laden with many pieces of luggage, which most of us will be, please book a cab. I've tried Addison Lee. They're pretty reliable. You can try calling them at +44 020 7387 8888 while you're queuing up at the customs. Give them your name and there'll be a chap holding a cardboard with your name on it at the departure hall.

Please confirm the fee beforehand with the phone operator. It'll be be around 40 plus pounds. If you can't hear what the operator is saying (due to bad reception or difference in accent), please clarify. Don't assume.

If you're travelling light, I would suggest going into London via Heathrow Express. The trip takes only 15min and leaves at 15min interval.It's almost like a Shinkansen and it's more comfortable. Tickets can be obtained at the boarding point. Just ask around for directions. Please do not take Heathrow Connect as it will stop at a couple of stops in between. A one way ticket to Paddington Train Station (in Central London) will cost 14.50 pounds. From there, you can just hope onto the London Underground to get to a Tube station nearer to your destination.


A few words of comfort

Now, facing the much stronger British Pound, which is worth around thrice the Singapore Dollar, the transport costs sounds terrifying. It is. UK's transport is one of the most expensive in the world. You will soon miss the MRT and cabs (even with the recent price hikes) back home.

Welcome to London!