{ "$schema": "https://www.momofinance.co.uk/schemas/eligibility.schema.json", "name": "UK account eligibility for US persons", "description": "Which UK providers open an account for a US citizen resident in the UK, verdict by verdict, with the evidence behind each one. Verified rows only.", "publisher": "momo", "documentation": "https://www.momofinance.co.uk/methodology/", "terms": "https://www.momofinance.co.uk/terms/", "corridor": "us-citizens-in-the-uk", "version": "2.17.0-moneyfarm-cash-isa-lloyds-jisa-2026-08-24-reverify-2026-08-31", "dateModified": "2026-08-31", "verdicts": { "opens": "The provider opens this account for a US person.", "with-strings": "The provider opens it, but a US person faces an extra condition; see usCondition.", "skip": "The provider declines US persons for this account type." }, "count": 350, "claims": [ { "id": "us-person:cash-isa:atom-bank", "accountType": "cash-isa", "provider": "Atom Bank", "providerUrl": "https://www.atombank.co.uk/savings/isa/easy-access-cash-isa/", "verdict": "opens", "note": "Atom's cash ISA terms require you to be 18 or over and a UK resident for tax purposes, or a Crown servant serving overseas. There is no US-person exclusion, only the standard question about reporting to tax authorities elsewhere. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Atom cash ISA terms, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:barclays", "accountType": "cash-isa", "provider": "Barclays", "providerUrl": "https://www.barclays.co.uk/savings/isas/", "verdict": "opens", "note": "Barclays asks only that you are 18 or over and resident in the UK for tax purposes, which is the statutory ISA test. Nothing in its cash ISA terms limits you to UK-only tax residency or excludes US persons. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Barclays cash ISAs, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:charter-savings", "accountType": "cash-isa", "provider": "Charter Savings Bank", "providerUrl": "https://www.chartersavingsbank.co.uk/products/isas", "verdict": "opens", "note": "Charter's ISA booklet sets the bar at any UK resident aged 18 or over, with no sole-tax-residency test. Its own FATCA form asks whether you are a US citizen and collects your citizenship, tax residency and taxpayer identification number, so a US person is handled rather than refused. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Charter Savings Bank ISA booklet and FATCA form, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:chip", "accountType": "cash-isa", "provider": "Chip", "providerUrl": "https://www.getchip.uk/savings-accounts/cash-isa", "verdict": "skip", "note": "Chip requires you to pay tax only in the UK, so it will not open its cash ISA for a US person. The wrapper gives a US person no relief anyway, since the IRS taxes the interest as ordinary income.", "confidence": "high", "source": "Chip Financial / ClearBank Cash ISA Key Features, 2024-04-05", "lastChecked": "2026-08-09" }, { "id": "us-person:cash-isa:close-brothers-savings", "accountType": "cash-isa", "provider": "Close Brothers Savings", "providerUrl": "https://www.closesavings.co.uk/personal/savings-accounts/fixed-rate-cash-isa", "verdict": "opens", "note": "The cash ISA is open to anyone 18 or over who is a UK tax resident, with no exclusive-residency wording and no US-person clause. Close Brothers offers fixed rate cash ISAs only, in sole names, with a £10,000 minimum. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Close Brothers fixed rate cash ISA, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:cash-isa:coventry-building-society", "accountType": "cash-isa", "provider": "Coventry Building Society", "providerUrl": "https://www.coventrybuildingsociety.co.uk/member/savings/cash-isas.html", "verdict": "opens", "note": "The cash ISA declaration repeats the HMRC test on UK tax residency and the Crown employee exception, with nothing about sole residency or US persons; you must be 18 or over and give a National Insurance number. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Coventry cash ISA declaration, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:cynergy-bank", "accountType": "cash-isa", "provider": "Cynergy Bank", "providerUrl": "https://www.cynergybank.co.uk/personal/fixed-variable-cash-isa", "verdict": "opens", "note": "Cynergy asks only that you are 18 or over and a UK resident for tax purposes, and its cash ISA terms repeat that with no requirement to be tax resident solely in the UK. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Cynergy Bank cash ISA terms, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:ford-money", "accountType": "cash-isa", "provider": "Ford Money", "providerUrl": "https://www.fordmoney.co.uk/all-products/flexible-cash-isa/", "verdict": "opens", "note": "Ford Money opens a cash ISA to anyone 18 or over who is a UK resident taxpayer with a National Insurance number, with no sole-tax-residency test and no US-person exclusion. Its terms documents were not reachable directly, so this rests on its own FAQ and summary boxes. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "medium", "source": "Ford Money cash ISA pages, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:cash-isa:halifax", "accountType": "cash-isa", "provider": "Halifax", "providerUrl": "https://www.halifax.co.uk/isas/cash-isas.html", "verdict": "opens", "note": "Halifax asks that you are 18 or over, resident in the UK for tax purposes and have a National Insurance number. Its conditions repeat the statutory test and add only the Crown employee extension. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Halifax cash ISAs, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:hsbc", "accountType": "cash-isa", "provider": "HSBC", "providerUrl": "https://www.hsbc.co.uk/savings/products/cash-isa/", "verdict": "opens", "note": "HSBC states the statutory test word for word: resident in the UK for tax purposes, or a Crown servant serving overseas. Its phone-only route exists for people with no National Insurance number or UK address, which is not a US-specific step. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "HSBC cash ISA, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:cash-isa:kent-reliance", "accountType": "cash-isa", "provider": "Kent Reliance", "providerUrl": "https://www.kentreliance.co.uk/products/isas", "verdict": "opens", "note": "The cash ISA declaration uses standard HMRC wording on UK tax residency and adds no sole-residency test or US-person bar. Online ISA applications are currently paused, so these are branch only for now. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Kent Reliance ISA declaration, 2026-08-17", "lastChecked": "2026-08-09" }, { "id": "us-person:cash-isa:leeds-building-society", "accountType": "cash-isa", "provider": "Leeds Building Society", "providerUrl": "https://www.leedsbuildingsociety.co.uk/savings/cash-isas/", "verdict": "opens", "note": "Eligibility on every cash ISA reads that you must be 18 or over and a UK resident for tax purposes, or a Crown employee serving overseas or their spouse. No sole-residency test and no US-person bar. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Leeds Building Society cash ISAs, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:lloyds-bank", "accountType": "cash-isa", "provider": "Lloyds Bank", "providerUrl": "https://www.lloydsbank.com/isas/cash-isas.html", "verdict": "opens", "note": "The cash ISA test is being 18 or over, resident in the UK for tax purposes and holding a National Insurance number, with only the Crown employee extension added. There is no requirement to be tax resident nowhere else. The IRS still taxes the interest as US income, as the wrapper gives no US relief. One caution before you rely on the terms alone: Lloyds published Junior Cash ISA conditions carry no US test either, yet a parent applying for a US citizen child has been refused, which reads as a screen applied at the counter rather than in the contract. Ask before you count on a yes.", "confidence": "medium", "source": "Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24", "lastChecked": "2026-08-24" }, { "id": "us-person:cash-isa:marcus", "accountType": "cash-isa", "provider": "Marcus by Goldman Sachs", "providerUrl": "https://www.marcus.co.uk/uk/en/savings/cash-isa", "verdict": "skip", "note": "Marcus screens out anyone with US tax links, so it will not open a cash ISA for a US person. The IRS would tax the interest as US income regardless.", "confidence": "high", "source": "MoneySavingExpert forum, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:cash-isa:metro-bank", "accountType": "cash-isa", "provider": "Metro Bank", "providerUrl": "https://www.metrobankonline.co.uk/savings/products/instant-access-cash-isa/", "verdict": "opens", "note": "Metro Bank's cash ISA conditions are being 18 or over with a National Insurance number and UK residence, plus a visa or residence permit if you are not a UK, EU, EEA or Swiss national. The ISA terms carry no US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Metro Bank cash ISA terms, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:moneybox", "accountType": "cash-isa", "provider": "Moneybox", "providerUrl": "https://www.moneyboxapp.com/cash-isa", "verdict": "skip", "note": "Moneybox states applicants must not be a US person, so it will not open its cash ISA for a US citizen or dual citizen. The IRS does not recognise the wrapper, taxing the interest as US income.", "confidence": "high", "source": "Moneybox Support, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:cash-isa:moneyfarm", "accountType": "cash-isa", "provider": "Moneyfarm", "providerUrl": "https://www.moneyfarm.com/uk/cash-isa/", "verdict": "skip", "note": "Shut for two reasons, and the second one outlives the first. Moneyfarm decided not to accept further US persons as customers and names the FATCA reporting burden as the reason, counting citizens, green card holders, people born in the States and dual nationals. Separately, this is not a deposit account: the money sits in qualifying money market funds, so even if the door opened it would be a fund holding and a PFIC on your US return, which is the opposite of what a cash ISA is for.", "confidence": "high", "source": "Moneyfarm FAQ, 'I am a US Citizen, can I invest with Moneyfarm?', 2026-08-24", "sourceUrl": "https://www.moneyfarm.com/uk/contact-us/", "lastChecked": "2026-08-24" }, { "id": "us-person:cash-isa:monzo", "accountType": "cash-isa", "provider": "Monzo", "providerUrl": "https://monzo.com/savings-isas/cash-isas", "verdict": "opens", "note": "Monzo sets the cash ISA test at UK resident, 18 or over, with a Monzo current account, and its cash ISA pages carry no US-person exclusion. The full ISA terms live in the app rather than on the website, so the declaration wording could not be read in full. