The study surveyed 2,155 expats in 48 countries, spanning four continents, between February and April 2008. Respondents rated their country in four categories: ability to befriend locals, number that joined a community group, number that learned the language and percentage that bought property.

“We conducted this survey to better understand expatriate needs and get insight into the emotions of expats. The banking business is all about trust, especially with the recent credit crisis,” says Martin Spurling, CEO of HSBC Bank International and Head of HSBC Global Offshore. “We want them to build a relationship with their wealth manager regardless of where they travel.”

For Americans, traveling abroad to start over is becoming increasingly common. America used to have it all: good jobs, booming economy, skyrocketing stock market and plentiful housing. What a difference a year can make. The boom has gone bust and people are now heading for the exits en masse — with an eye abroad.

It’s no wonder they likely find Canada so welcoming. It has an accessible language, diverse culture and low levels of government corruption, says Patricia Linderman, editor of Tales from a Small Planet, an online newsletter for expats.

In Germany, 92 percent were so lucky and in Australia 91 percent befriended those living there. The United Arab Emirates was found to be the most difficult for expats; only 54 percent of those surveyed said they’d made friends with locals. The U.S. ranks sixth among the 14 nations surveyed.

China, India and United Arab Emirates scored low overall because cultural differences from the West made integration difficult.