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This includes both current employees and others such as retirees who still receive regular pension payments through your company's payroll.

If you have multiple subsidiaries, your staging date may vary according to whether employee contracts are held at a group or individual subsidiary level.

At a group level, your company is likely to have a single staging date.

However, if employee contracts are held with each individual subsidiary, each subsidiary will have its own staging date which reflects the size of its own payroll arrangements.

The Hargreaves Lansdown Currency Service is a trading name of Hargreaves Lansdown Asset Management Ltd, which is a wholly owned subsidiary of Hargreaves Lansdown Plc, One College Square South, Anchor Road, Bristol, BS1 5HL.

You can manage many aspects of your accounts online without needing to fill in forms.

In some instances an 8-digit code will be provided by the bank but only the first 6 digits will be required for the payment instruction.

Payments made to banks in foreign countries may be subject to a receiving charge once the funds arrive with the destination bank, or if they're routed through an intermediary bank.

An IBAN makes it possible to identify an account held at a bank anywhere in the world.

Simply click on the name of the account you would like to make changes to and then the name of the action you wish to carry out.

If you're not yet registered, you can register to view your accounts online. Before you apply please ensure you have your National Insurance number to hand.

The Pensions Regulator will give you twelve months' notice of your staging date but you should prepare for auto-enrolment well ahead of this.

You should receive a further reminder three months before your staging date.

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