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "medium", "source": "Monzo cash ISA pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:nationwide", "accountType": "cash-isa", "provider": "Nationwide", "providerUrl": "https://www.nationwide.co.uk/savings/cash-isas", "verdict": "opens", "note": "The ISA declaration uses the plain HMRC test of being resident in the UK for tax purposes, with the usual Crown employee exception. There is no sole-tax-residency wording and no US-person exclusion in the declaration or the cash ISA terms. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Nationwide ISA declaration, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:natwest", "accountType": "cash-isa", "provider": "NatWest", "providerUrl": "https://www.natwest.com/savings/isa-overview/cash-isa.html", "verdict": "opens", "note": "The cash ISA information sheet asks that you are 18 or over and resident in the UK for tax purposes, with the standard Crown employee extension. The Cash ISA also needs a NatWest current account, which applies to everyone rather than to US citizens specifically. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "NatWest cash ISA information sheet, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:cash-isa:nottingham-building-society", "accountType": "cash-isa", "provider": "Nottingham Building Society", "providerUrl": "https://www.thenottingham.com/savings/cash-isas", "verdict": "opens", "note": "The cash ISA rules state you must be a UK resident for tax purposes, with Crown employees and spouses also qualifying, and there is no sole-residency wording or US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Nottingham Building Society cash ISA rules, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:paragon", "accountType": "cash-isa", "provider": "Paragon Bank", "providerUrl": "https://www.paragonbank.co.uk/savings/cash-isas", "verdict": "opens", "note": "Paragon asks only that you are 18 or over and a UK resident for tax purposes, with no requirement to be tax resident nowhere else. Its general terms go further than most and expressly contemplate US persons, who confirm that status on the application form. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Paragon Bank cash ISAs and general terms, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:post-office-money", "accountType": "cash-isa", "provider": "Post Office Money", "providerUrl": "https://www.postoffice.co.uk/savings-accounts/online-isa", "verdict": "opens", "note": "Eligibility is being 18 or over, a UK resident and resident in the UK for tax purposes, excluding the Channel Islands and Isle of Man. The key information pack repeats the standard HMRC test with no sole-residency wording. Note the FSCS limit is shared with Bank of Ireland UK. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Post Office online ISA, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:principality-building-society", "accountType": "cash-isa", "provider": "Principality Building Society", "providerUrl": "https://www.principality.co.uk/home/savings/cash-isas", "verdict": "opens", "note": "The savings terms ask that you are a UK resident with your permanent home in the UK, which is a home test rather than a sole-tax-residency test, so it does not exclude a US citizen living here. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Principality savings terms and cash ISA pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:santander-uk", "accountType": "cash-isa", "provider": "Santander UK", "providerUrl": "https://www.santander.co.uk/personal/savings-and-investments/isas/easy-access-isa", "verdict": "opens", "note": "Santander asks that you are 18 or over and a UK resident, with the account in your sole name because joint ISAs are not allowed. The key facts carry no sole-tax-residency clause and no US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Santander ISA key facts, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:shawbrook", "accountType": "cash-isa", "provider": "Shawbrook Bank", "providerUrl": "https://www.shawbrook.co.uk/savings/cash-isas/", "verdict": "skip", "note": "Shawbrook's ISA eligibility requires you to be liable to pay tax only in the UK, which excludes a US person with US tax obligations. The wrapper would give no US relief in any case.", "confidence": "medium", "source": "Shawbrook Bank, All about ISAs, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:cash-isa:skipton-building-society", "accountType": "cash-isa", "provider": "Skipton Building Society", "providerUrl": "https://www.skipton.co.uk/savings/isas", "verdict": "opens", "note": "The ISA declaration is standard HMRC wording on UK tax residency with the usual Crown employee carve-out, and carries no sole-residency or US-person clause; you need to be 18 or over with a National Insurance number. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Skipton ISA declaration, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:starling-bank", "accountType": "cash-isa", "provider": "Starling Bank", "providerUrl": "https://www.starlingbank.com/savings/cash-isa/", "verdict": "opens", "note": "Starling's cash ISA terms ask that you are 18 or over, resident in the UK with the right to reside, hold a National Insurance number and an open Starling account. The terms contain no US-person bar and no sole-tax-residency requirement. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Starling cash ISA terms, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:tandem-bank", "accountType": "cash-isa", "provider": "Tandem Bank", "providerUrl": "https://www.tandem.co.uk/save/instant-access-cash-isa", "verdict": "opens", "note": "Tandem's cash ISA terms require you to be 18 or over, a UK resident including for tax purposes, with a National Insurance number and a UK current account. Nothing bars US persons. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Tandem cash ISA terms, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:tesco-bank", "accountType": "cash-isa", "provider": "Tesco Bank", "providerUrl": "https://www.tescobank.com/savings/isa-accounts/", "verdict": "opens", "note": "The cash ISA terms ask that you are 18 or over and resident in the UK, with no requirement to be tax resident only here and no US-person exclusion, though you do need a UK current account. Note the FSCS limit is shared with Barclays, so money at both is covered once. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Tesco Bank cash ISAs, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:the-co-operative-bank", "accountType": "cash-isa", "provider": "The Co-operative Bank", "providerUrl": "https://www.co-operativebank.co.uk/products/savings/isas/", "verdict": "opens", "note": "The cash ISA key features set the test at UK resident aged 18 or over, in a sole name only, and note that past bankruptcy is no barrier. Neither the key features nor the ISA declaration mentions US persons or tax residency elsewhere. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "The Co-operative Bank cash ISA key features, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:trading-212", "accountType": "cash-isa", "provider": "Trading 212", "providerUrl": "https://www.trading212.com/", "verdict": "skip", "note": "Trading 212 opens no accounts for US persons, so its cash ISA is closed to you unless you can show you have renounced US citizenship. The IRS taxes the interest as US income in any case.", "confidence": "high", "source": "Trading 212 Help Centre, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:cash-isa:tsb", "accountType": "cash-isa", "provider": "TSB", "providerUrl": "https://www.tsb.co.uk/savings/isas.html", "verdict": "skip", "note": "TSB's ISA important information says you must be 18 or over and resident only in the UK for tax purposes, and that rule covers all three of its cash ISAs. Its ordinary savings terms carry no such clause, so TSB will open you a savings account and refuse you the ISA.", "confidence": "high", "source": "TSB ISA important information, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:cash-isa:virgin-money", "accountType": "cash-isa", "provider": "Virgin Money", "providerUrl": "https://uk.virginmoney.com/savings/isa/", "verdict": "opens", "note": "Virgin Money's ISA key facts say UK residents aged 18 or over can open a cash ISA, with Crown employees serving overseas also eligible. The cash ISA rules carry no US-person wording and no sole-tax-residency requirement. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Virgin Money ISA key facts, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:cash-isa:yorkshire-building-society", "accountType": "cash-isa", "provider": "Yorkshire Building Society", "providerUrl": "https://www.ybs.co.uk/savings/cash-isas", "verdict": "opens", "note": "The cash ISA terms ask only that you are 18 or over and a UK resident for tax purposes, or a qualifying Crown employee or spouse. Neither the product terms nor the savings terms add a sole-residency or US-person restriction. The IRS still taxes the interest as US income, as the wrapper gives no US relief.", "confidence": "high", "source": "Yorkshire Building Society cash ISA terms, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:cash-isa:zopa", "accountType": "cash-isa", "provider": "Zopa", "providerUrl": "https://www.zopa.com/isas/cash-isa", "verdict": "skip", "note": "Zopa requires sole UK tax residency and says applicants must not be a US citizen, so it will not open its cash ISA for a US person. The wrapper gives no US relief regardless.", "confidence": "high", "source": "Zopa, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:credit-card:118118", "accountType": "credit-card", "provider": "118 118 Money", "providerUrl": "https://www.118118money.com/credit-cards", "verdict": "with-strings", "note": "Aimed at thin and impaired files, with published criteria limited to UK residents aged 18 and over, and an eligibility checker that quotes your limit on a soft search first. Its travel card charges nothing on foreign spending and does not mark up the exchange rate, which is rare here, but the representative rate is the steepest on this page.", "confidence": "medium", "source": "118 118 Money credit cards pages, 2026-08-17", "sourceUrl": "https://www.118118money.com/credit-cards", "lastChecked": "2026-08-31", "usCondition": "acceptance rests entirely on a UK credit check" }, { "id": "us-person:credit-card:amazon", "accountType": "credit-card", "provider": "Amazon Barclaycard", "providerUrl": "https://www.amazon.co.uk/dp/B0BH98211K", "verdict": "opens", "note": "No longer a NewDay card. The UK Amazon card is now the Amazon Barclaycard, underwritten by Barclays, and the old NewDay Amazon cards are closed to new applications. That puts it on the same balance sheet as Tesco Bank, so applying to both is one lender looking twice.", "confidence": "high", "source": "Amazon UK credit card page, 2026-08-17", "sourceUrl": "https://www.amazon.co.uk/dp/B0BH98211K", "lastChecked": "2026-08-31" }, { "id": "us-person:credit-card:amex-uk", "accountType": "credit-card", "provider": "American Express