Reasoning-aware · 8 languages · any-to-any

Wherever in the world.
We move with you.

The international move app that asks why you're moving. Work, study, family, retirement, business — we line up tax, healthcare and money tasks for your situation first. Both sides of the border, drafted in your language.

Free preview · no card Origin + destination, both drafted 8 languages · RTL Arabic
🇬🇧EN 🇪🇸ES 🇮🇳HI 🇸🇦AR 🇫🇷FR 🇨🇳ZH 🇵🇹PT 🇷🇺RU
Live · reasoning preview step 1 of 3 · pick your reason

Why are you moving?

Your plan would prioritise
SetTern.io in action

Capabilities walkthrough

See how the product handles your move end-to-end — plan, drafts and supervised steps.

Watch on YouTube →

International relocation

Pitfalls & real-world challenges

What actually trips people up across borders — timing, paperwork, money and health systems — and why a reason-aware plan matters.

Watch on YouTube →

8 reasons · 8 plans

One journey. Eight shapes.

Generic relocation tools give a 22-year-old arriving for a Master's the same journey as a 45-year-old transferring offices and a 65-year-old retiring abroad. SetTern.io asks why — and rewrites the journey around your answer.

Work
New job · transfer
  • Work authorisation & deadlines · biometrics on time
  • NIN / SSN / NIF issuance, payroll-ready
  • Tax-residency form (HMRC P85, IRS, etc.)
  • Salary-suitable bank account
  • Professional licensing (CPA, RIBA, GMC…)
Study
University · college
  • Study permits & enrolment · university paperwork
  • University enrolment + proof of address
  • International student bank account
  • Tax exemption (full-time students)
  • Transcript apostille (ENIC-NARIC)
Family
With children
  • Dependants' steps, ordered correctly
  • School enrolment + transcript apostille
  • Paediatric healthcare registration
  • Child benefits / family allowance
  • Family-friendly bank account
Relationship
Joining a partner
  • Partner route paperwork
  • Joint tenancy + proof of address
  • Joint or single bank account
  • Healthcare as a dependant
  • Relationship-evidence filings
Retirement
Lifestyle move
  • Pension portability (state + private)
  • Reciprocal healthcare (S1, M1)
  • Long-stay residence registration (local rules)
  • Double-tax treaty filing
  • Property sale + purchase coordination
Business
Founder · self-employed
  • Founder & business setup · right to operate
  • Company registration + commercial registry
  • VAT / GST / sales-tax registration
  • Business banking + commercial insurance
  • Owner tax-residency setup
Housing only
Same job · same school
  • Lease completion + deposit transfer
  • Utilities handover
  • Council / property tax address update
  • ID + driving licence address change
  • Mail redirection (12 months)
Other / mixed
Unspecified
  • Universal mandatory journey
  • Default ordering by risk score
  • Agent asks 1-2 follow-up questions
  • Re-personalises on the fly
  • Always honours statutory deadlines first
Both sides of the border

Origin close-out.
Destination set-up.
One agent. Two journeys.

Closing your old country is as much work as opening the new one. Most tools only cover arrival — we draft both sides, using the names institutions actually use.

Origin · Mumbai
Close-out
  • P85 Final UK / India tax-residency form
  • Form 10F India tax-residency certificate
  • Aadhaar Address change to update PAN linking
  • EPFO Provident Fund withdrawal request
  • Bank Mumbai account NRO conversion
  • Mobile Final bill + handover
  • Schools Transcript apostille for kids
Both sides
of the move
Destination · London
Set-up
  • BRP Biometric residency permit collection
  • NIN National Insurance Number request
  • HMRC New tax-residency registration
  • NHS GP Primary care registration
  • Bank UK current account · salary-ready
  • Council Tax Tower Hamlets registration
  • Schools LA admissions + GP letter
How it works

Four screens. Then a runway.

In a few minutes you get a personalised, bilingual plan. Then you tap through each step when you're ready — always in control.

