Retail level international banking services can benefit many people who either live, travel or do business abroad. People, who like to travel abroad, will enjoy the convenient access to services at standard fees, wherever in the world they are. Accessing the services of your domestic bank can likely be done from anywhere, but as these banks are not designed for international customers, service charges are usually expensive and transaction delays can be very inconvenient. International baking services are designed for customers from the four corners of the globe, and standard transaction fees will apply, regardless of from where you access your account. Additionally, these international banking services will be more convenient, as there should be no delays or difficulties in international banking service access.

These international banking services are particularly useful to those people who do business overseas and across international borders. It can be difficult to arrange banking backed business deals in a foreign company, through a bank that others may not be familiar using. Some countries will have reservations about dealing with banks from areas of political or economic instability. An international bank will be recognized as a valid financial institution anywhere in the world, and people appreciate that these international banking services are immune to local instability. Letters of credit and financing of international business project will be facilitated through the use of international banking services.

The perception of international banking services is that they are applicable only towards the very wealthy, but people in all financial situations will likely find international banking services beneficial to today's more globally oriented business activities and lifestyle.