UK", "providerUrl": "https://www.americanexpress.com/en-gb/company/about/moving-abroad/", "verdict": "opens", "note": "The most useful card on this page for anyone who has just moved. Amex runs a global card transfer: hold a US consumer Amex as the basic cardmember for at least three months, open and in good standing, and you can apply for a UK card using that account, giving a UK address, a UK phone number and your previous address. Its own wording is conditional, that a UK credit file will be taken into account if you have one, which is what makes it work when you do not. Corporate and network cards are excluded, no balance carries over, and it quotes seven to ten days.", "confidence": "high", "source": "Amex UK moving abroad and global card transfer page, 2026-08-17", "sourceUrl": "https://www.americanexpress.com/en-gb/company/about/moving-abroad/", "lastChecked": "2026-08-31", "usCondition": "you can carry your US Amex history over instead of having a UK credit file" }, { "id": "us-person:credit-card:aqua", "accountType": "credit-card", "provider": "aqua", "providerUrl": "https://www.aquacard.co.uk/credit-cards/aqua-classic", "verdict": "with-strings", "note": "Credit comes from NewDay and the published criteria are unusually short: 18 or over with a permanent UK address, a UK bank account, no bankruptcy in eighteen months and no county court judgment in twelve. No minimum address history appears in that list, which makes aqua one of the more reachable cards on arrival, but at nearly 3% on foreign spending it is a card to build a file with rather than to spend on abroad.", "confidence": "high", "source": "aqua Classic card page, 2026-08-17", "sourceUrl": "https://www.aquacard.co.uk/credit-cards/aqua-classic", "lastChecked": "2026-08-31", "usCondition": "no minimum UK address history published, but it is a card to build a file with" }, { "id": "us-person:credit-card:barclaycard", "accountType": "credit-card", "provider": "Barclaycard", "providerUrl": "https://www.barclaycard.co.uk/personal/credit-cards/barclaycard-rewards", "verdict": "opens", "note": "The mainstream pick for anyone spending in dollars: no foreign transaction fee, no annual fee, and a stated zero fee on all cash withdrawals, against 2.99% on its standard cards. The catch is that Barclays underwrites on UK credit history alone, so a recently arrived American may be declined and should run the soft eligibility check first.", "confidence": "high", "source": "Barclaycard Rewards card page, 2026-08-17", "sourceUrl": "https://www.barclaycard.co.uk/personal/credit-cards/barclaycard-rewards", "lastChecked": "2026-08-31" }, { "id": "us-person:credit-card:capital-one", "accountType": "credit-card", "provider": "Capital One UK", "providerUrl": "https://www.capitalone.co.uk/creditcards/credit-cards", "verdict": "with-strings", "note": "No nationality bar, and Capital One is unusually candid about the problem you actually have, saying that a fantastic credit history in another country cannot be transferred to the UK. It asks for two years of addresses and leans on the electoral roll, so run its soft search before applying rather than applying cold. Note it also underwrites the Post Office and Ocean cards, so those are the same decision at a different rate.", "confidence": "high", "source": "Capital One UK credit cards and eligibility pages, 2026-08-17", "sourceUrl": "https://www.capitalone.co.uk/creditcards/credit-cards", "lastChecked": "2026-08-31", "usCondition": "needs visible UK credit history and two years of UK addresses" }, { "id": "us-person:credit-card:chase-uk", "accountType": "credit-card", "provider": "Chase UK", "providerUrl": "https://www.chase.co.uk/gb/en/support/apply-credit-card/", "verdict": "with-strings", "note": "Opens on the same terms as anyone else, and is as clean as this group gets on overseas spending: nothing on foreign transactions and nothing on cash withdrawals, at home or abroad. You need a Chase account first and must be UK tax resident, and it wants six years clear of bankruptcies, county court judgments and individual voluntary arrangements.", "confidence": "high", "source": "Chase UK credit card application and summary box, 2026-08-17", "sourceUrl": "https://www.chase.co.uk/gb/en/support/apply-credit-card/", "lastChecked": "2026-08-31", "usCondition": "you need a Chase account first, and must be UK tax resident" }, { "id": "us-person:credit-card:curve", "accountType": "credit-card", "provider": "Curve", "providerUrl": "https://www.curve.com/en-gb/", "verdict": "skip", "note": "Curve is not a credit card and does not belong on a credit card shortlist, though it is often suggested as one. Its terms describe an e-money card that sits in front of the cards you already hold, so it extends no credit of its own.", "confidence": "high", "source": "Curve UK site and terms, 2026-08-17", "sourceUrl": "https://www.curve.com/en-gb/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:credit-card:halifax", "accountType": "credit-card", "provider": "Halifax", "providerUrl": "https://www.halifax.co.uk/creditcards.html", "verdict": "with-strings", "note": "Halifax asks only that you are a UK resident aged 18 or over with a regular income, so citizenship is irrelevant here too. The live barrier is the brand move to Lloyds: new applications run through the Halifax app for people already registered for its online banking, and everyone else is pointed at Lloyds, which wants three years of UK address history.", "confidence": "high", "source": "Halifax credit cards pages, 2026-08-17", "sourceUrl": "https://www.halifax.co.uk/creditcards.html", "lastChecked": "2026-08-31", "usCondition": "app only for existing Halifax customers, and everyone else is sent to Lloyds" }, { "id": "us-person:credit-card:hsbc-uk", "accountType": "credit-card", "provider": "HSBC UK", "providerUrl": "https://www.hsbc.co.uk/credit-cards/", "verdict": "opens", "note": "HSBC asks that you are over 18, resident here and earning £6,800, and says nothing about nationality. The trap for a new arrival is the shape of the range: the Classic card, the one built for a thin credit file, is the single card that requires an active HSBC current account, so the easiest card to be accepted for is the one you cannot reach first.", "confidence": "high", "source": "HSBC UK credit cards pages, 2026-08-17", "sourceUrl": "https://www.hsbc.co.uk/credit-cards/", "lastChecked": "2026-08-31", "usCondition": "three years of UK address history, and its thin-file card needs an HSBC account" }, { "id": "us-person:credit-card:john-lewis", "accountType": "credit-card", "provider": "John Lewis Partnership Card", "providerUrl": "https://www.johnlewismoney.com/credit-cards/partnership-card.html", "verdict": "with-strings", "note": "The one card here that states an address history rule on the page, and it is the rule that catches a recent arrival: twelve months of UK addresses. NewDay also underwrites aqua and other retail brands, so a decline here is likely to repeat across that stable.", "confidence": "high", "source": "John Lewis Money partnership card page, 2026-08-17", "sourceUrl": "https://www.johnlewismoney.com/credit-cards/partnership-card.html", "lastChecked": "2026-08-17", "usCondition": "twelve months of UK address history" }, { "id": "us-person:credit-card:lloyds", "accountType": "credit-card", "provider": "Lloyds Bank", "providerUrl": "https://www.lloydsbank.com/credit-cards.html", "verdict": "with-strings", "note": "No nationality test, only UK residence, being 18 or over and a regular income. The strings are in the form, which wants three years of UK address history, and in the credit builder card, which needs three years of UK residency plus a group current account held over a year. Note MBNA, Halifax and Bank of Scotland are the same group.", "confidence": "high", "source": "Lloyds Bank credit card application guidance, 2026-08-17", "sourceUrl": "https://www.lloydsbank.com/credit-cards/help-and-guidance/how-to-apply-for-a-credit-card.html", "lastChecked": "2026-08-31", "usCondition": "three years of UK address history" }, { "id": "us-person:credit-card:ms-bank", "accountType": "credit-card", "provider": "M&S Bank", "providerUrl": "https://www.marksandspencer.com/c/money/credit-card", "verdict": "opens", "note": "Still on sale, with HSBC as the lender behind the M&S name. The published bar is being 18 or over, living in the UK, and an income or pension of at least £6,800, with no citizenship test anywhere in it.", "confidence": "high", "source": "M&S Bank credit card pages, 2026-08-17", "sourceUrl": "https://www.marksandspencer.com/c/money/credit-card", "lastChecked": "2026-08-17" }, { "id": "us-person:credit-card:mbna", "accountType": "credit-card", "provider": "MBNA", "providerUrl": "https://www.mbna.co.uk/credit-cards.html", "verdict": "opens", "note": "Open and lending, on UK residency, being 18 or over and a regular income. MBNA sits inside Lloyds Banking Group, so an application here overlaps with Lloyds, Halifax and Bank of Scotland rather than adding a separate shot. It publishes no representative rate at all, showing cards only after its own eligibility check.", "confidence": "medium", "source": "MBNA credit cards, 2026-08-17", "sourceUrl": "https://www.mbna.co.uk/credit-cards.html", "lastChecked": "2026-08-17" }, { "id": "us-person:credit-card:monzo", "accountType": "credit-card", "provider": "Monzo", "providerUrl": "https://monzo.com/flex/", "verdict": "with-strings", "note": "Monzo Flex is a genuine credit card rather than a debit product, and it charges nothing on spending abroad. Two limits worth knowing: it is sold only on top of a Monzo current account, so you cannot start here, and it cannot be used for cash withdrawals at all, anywhere.", "confidence": "high", "source": "Monzo Flex page, 2026-08-17", "sourceUrl": "https://monzo.com/flex/", "lastChecked": "2026-08-17", "usCondition": "you need a Monzo current account first" }, { "id": "us-person:credit-card:nationwide", "accountType": "credit-card", "provider": "Nationwide", "providerUrl": "https://www.nationwide.co.uk/credit-cards/", "verdict": "with-strings", "note": "Nationwide's cards are for members only, so you have to open something with them first, though a savings account is enough to count. Nothing in the criteria turns on nationality: 18 or over, resident here, earning £5,000. It also owns Virgin Money now, so those are not two separate chances.", "confidence": "high", "source": "Nationwide credit cards pages, 2026-08-17", "sourceUrl": "https://www.nationwide.co.uk/credit-cards/", "lastChecked": "2026-08-31", "usCondition": "members only, so you must open a Nationwide account first" }, { "id": "us-person:credit-card:natwest", "accountType": "credit-card", "provider": "NatWest", "providerUrl": "https://www.natwest.com/credit-cards.html", "verdict": "opens", "note": "The most welcoming of the big banks on paperwork: NatWest names a foreign passport and visa among the identity documents it accepts, which is not something