1

Tell us why

Pick from work / study / family / relationship / retirement / business / housing-only. The plan reshapes around your reason.

2

Origin + destination

Two addresses, one move date. Or grant Gmail and we extract them. Geocoder-verified — no hallucinated cities.

3

Free 10-row preview

See the top 10 reason-relevant rows before you pay. £29 unlocks the full Smart plan (70 services).

4

Per-step execution

Tap any row. The agent prepares the form in your language. You review, you approve, you submit. Always.

Honest, proportional

Pay for the shape of your move.

Smart £29 suits most international moves (one reason, one corridor). Monthly plans suit a longer active move. Complete is when several big life reasons overlap at once.

Essential · UK only
Single-country move
£19
paid once
  • UK ↔ UK only · 22 services
  • Council Tax, NHS GP, DVLA, HMRC
  • Supervision mode included
  • 30-day entitlement window
UK · local landing →
Complete · multi-axis
Family + business + work
£49
paid once · or £24/mo
  • Up to 120 services
  • Multiple reasons combined
  • Opus-tier agent · concierge speed
  • Pet · school · approval lanes per dependant
  • Priority response <1h
Start Complete →

All plans · your activity stays visible in the app · sub-processors listed on our security page

Country corridors

We've moved this route before.

Each route is a tested, reason-aware path through both countries. Tap one to pre-fill your plan with the right tax, healthcare and banking rows for that pair.

🇮🇳 Mumbai → 🇬🇧 London
Skilled-worker work transfer
P85 · BRP · NIN · HMRC · UK current account · Council Tax
🇳🇬 Lagos → 🇬🇧 London
Family relocation, dependents
Schools · NHS GP · BRP collection · settling in
🇬🇧 UK → 🇪🇸 Spain
Retirement · Spain
NIE · Padrón · S1 healthcare · pension portability · NLV
🇬🇧 UK → 🇵🇹 Portugal
Retirement · Portugal
NIF · healthcare · local tax · property basics
🇧🇷 São Paulo → 🇵🇹 Lisbon
Student · masters programme
NIF · university · enrolment · transcript apostille
🇲🇽 Mexico City → 🇺🇸 Austin
Founder · US expansion
LLC · ITIN · business banking · local registrations
🇩🇪 Berlin → 🇳🇱 Amsterdam
Intra-EU work + family
EU-blue-card transfer · BSN · school enrolment · 30%-ruling
🇨🇦 Toronto → 🇵🇹 Lisbon
Retirement · CPP portability
CPP portability · D7 · NIF · NHR tax · property purchase
The boring bit that matters

Privacy & security, plain and simple.

UK GDPR aligned
Download or delete your data from your account when you need to.
Sub-processors disclosed
We name our partners and what they do for you.
Encrypted storage
Strong encryption in transit and at rest.
Optional Gmail
Read-only scan if you want it — or type addresses yourself.
Honest answers

No spin.

What does “reasoning-aware” actually do?

You tell us why you're moving (work, study, family, and so on). We reshuffle your journey so the tasks that match your situation rise to the top. Nothing disappears — the rest simply sits lower on the list until you need it.

Why not just use ChatGPT?

A chat can answer one question at a time. SetTern builds a tailored journey for your reason and corridor, keeps your progress in one place, and layers in tips and next steps as you go — so you're not re-explaining your move every session.

Do you support manual entry — no Gmail required?

Yes. Many people type two addresses, a move date and their reason — no inbox access required.

Are obligation names translated, or kept in their original form?

Names like NIE, Padrón, Anmeldung, NIN or BRP stay as the destination expects — even when the rest of the app is in another language — so forms and drafts match what officials see.

Is my data safe? What about privacy?

We protect your information with encryption and partners we vet carefully. We don't sell your data. For a short, plain-language overview — including who helps us run the service — see Security and Privacy.

Free 10-row preview · no card

Wherever in the world.
£29 once.

Pick your reason and corridor. Get a clear, bilingual plan in minutes — with drafts for each step in your language.

Start · £29
Free preview · you approve each step · 8 languages