the others spell out. Its test is being 18 or over, living here and earning £10,000, with no nationality condition. Only its credit builder card is restricted, to people who have banked with NatWest for three months.", "confidence": "high", "source": "NatWest credit cards and eligibility pages, 2026-08-17", "sourceUrl": "https://www.natwest.com/credit-cards.html", "lastChecked": "2026-08-31", "usCondition": "a foreign passport and visa are named as acceptable identity" }, { "id": "us-person:credit-card:ocean", "accountType": "credit-card", "provider": "Ocean Credit Card", "providerUrl": "https://www.oceanfinance.co.uk/credit-cards/", "verdict": "with-strings", "note": "Worth knowing who you are actually applying to. Ocean Finance is a credit broker and Capital One is the exclusive lender, so this meets the same underwriting decision as the Capital One Classic card but at a higher headline rate. Applying to both is one decision, not two chances.", "confidence": "medium", "source": "Ocean Finance credit cards page, 2026-08-17", "sourceUrl": "https://www.oceanfinance.co.uk/credit-cards/", "lastChecked": "2026-08-31", "usCondition": "the same Capital One decision as its Classic card, at a higher rate" }, { "id": "us-person:credit-card:post-office", "accountType": "credit-card", "provider": "Post Office Money", "providerUrl": "https://www.postoffice.co.uk/credit-card", "verdict": "opens", "note": "The card exists but the lender has changed twice, and Capital One now writes every new account, which is why the representative rate is high: it prices for thinner files. The stated bar is only being 18 or over and living in the UK. Applying here, to Ocean and to Capital One direct is one lender three times.", "confidence": "high", "source": "Post Office credit card pages, 2026-08-17", "sourceUrl": "https://www.postoffice.co.uk/credit-card", "lastChecked": "2026-08-31" }, { "id": "us-person:credit-card:revolut-credit-card", "accountType": "credit-card", "provider": "Revolut", "providerUrl": "https://help.revolut.com/help/more/question-credit-eligible-countries/", "verdict": "skip", "note": "Revolut has no UK credit card. Its own help centre says it does not offer credit products such as loans, credit cards or overdrafts in Great Britain, and although it has signalled that UK cards are coming since winning its banking licence, none is live.", "confidence": "high", "source": "Revolut help centre, credit eligible countries, 2026-08-17", "sourceUrl": "https://help.revolut.com/help/more/question-credit-eligible-countries/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:credit-card:sainsburys-bank", "accountType": "credit-card", "provider": "Sainsbury's Bank", "providerUrl": "https://www.sainsburysbank.co.uk/", "verdict": "skip", "note": "There is no Sainsbury's Bank credit card to apply for. New lending stopped during its phased exit, NatWest bought the card, loan and savings books in May 2025, and Sainsbury's has given up its banking permissions. A NatWest Nectar card is expected later in 2026 under the NatWest name.", "confidence": "high", "source": "Sainsbury's plc announcement on the sale of its banking business, 2026-08-17", "sourceUrl": "https://corporate.sainsburys.co.uk/news/press-releases/sale-of-core-banking-business-to-natwest-group/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:credit-card:santander", "accountType": "credit-card", "provider": "Santander UK", "providerUrl": "https://www.santander.co.uk/personal/credit-cards", "verdict": "with-strings", "note": "No nationality bar, but Santander words its residency test as permanent UK resident, which is stiffer than the plain UK resident the others use and worth checking against your visa before applying. For anyone still spending in dollars its cards are among the best here, since both the Rewards and All in One cards drop the currency fee entirely.", "confidence": "high", "source": "Santander UK credit cards pages, 2026-08-17", "sourceUrl": "https://www.santander.co.uk/personal/credit-cards", "lastChecked": "2026-08-31", "usCondition": "it asks for a permanent UK resident, a stiffer test than the others use" }, { "id": "us-person:credit-card:starling", "accountType": "credit-card", "provider": "Starling Bank", "providerUrl": "https://www.starlingbank.com/current-account/", "verdict": "skip", "note": "Starling has no consumer credit card, so there is nothing here to apply for whoever you are. The card that comes with the account is a debit card, and its personal borrowing is an arranged overdraft and a loan.", "confidence": "high", "source": "Starling current account and borrowing pages, 2026-08-17", "sourceUrl": "https://www.starlingbank.com/current-account/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:credit-card:tesco-bank", "accountType": "credit-card", "provider": "Tesco Bank", "providerUrl": "https://www.tescobank.com/credit-cards/", "verdict": "opens", "note": "The brand survived the sale of Tesco's banking business to Barclays in November 2024, and cards are still open to new customers, but Barclays is now the lender. Criteria are UK residency and being 18 or over, with nothing turning on citizenship. Applying here and to the Amazon Barclaycard is one lender reading your file twice.", "confidence": "high", "source": "Tesco Bank credit cards, 2026-08-17", "sourceUrl": "https://www.tescobank.com/credit-cards/", "lastChecked": "2026-08-31" }, { "id": "us-person:credit-card:tsb", "accountType": "credit-card", "provider": "TSB", "providerUrl": "https://www.tsb.co.uk/credit-cards/", "verdict": "opens", "note": "The lightest paperwork of the high street: TSB asks for your current UK address rather than years of history, and its published test is being over 18, resident here, with a regular income and no recent defaults. Nationality is never mentioned. The credit file still has to stand up, so this is easier to apply for than to be accepted for.", "confidence": "high", "source": "TSB credit cards pages, 2026-08-17", "sourceUrl": "https://www.tsb.co.uk/credit-cards/", "lastChecked": "2026-08-31", "usCondition": "only your current UK address is asked for" }, { "id": "us-person:credit-card:tymit", "accountType": "credit-card", "provider": "Tymit", "providerUrl": "https://tymit.com/en/", "verdict": "skip", "note": "Tymit no longer issues a consumer credit card in the UK. Its site now sells white label instalment programmes to retail and travel partners, and the consumer link redirects to help articles about accounts being closed.", "confidence": "high", "source": "Tymit site and help centre, 2026-08-17", "sourceUrl": "https://tymit.com/en/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:credit-card:vanquis", "accountType": "credit-card", "provider": "Vanquis Bank", "providerUrl": "https://www.vanquis.com/credit-cards/", "verdict": "with-strings", "note": "Vanquis lends to thin and damaged files and its published test has no nationality element, only that you are 18, have a regular income and are a permanent UK resident. The application then asks for three years of addresses, which a recent arrival cannot give. Worth knowing its travel card drops the currency fee to nothing, which is rare at this end of the market.", "confidence": "high", "source": "Vanquis credit cards pages, 2026-08-17", "sourceUrl": "https://www.vanquis.com/credit-cards/", "lastChecked": "2026-08-31", "usCondition": "needs three years of UK address history" }, { "id": "us-person:credit-card:virgin-money-card", "accountType": "credit-card", "provider": "Virgin Money", "providerUrl": "https://uk.virginmoney.com/credit-cards/", "verdict": "opens", "note": "Cards remain on sale to UK residents aged 18 or over with no citizenship condition, and are now issued in Nationwide's name after it bought Virgin Money in 2024. Its travel card is the one worth noting if you still spend in dollars, since it drops the currency fee entirely.", "confidence": "high", "source": "Virgin Money credit cards, 2026-08-17", "sourceUrl": "https://uk.virginmoney.com/credit-cards/", "lastChecked": "2026-08-31" }, { "id": "us-person:credit-card:yonder", "accountType": "credit-card", "provider": "Yonder", "providerUrl": "https://www.yonder.com/credit-cards/free-credit-card", "verdict": "opens", "note": "The answer for someone who has just landed. Yonder says in its own words that it does not require a UK credit score, and asks you to connect a bank account through open banking to evidence income instead, which is precisely the gap a new arrival falls into. No foreign transaction fee and free cash withdrawals abroad on top.", "confidence": "high", "source": "Yonder free credit card page, 2026-08-17", "sourceUrl": "https://www.yonder.com/credit-cards/free-credit-card", "lastChecked": "2026-08-31" }, { "id": "us-person:credit-card:zilch", "accountType": "credit-card", "provider": "Zilch", "providerUrl": "https://www.zilch.com/uk/cards/", "verdict": "with-strings", "note": "Open to any UK resident, but treat it as a spending tool rather than a travel card. Foreign spending costs 2.99% unless you pay £2.99 a month for the Extra tier that removes it, and the card is blocked for cash withdrawals entirely.", "confidence": "medium", "source": "Zilch cards page, 2026-08-17", "sourceUrl": "https://www.zilch.com/uk/cards/", "lastChecked": "2026-08-31", "usCondition": "a pay in instalments card rather than a general purpose one" }, { "id": "us-person:credit-card:zopa", "accountType": "credit-card", "provider": "Zopa", "providerUrl": "https://www.zopa.com/credit-card", "verdict": "with-strings", "note": "Not a refusal so much as a wait. Zopa asks for a year of UK address history, a credit history it can see, and two active UK credit lines such as a phone contract and an overdraft. None of that turns on citizenship, and it charges nothing on foreign spending, so it is worth returning to once you have been here a year.", "confidence": "high", "source": "Zopa credit card eligibility help page, 2026-08-17", "sourceUrl": "https://www.zopa.com/help/article/who-can-get-a-zopa-credit-card", "lastChecked": "2026-08-17", "usCondition": "a year of UK address history and two active UK credit lines, so not on arrival" }, { "id": "us-person:current-account:al-rayan-bank", "accountType": "current-account", "provider": "Al Rayan Bank", "providerUrl": "https://www.alrayanbank.co.uk/product/personal-current-account", "verdict": "opens", "note": "Al Rayan sets no nationality condition and treats US citizens as a routine reporting matter, so the only real gate is the minimum balance. It is Sharia compliant, so it pays expected profit rather than interest, and this account pays neither.", "confidence": "medium", "source": "Al Rayan personal current account, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:allied-irish-bank-gb", "accountType": "current-account", "provider": "Allied Irish Bank (GB)", "providerUrl": "https://aibgb.co.uk/personal-banking/personal-current-accounts/current-accounts", "verdict": "opens", "note": "The gate here is not US status: you must be a UK resident and already an Allied Irish Bank (GB) customer, and you open the account by calling them. Its only tax step is the standard FATCA and CRS self-certification.", "confidence": "medium", "source": "Allied Irish Bank (GB) current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:arbuthnot-latham", "accountType": "current-account", "provider": "Arbuthnot Latham", "providerUrl": "https://www.arbuthnotlatham.co.uk/private-banking/banking-services", "verdict": "opens", "note": "Arbuthnot Latham states the number outright on its own become-a-client form: new private clients must bring at least £750,000 in deposits, investments or borrowing. Nothing in its terms bars US citizens, and the only tax wording is the routine duty to report a change of tax residency.", "confidence": "medium", "source": "Arbuthnot Latham private banking, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:bank-of-ireland-uk", "accountType": "current-account", "provider": "Bank of Ireland UK", "providerUrl": "https://www.bankofirelanduk.com/personal/current-account/", "verdict": "opens", "note": "Branches are in Northern Ireland only, with everyday counter services at Post Office branches across the UK, and the stated requirement is being 18 or over and resident in the UK. No page sets a nationality or single-country tax-residency test.", "confidence": "medium", "source": "Bank of Ireland UK current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:bank-of-scotland", "accountType": "current-account", "provider": "Bank of Scotland", "providerUrl": "https://www.bankofscotland.co.uk/bankaccounts/compare-current-accounts.html", "verdict": "opens", "note": "Bank of Scotland sets an age test of 18 or over and leaves the rest to a general assessment, with no tax-residency wording and no US exclusion. Confidence is a notch lower than sister brand Halifax because the residency criterion is not spelled out on its product pages.", "confidence": "medium", "source": "Bank of Scotland current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:barclays", "accountType": "current-account", "provider": "Barclays", "providerUrl": "https://www.barclays.co.uk/current-accounts/", "verdict": "opens", "note": "Onboards US persons once a UK address is proven, with W-9 and FATCA self-certification at sign-up.", "confidence": "medium", "source": "Greenback, 2026-06-19", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:c-hoare-co", "accountType": "current-account", "provider": "C. Hoare & Co", "providerUrl": "https://www.hoaresbank.co.uk/current-account", "verdict": "opens", "note": "Nothing in the bank's published tariff, account guide or terms bars US citizens, and it handles US dollar cheques and currency accounts as routine. It publishes no wealth or income minimum, so the visible cost of entry is the monthly charge.", "confidence": "medium", "source": "C. Hoare & Co tariff and account guide, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:chase-uk", "accountType": "current-account", "provider": "Chase UK", "providerUrl": "https://www.chase.co.uk/gb/en/product/chase-account/", "verdict": "with-strings", "note": "Chase asks you to be resident and tax resident in the UK, and its own guidance says that if you are a US citizen or resident it may follow up for more information after your tax self-certification. Being tax resident elsewhere as well is reported rather than refused, but expect the extra step.", "confidence": "medium", "source": "Chase UK, confirming your tax residence, 2026-08-17", "lastChecked": "2026-08-17", "usCondition": "expect follow-up questions after your tax self-certification" }, { "id": "us-person:current-account:coutts", "accountType": "current-account", "provider": "Coutts", "providerUrl": "https://www.coutts.com/private-banking/banking-and-rewards/current-account.html", "verdict": "opens", "note": "Coutts states on its own important information page that it can offer bespoke investment services to US citizens resident outside the US, so being American is not a bar. The entry requirement is the real gate.", "confidence": "high", "source": "Coutts important information and current account pages, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:cumberland-building-society", "accountType": "current-account", "provider": "Cumberland Building Society", "providerUrl": "https://www.cumberland.co.uk/current-accounts", "verdict": "opens", "note": "The Cumberland is regional: new customers must live in its operating area, covering Cumbria, south-west Scotland, west Northumberland and north Lancashire, so it is no use to a reader elsewhere. Nothing on its pages rules out a US citizen or asks for single-country tax residency.", "confidence": "medium", "source": "Cumberland Building Society current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:danske-bank-uk", "accountType": "current-account", "provider": "Danske Bank UK", "providerUrl": "https://danskebank.co.uk/personal/products/current-accounts", "verdict": "opens", "note": "Danske Bank UK serves Northern Ireland only, and new customers must be resident there, so a reader in Great Britain cannot use it. Nothing bars a US citizen; the application asks the routine FATCA and CRS tax-residency questions, including whether you are a US citizen.", "confidence": "high", "source": "Danske Bank UK current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:first-direct", "accountType": "current-account", "provider": "First Direct", "providerUrl": "https://www.firstdirect.com/banking/current-account/", "verdict": "opens", "note": "First Direct publishes three conditions for the 1st Account: over 18, UK resident, and no bankruptcy or individual voluntary arrangement in the last six years. Nothing turns on citizenship or on being tax resident in the UK alone.", "confidence": "medium", "source": "First Direct 1st Account, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:halifax", "accountType": "current-account", "provider": "Halifax", "providerUrl": "https://www.halifax.co.uk/bankaccounts/current-accounts.html", "verdict": "opens", "note": "Halifax asks that you are 18 or over and resident in the UK, with no tax-residency test and no US exclusion. The Halifax brand is moving to Lloyds, so applicants who do not use the Halifax app are being pointed at Lloyds accounts.", "confidence": "high", "source": "Halifax current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:hampden-co", "accountType": "current-account", "provider": "Hampden & Co", "providerUrl": "https://www.hampdenbank.com/banking", "verdict": "opens", "note": "The client agreement asks only that you are 16 or over and resident in the UK, with no wealth minimum and no US restriction anywhere in the terms. There is no monthly fee, but you pay per transaction, so the cost depends on how much you move rather than what you hold.", "confidence": "medium", "source": "Hampden & Co client agreement and tariff, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:handelsbanken-uk", "accountType": "current-account", "provider": "Handelsbanken UK", "providerUrl": "https://www.handelsbanken.co.uk/en/individual/current-accounts-and-cards/current-account", "verdict": "opens", "note": "Handelsbanken says plainly that it is not a private bank and sets no minimum for income, assets or mortgages, which makes it the cheapest route into relationship banking here. The published condition is residency rather than nationality: UK resident and over 18, joining through a local branch.", "confidence": "medium", "source": "Handelsbanken becoming a customer, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:hbl-bank-uk", "accountType": "current-account", "provider": "HBL Bank UK", "providerUrl": "https://hblbankuk.com/personal/", "verdict": "opens", "note": "States plainly that it welcomes US persons who meet their FATCA obligations.", "confidence": "medium", "source": "HBL FATCA FAQ (provider)", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:hsbc", "accountType": "current-account", "provider": "HSBC", "providerUrl": "https://www.hsbc.co.uk/current-accounts/", "verdict": "opens", "note": "High-street accounts accept US persons; HSBC Expat serves non-residents but expects a minimum balance around £50,000.", "confidence": "medium", "source": "Greenback; VisaWise, 2026-04", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:kroo", "accountType": "current-account", "provider": "Kroo", "providerUrl": "https://kroo.com/current-account", "verdict": "opens", "note": "Kroo asks only that you are 18 or over and resident in the UK, the Isle of Man or the Channel Islands. Its terms ask outright whether you are a US person and say the account may be reported, which is reporting rather than a bar.", "confidence": "high", "source": "Kroo current account terms, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:lloyds", "accountType": "current-account", "provider": "Lloyds Bank", "providerUrl": "https://www.lloydsbank.com/current-accounts.html", "verdict": "opens", "note": "Accepts US persons with a UK address; a Lloyds International account is also available.", "confidence": "medium", "source": "Expat Tax Online; Greenback, 2026-06-19", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:metro-bank", "accountType": "current-account", "provider": "Metro Bank", "providerUrl": "https://www.metrobankonline.co.uk/bank-accounts/", "verdict": "opens", "note": "Metro Bank asks for 18 or over, UK residency and proof of identity and address. Its self-certification form has a place for the United States and a US tax number, so a US citizen is a reporting case rather than an excluded one.", "confidence": "medium", "source": "Metro Bank current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:monzo", "accountType": "current-account", "provider": "Monzo", "providerUrl": "https://monzo.com/current-account/", "verdict": "opens", "note": "Monzo's published terms set no residency or tax-residency test beyond being UK resident, and its savings pot, which requires a Monzo current account, carries no US-person bar. No current-account-specific US policy is published, so this rests on those terms rather than a direct statement.", "confidence": "medium", "source": "Monzo instant access savings pot terms, 2024-10-29", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:nationwide-building-society", "accountType": "current-account", "provider": "Nationwide Building Society", "providerUrl": "https://www.nationwide.co.uk/current-accounts/", "verdict": "opens", "note": "Nationwide asks that you are 18 or over, a UK resident, and hold no more than three of its current accounts. It asks about tax residency for FATCA and CRS reporting, which is a reporting step rather than a bar.", "confidence": "high", "source": "Nationwide current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:natwest", "accountType": "current-account", "provider": "NatWest", "providerUrl": "https://www.natwest.com/current-accounts.html", "verdict": "opens", "note": "Accepts US persons with a UK address, with FATCA self-certification at sign-up.", "confidence": "medium", "source": "Greenback, 2026-06-19", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:revolut", "accountType": "current-account", "provider": "Revolut UK", "providerUrl": "https://www.revolut.com/personal-account/", "verdict": "opens", "note": "Opens for US persons and is the easiest route before you have a UK address. Revolut now operates in the UK through Revolut Bank UK Ltd, which is PRA-authorised, so balances are FSCS-protected rather than merely safeguarded; older balances may still sit with its electronic money entity, so check which one holds yours.", "confidence": "medium", "source": "Revolut UK money-safety and pricing pages, 2026-08-17", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:santander-uk", "accountType": "current-account", "provider": "Santander UK", "providerUrl": "https://www.santander.co.uk/personal/current-accounts", "verdict": "opens", "note": "Santander asks only that you are 18 or over and live in the UK permanently. Nothing on its account pages requires you to be tax resident only in the UK, and nothing excludes US citizens.", "confidence": "high", "source": "Santander current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:starling", "accountType": "current-account", "provider": "Starling Bank", "providerUrl": "https://www.starlingbank.com/current-account/", "verdict": "opens", "note": "Starling asks only that you are 18 or over and resident in the UK with the right to reside, and its saver, which requires a Starling current account, carries no US-person bar. No current-account-specific US policy is published, so this rests on those terms rather than a direct statement.", "confidence": "medium", "source": "Starling personal easy saver terms, 2026-05-31", "lastChecked": "2026-06-27" }, { "id": "us-person:current-account:the-co-operative-bank", "accountType": "current-account", "provider": "The Co-operative Bank", "providerUrl": "https://www.co-operativebank.co.uk/products/bank-accounts/", "verdict": "opens", "note": "The Co-operative Bank asks about age, UK residency and credit history, with no tax-residency test and no US exclusion. It runs a separate tax-residence self-certification form that defines US-citizen status, which is a reporting process rather than an account bar.", "confidence": "high", "source": "The Co-operative Bank accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:triodos-bank-uk", "accountType": "current-account", "provider": "Triodos Bank UK", "providerUrl": "https://www.triodos.co.uk/current-accounts/current-account", "verdict": "opens", "note": "Triodos requires every account holder to be a UK resident aged 18 or over, and its terms say tax residence outside the UK means reporting rather than closure. Its own tax page defines a US person to include anyone born in the United States and confirms it reports those accounts, so it holds them.", "confidence": "high", "source": "Triodos tax regulations page, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:tsb", "accountType": "current-account", "provider": "TSB", "providerUrl": "https://www.tsb.co.uk/current-accounts/", "verdict": "opens", "note": "TSB asks that you are 18 or over and a UK resident. Its FATCA page asks customers to declare whether they are a US person, which is a reporting question rather than an eligibility condition.", "confidence": "high", "source": "TSB current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:ulster-bank", "accountType": "current-account", "provider": "Ulster Bank", "providerUrl": "https://www.ulsterbank.co.uk/current-accounts.html", "verdict": "opens", "note": "Ulster Bank now trades in Northern Ireland only, having left the Republic of Ireland, so its branches are all in NI even though the stated test is simply being 18 or over and a UK resident. No page sets a nationality bar.", "confidence": "high", "source": "Ulster Bank current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:virgin-money", "accountType": "current-account", "provider": "Virgin Money", "providerUrl": "https://uk.virginmoney.com/current-accounts/", "verdict": "opens", "note": "Virgin Money asks that you are 18 or over and living in the UK. Its own tax self-certification tells a US citizen to enter the United States alongside the UK, so US status is handled as reporting rather than refusal.", "confidence": "high", "source": "Virgin Money CRS and current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:current-account:weatherbys-bank", "accountType": "current-account", "provider": "Weatherbys Bank", "providerUrl": "https://www.weatherbys.bank/private-bank/private-banking/current-accounts/", "verdict": "opens", "note": "Weatherbys runs a named team of private bankers for US citizens living and working in the UK, which is as close to an open invitation as this market offers. It says it does not ask clients to invest with it in order to open an account, so there is no entry minimum; the cost is the monthly fee unless you hold £350,000 with them.", "confidence": "high", "source": "Weatherbys US Citizen Services and current accounts, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:aj-bell", "accountType": "investment-brokerage", "provider": "AJ Bell", "providerUrl": "https://www.ajbell.co.uk/dealing-account", "verdict": "skip", "note": "AJ Bell states it plainly for this product: if you are a US citizen, or a US tax resident, you cannot open a dealing account. Do not read across from its SIPP, which does accept US citizens. AJ Bell sets the rule product by product, and this is the one where the answer is no.", "confidence": "high", "source": "AJ Bell Dealing account key features, 2026-08-17", "sourceUrl": "https://www.ajbell.co.uk/sites/ajbell/files/DA_key_features.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:barclays-smart-investor", "accountType": "investment-brokerage", "provider": "Barclays Smart Investor", "providerUrl": "https://www.barclays.co.uk/smart-investor/accounts/investment-account/", "verdict": "with-strings", "note": "Barclays does not shut a UK resident US citizen out, it narrows what it will do for one, saying it can provide only a restricted range of investment services. It will not place any trade without a signed W-9 carrying your US tax number, and it does not publish which services survive the restriction, so ask before you move anything across.", "confidence": "medium", "source": "Barclays Smart Investor terms and fees, 2026-08-17", "sourceUrl": "https://www.barclays.co.uk/content/dam/documents/smart-investor/smartinvestorterms.pdf", "lastChecked": "2026-08-17", "usCondition": "a signed W-9 before any trade, and a restricted service range Barclays will not publish" }, { "id": "us-person:investment-brokerage:bestinvest", "accountType": "investment-brokerage", "provider": "Bestinvest", "providerUrl": "https://bestinvest.co.uk/", "verdict": "skip", "note": "The stated test is residence, then a birthplace test is layered on top: if you were born, live or pay tax in the United States you cannot open a Bestinvest account. That is wider than citizenship and catches people who have never held a US passport. Bestinvest attributes it to its custodian not complying with IRS reporting, and it covers every account type.", "confidence": "high", "source": "Bestinvest eligibility page, 2026-08-17", "sourceUrl": "https://bestinvest.co.uk/help/eligibility", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:canaccord", "accountType": "investment-brokerage", "provider": "Canaccord Wealth (formerly Hargreave Hale)", "providerUrl": "https://www.canaccord-wealth.com/your-needs/investing-for-us-expats/", "verdict": "opens", "note": "The plainest answer on this page. Canaccord says it has acted for US expats for decades and that it does not turn US citizens away, and it runs a specialist team for them. Portfolios are built from individual shares, bonds and US-listed funds that also carry UK reporting status, which solves both tax systems at once rather than trading one problem for the other, and PFICs are avoided by design. Typically for people with over £100,000 to invest.", "confidence": "high", "source": "Canaccord Wealth, investing for US expats, 2026-08-17", "sourceUrl": "https://www.canaccord-wealth.com/your-needs/investing-for-us-expats/", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:charles-schwab-international", "accountType": "investment-brokerage", "provider": "Charles Schwab International", "providerUrl": "https://international.schwab.com/us-investing-brokerage-account", "verdict": "with-strings", "note": "The cleanest answer on this page, and it avoids the US address trap that closes Schwab's domestic checking account to someone who has moved: it accepts a UK utility bill, council tax demand or HMRC coding notice as proof of residence. The string is what kind of account it is. This is a US-domiciled dollar account reporting on a 1099, so you are protected by SIPC and not by the FSCS.", "confidence": "high", "source": "Schwab International US expat investing pages, 2026-08-17", "sourceUrl": "https://international.schwab.com/us-expat-investing", "lastChecked": "2026-08-17", "usCondition": "a US-domiciled dollar account with SIPC rather than FSCS, and a W-9" }, { "id": "us-person:investment-brokerage:chip", "accountType": "investment-brokerage", "provider": "Chip", "providerUrl": "https://www.getchip.uk/investing", "verdict": "skip", "note": "Chip has chosen not to accept US persons, or anyone not solely UK tax resident, as customers. The forward-looking clause is the worse half: if you later become a US person you must tell Chip and the account will need to be closed, which lands on someone who naturalises years after opening.", "confidence": "high", "source": "Chip group terms of business, April 2026, read 2026-08-17", "sourceUrl": "https://www.getchip.uk/investing", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:degiro", "accountType": "investment-brokerage", "provider": "DEGIRO", "providerUrl": "https://www.degiro.com/uk/", "verdict": "skip", "note": "DEGIRO fails twice over. It says it cannot serve a US person and that US law follows the person rather than the address, and separately its UK site says onboarding for new UK clients is closed. Worth noting the protection too: flatexDEGIRO Bank SE is an overseas firm and the FSCS does not cover you.", "confidence": "high", "source": "DEGIRO UK helpdesk, US persons, 2026-08-17", "sourceUrl": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:dodl", "accountType": "investment-brokerage", "provider": "Dodl by AJ Bell", "providerUrl": "https://dodl.co.uk/features/general-investment-account", "verdict": "skip", "note": "Dodl states it plainly: you cannot open its general investment account if you are a US citizen or US tax resident. It reproduces the AJ Bell split exactly, because its pension rule bars only Canadians, so a US citizen turned away from this account can still open the Dodl pension.", "confidence": "high", "source": "Dodl general investment account key features, 2026-08-17", "sourceUrl": "https://dodl.co.uk/features/general-investment-account", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:etoro-uk", "accountType": "investment-brokerage", "provider": "eToro UK", "providerUrl": "https://www.etoro.com/", "verdict": "skip", "note": "Both eToro doors are shut and they shut on opposite groups. The UK terms treat US residents and citizens as a blocked country, while the US arm says it cannot serve US citizens who live outside the States, which is precisely where you are.", "confidence": "high", "source": "eToro help centre, US citizens living abroad, 2026-08-17", "sourceUrl": "https://help.etoro.com/en-us/s/1162852812/can-i-have-an-etoro-account-if-i-am-a-us-citizen-living-abroad/", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:evelyn-partners", "accountType": "investment-brokerage", "provider": "Evelyn Partners", "providerUrl": "https://usa.evelyn.com/evelyn-partners-usa/", "verdict": "opens", "note": "A dedicated service for US individuals, trusts and companies, built on more than twenty years of looking after US-connected clients and registered with the SEC as well as the FCA. Portfolios are built from directly held shares and bonds, and assets sit with a New Jersey custodian that produces the US tax reporting for you.", "confidence": "high", "source": "Evelyn Partners USA service pages, 2026-08-17", "sourceUrl": "https://usa.evelyn.com/evelyn-partners-usa/", "lastChecked": "2026-08-17", "usCondition": "discretionary management only, with no execution only route" }, { "id": "us-person:investment-brokerage:fidelity-uk", "accountType": "investment-brokerage", "provider": "Fidelity UK", "providerUrl": "https://www.fidelity.co.uk/services/investment-account/", "verdict": "skip", "note": "Fidelity's client terms restrict accounts to UK residents over 18 who are not US persons, and the definition covers any US citizen and any US passport holder wherever they live. It also reserves the right to sell your investments and close the account if it merely suspects you will become one.", "confidence": "high", "source": "Fidelity, Doing Business with Fidelity client terms, April 2026, read 2026-08-17", "sourceUrl": "https://www.fidelity.co.uk/media/PI%20UK/pdf/legal/gfas-doing-business-with-fidelity.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:freetrade", "accountType": "investment-brokerage", "provider": "Freetrade", "providerUrl": "https://freetrade.io/", "verdict": "skip", "note": "Freetrade sells a general account with no fee and no commission, and its terms make not being a US person under FATCA a condition of every account it offers, including citizens and residents of the States. The bar bites before you reach its separate fund restrictions.", "confidence": "high", "source": "Freetrade general terms, clause 7.2.5, 2026-08-17", "sourceUrl": "https://freetrade.io/terms-and-conditions-2", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:halifax-share-dealing", "accountType": "investment-brokerage", "provider": "Halifax Share Dealing", "providerUrl": "https://www.halifax.co.uk/investing/start-investing/share-dealing-services/share-dealing-account.html", "verdict": "skip", "note": "Halifax puts a citizenship test in its eligibility list beside the residence one, requiring that you are not a US person, a US citizen, or US tax resident by any other route. Both tests must be met, so living in Britain does not rescue it.", "confidence": "high", "source": "Halifax Share Dealing terms and conditions, 2026-08-17", "sourceUrl": "https://www.halifax.co.uk/assets/pdf/filestore/HalifaxShareDealing_TermsandConds.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:hargreaves-lansdown", "accountType": "investment-brokerage", "provider": "Hargreaves Lansdown", "providerUrl": "https://www.hl.co.uk/investment-services/fund-and-share-account", "verdict": "with-strings", "note": "HL sets no citizenship test and asks only that you are over 18 and UK resident for tax. The friction comes after: a US citizen files a paper W-9 rather than the online W-8BEN, gets no reduced treaty rate on US dividends, and cannot transfer an account in online.", "confidence": "medium", "source": "HL Fund and Share Account, charges and overseas dealing pages, 2026-08-17", "sourceUrl": "https://www.hl.co.uk/shares/share-dealing/overseas-share-dealing-service", "lastChecked": "2026-08-17", "usCondition": "a paper W-9 instead of the online form, no treaty rate, and no transferring in online" }, { "id": "us-person:investment-brokerage:ig", "accountType": "investment-brokerage", "provider": "IG", "providerUrl": "https://www.ig.com/uk/investments/share-dealing", "verdict": "with-strings", "note": "IG will open the account and then bar the thing you most likely wanted it for. Its help centre says a US citizen files a Form W-9 and may only buy US-incorporated stock as a CFD or spread bet, never through the share dealing account, which leaves you holding non-US shares and PFICs.", "confidence": "high", "source": "IG help centre, W-8BEN and US citizens, 2026-08-17", "sourceUrl": "https://www.ig.com/uk/help-and-support/articles/682821-what-is-a-w-8ben-form-and-why-do-i-need-one", "lastChecked": "2026-08-17", "usCondition": "barred from US-incorporated stock in the share dealing account, and a paper Form W-9" }, { "id": "us-person:investment-brokerage:interactive-brokers", "accountType": "investment-brokerage", "provider": "Interactive Brokers UK", "providerUrl": "https://www.interactivebrokers.co.uk/en/home.php", "verdict": "opens", "note": "IBKR opens a general account for a US citizen living here and asks only for a Form W-9. Read the protection line carefully: the UK entity is FCA authorised but custodies your securities and cash with Interactive Brokers LLC in the US, so cover is SIPC at $500,000 with a $250,000 cash sublimit rather than the £85,000 FSCS you would get from a UK platform.", "confidence": "high", "source": "IBKR US tax information page, 2026-08-17", "sourceUrl": "https://www.interactivebrokers.co.uk/en/support/tax-us-initial.php", "lastChecked": "2026-08-17", "usCondition": "a Form W-9 and a social security number at application" }, { "id": "us-person:investment-brokerage:interactive-investor", "accountType": "investment-brokerage", "provider": "Interactive Investor", "providerUrl": "https://www.ii.co.uk/ii-accounts/trading-account", "verdict": "skip", "note": "The marketing page and the contract disagree, and the contract wins. The product page asks only that you are 18 or over and a UK tax resident, which a US citizen in Britain passes. The terms of service then require you to confirm you are neither a Canadian resident nor a US person, and a later clause lets ii close your positions if it believes you are one.", "confidence": "high", "source": "ii terms of service, clauses on eligibility and 20.2, 2026-08-17", "sourceUrl": "https://media-prod.ii.co.uk/s3fs-public/pdfs/terms_of_service.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:investec-wealth", "accountType": "investment-brokerage", "provider": "Investec Wealth and Investment", "providerUrl": "https://www.rathbones.com/en-gb/wealth-management/help/rathbones-and-investec-wealth-and-investment-uk", "verdict": "skip", "note": "There is no longer an Investec Wealth and Investment UK to apply to. The business joined Rathbones Group in 2023 and client investments have migrated across, so a US citizen should read the Rathbones row and its US taxpayer service instead.", "confidence": "high", "source": "Rathbones guidance on the Investec Wealth and Investment migration, 2026-08-17", "sourceUrl": "https://www.rathbones.com/en-gb/wealth-management/help/rathbones-and-investec-wealth-and-investment-uk", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:investengine", "accountType": "investment-brokerage", "provider": "InvestEngine", "providerUrl": "https://investengine.com/", "verdict": "skip", "note": "A general account exists and is open to eligible clients, and US persons are not among them: InvestEngine cannot open accounts for US citizens or US tax residents. It sells only ETFs in any case, so every holding here would be a PFIC even if the door opened.", "confidence": "high", "source": "InvestEngine help centre, who can open an account, 2026-08-17", "sourceUrl": "https://help.investengine.com/hc/en-gb/articles/31149906352029-Who-can-open-an-InvestEngine-account", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:iweb", "accountType": "investment-brokerage", "provider": "iWeb (now Scottish Widows Share Dealing)", "providerUrl": "https://www.scottishwidows.co.uk/investing/ways-to-invest/share-dealing-services/share-dealing-account.html", "verdict": "skip", "note": "Worth knowing that iWeb is no longer called iWeb. It is now the Scottish Widows Share Dealing Account, run by the same Lloyds business as Halifax, and it carries the same bar: the application criteria require that you are not a US citizen or US taxpayer.", "confidence": "high", "source": "Scottish Widows Share Dealing Account application criteria and terms, 2026-08-17", "sourceUrl": "https://www.scottishwidows.co.uk/investing/ways-to-invest/share-dealing-services/share-dealing-account.html", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:lightyear", "accountType": "investment-brokerage", "provider": "Lightyear", "providerUrl": "https://lightyear.com/en-gb/", "verdict": "skip", "note": "Lightyear declines on citizenship rather than residence, naming US citizens and US tax residents among the cases where it cannot offer services, so living in the UK does not help.", "confidence": "high", "source": "Lightyear eligibility page, 2026-08-17", "sourceUrl": "https://lightyear.com/en-gb/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:moneybox", "accountType": "investment-brokerage", "provider": "Moneybox", "providerUrl": "https://www.moneyboxapp.com/general-investment-account", "verdict": "skip", "note": "Moneybox states the bar on the product page itself: you must be 18 or over and resident in the UK, and not a US citizen. That is a citizenship test rather than a residence one, so living here does not help. Its individual US shares are offered in the ISA rather than in this account in any case.", "confidence": "high", "source": "Moneybox general investment account support page, 2026-08-17", "sourceUrl": "https://support.moneyboxapp.com/general-investment-account/", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:moneyfarm", "accountType": "investment-brokerage", "provider": "Moneyfarm", "providerUrl": "https://www.moneyfarm.com/uk/", "verdict": "skip", "note": "Worth reading as a warning about how these bars are published. Moneyfarm's account opening clause carries no US person test at all, so the contract alone would tell you the door is open. Its FAQ closes it: Moneyfarm decided not to accept further US persons as customers, counting citizens, green card holders and anyone born in the States. Only people who opened before March 2021 are carried on, and only while they live in the UK.", "confidence": "high", "source": "Moneyfarm FAQ, 2026-08-24", "sourceUrl": "https://www.moneyfarm.com/uk/contact-us/", "lastChecked": "2026-08-24" }, { "id": "us-person:investment-brokerage:nutmeg", "accountType": "investment-brokerage", "provider": "Nutmeg (J.P. Morgan Personal Investing)", "providerUrl": "https://www.personalinvesting.jpmorgan.com/", "verdict": "skip", "note": "A general account is one of the products and the terms are flat: it does not provide portfolios or services to US persons. The clause that reaches forward is worse than the refusal, warning that if you become a US person it may sell your investments and withhold cash against US withholding tax.", "confidence": "high", "source": "J.P. Morgan Personal Investing terms, clauses 1.2 and 20.6, 2026-08-17", "sourceUrl": "https://www.personalinvesting.jpmorgan.com/legal/terms-and-conditions", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:pepperstone", "accountType": "investment-brokerage", "provider": "Pepperstone", "providerUrl": "https://pepperstone.com/en-gb/", "verdict": "skip", "note": "Not a share dealing account, and not a refusal either. Pepperstone offers only leveraged derivatives, and says plainly that you do not own or have rights in the underlying asset, so a contract for difference on Apple is not an Apple share. Its terms say nothing about US citizens either way. Worth knowing because it is often suggested alongside brokers, and it is a different product with different tax treatment again.", "confidence": "high", "source": "Pepperstone UK terms and conditions and account pages, 2026-08-17", "sourceUrl": "https://pepperstone.com/en-gb/help-and-support/opening-an-account/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:plum", "accountType": "investment-brokerage", "provider": "Plum", "providerUrl": "https://withplum.com/investments", "verdict": "skip", "note": "The account declaration you sign says you are not a US person as the IRS defines one, so the door shuts on citizenship rather than residence. Plum's help centre is blunter still, saying American citizens, including those with dual citizenship, cannot use the funds feature in the app.", "confidence": "high", "source": "Plum key feature documents and help centre, 2026-08-17", "sourceUrl": "https://withplum.com/legal/key_feature_documents", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:prosper", "accountType": "investment-brokerage", "provider": "Prosper", "providerUrl": "https://www.prosper.co.uk/products/gia", "verdict": "with-strings", "note": "Prosper's investment terms set only a residence test, that you are 18 or over and UK tax resident, and the US exclusion sits in its savings annex rather than its investing one. So the account may well open. The problem is what is on it: more than 200 funds and ETFs and no individual shares at all, so every holding available to you is a PFIC.", "confidence": "medium", "source": "Prosper terms and conditions version 7.0, March 2026, read 2026-08-17", "sourceUrl": "https://www.prosper.co.uk/documents/terms-and-conditions", "lastChecked": "2026-08-17", "usCondition": "the door may open, but the shelves hold only funds" }, { "id": "us-person:investment-brokerage:rathbones", "accountType": "investment-brokerage", "provider": "Rathbones", "providerUrl": "https://www.rathbones.com/en-us/wealth-management", "verdict": "opens", "note": "Rathbones runs a service specifically for US taxpayers and says it supports US residents, US citizens, green card holders and US working visa holders, with a team regulated by both the SEC and the FCA. Its own material says the service avoids PFICs and uses direct shares and bonds alongside selected US ETFs and other compliant vehicles.", "confidence": "high", "source": "Rathbones investment services for US taxpayers, 2026-08-17", "sourceUrl": "https://www.rathbones.com/en-us/wealth-management", "lastChecked": "2026-08-17", "usCondition": "discretionary management only, from around £300,000" }, { "id": "us-person:investment-brokerage:rbc-brewin-dolphin", "accountType": "investment-brokerage", "provider": "RBC Brewin Dolphin", "providerUrl": "https://www.rbcwealthmanagement.com/en-uk/wealth-management", "verdict": "skip", "note": "The client terms say it may not provide services if you are or become a US person, and reserve the right to withdraw them if you become one, with US person defined to include any citizen or resident of the States. The site disclaimer adds that no offer is made to any US person.", "confidence": "high", "source": "RBC Europe Limited retail client terms, clause 121, 2026-08-17", "sourceUrl": "https://www.rbcwealthmanagement.com/en-uk/wealth-management", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:redmayne-bentley", "accountType": "investment-brokerage", "provider": "Redmayne Bentley", "providerUrl": "https://www.redmayne.co.uk/stockbroking/open-an-account", "verdict": "skip", "note": "Its own forms require you to confirm that you are not a United States person as FATCA defines one, nor a Canadian resident, and state that the application cannot proceed if the box is not ticked. The account opening page adds that the process is for UK residents only.", "confidence": "high", "source": "Redmayne Bentley portfolio authorisation form and account opening pages, 2026-08-17", "sourceUrl": "https://www.redmayne.co.uk/stockbroking/open-an-account", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:revolut-trading", "accountType": "investment-brokerage", "provider": "Revolut UK", "providerUrl": "https://www.revolut.com/stocks/", "verdict": "skip", "note": "Revolut closes both doors and its own wording spells out the trap: trading entities outside the US cannot serve US persons living outside the US, and only its US entity may serve US persons, who must be living in the US. Note this is Revolut's trading arm; its everyday and savings accounts are a separate matter.", "confidence": "high", "source": "Revolut help centre, trading accounts and US persons, 2026-08-17", "sourceUrl": "https://help.revolut.com/help/wealth/stocks/licences-regulations/can-i-have-a-trading-account-if-im-a-us-person/", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:robinhood-uk", "accountType": "investment-brokerage", "provider": "Robinhood UK", "providerUrl": "https://robinhood.com/gb/en/", "verdict": "skip", "note": "The cleanest double trap on this site. The UK agreement makes you represent for the life of the account that you are not a US person as the Internal Revenue Code defines one, while the US arm requires a legal US residential address, so an American who has moved to Britain is locked out at both ends by design. Note also that the UK brokerage assets are not FSCS protected: they sit with Robinhood Securities in the US under SIPC.", "confidence": "high", "source": "Robinhood UK customer agreement, 2026-08-17", "sourceUrl": "https://cdn.robinhood.com/assets/robinhood/legal/Customer_Agreement_(UK).pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:saxo-uk", "accountType": "investment-brokerage", "provider": "Saxo UK", "providerUrl": "https://www.home.saxo/en-gb/accounts", "verdict": "skip", "note": "Saxo will not take you. Its UK help centre says it cannot offer services to anyone classified as a US person, and expressly includes dual citizens living outside the US. The only route back in it names is a certificate of loss of nationality.", "confidence": "high", "source": "Saxo UK help centre, can a US person have an account, 2026-08-17", "sourceUrl": "https://www.help.saxo/hc/en-gb/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:spreadex", "accountType": "investment-brokerage", "provider": "Spreadex", "providerUrl": "https://www.spreadex.com/financials/", "verdict": "skip", "note": "Another firm that never gives you the share. Spreadex offers spread bets, contracts for difference and options, and confirms you do not own shares when you take a spread bet, with no voting rights passed on. Its customer agreement never mentions US citizens, and its only US rule bites if you move to the States rather than if you are American here.", "confidence": "high", "source": "Spreadex customer agreement and shares FAQs, 2026-08-17", "sourceUrl": "https://www.spreadex.com/financials/markets/shares/shares-faqs/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:stake", "accountType": "investment-brokerage", "provider": "Stake", "providerUrl": "https://hellostake.com/uk", "verdict": "skip", "note": "Stake closed its UK operation on 15 November 2024 and moved eligible accounts to Freetrade, so there is nothing to open. Worth knowing where those customers landed, because Freetrade bars US persons under FATCA, so anyone transferred across ended up somewhere that will not keep them. Note also that Stake never held your assets under the FSCS: custody sat with DriveWealth in the US under SIPC.", "confidence": "high", "source": "Stake UK closure announcement, 14 November 2024, read 2026-08-17", "sourceUrl": "https://hellostake.com/uk/blog/stake-updates/stake-uk-closure", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:trade-republic", "accountType": "investment-brokerage", "provider": "Trade Republic", "providerUrl": "https://traderepublic.com/", "verdict": "skip", "note": "Two reasons this is not available to you. Trade Republic says plainly that US persons cannot open an account and that it does not accept US citizens or US taxable persons, and separately it is not FCA authorised and does not serve the UK, so there is no UK account to apply for. Cash sits under the German deposit guarantee rather than the FSCS.", "confidence": "high", "source": "Trade Republic support, US account eligibility, 2026-08-17", "sourceUrl": "https://support.traderepublic.com/en-gr/729-Can-I-open-an-account-if-I-m-from-the-United-States", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:trading-212", "accountType": "investment-brokerage", "provider": "Trading 212", "providerUrl": "https://www.trading212.com/", "verdict": "skip", "note": "The Invest account is the one outside a wrapper, and the bar is set at platform level rather than per product. Trading 212 does not offer accounts to US persons, and defines those to include US citizens, anyone born in the States, green card holders and anyone with US tax obligations.", "confidence": "high", "source": "Trading 212 help centre, identity and tax details at setup, 2026-08-17", "sourceUrl": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:true-potential", "accountType": "investment-brokerage", "provider": "True Potential", "providerUrl": "https://www.truepotential.co.uk/investments/general-investment-account/", "verdict": "skip", "note": "To open one you must be resident in the UK and not be a United States person or citizen. Its definition is the widest on this page, catching anyone born in the United States, Puerto Rico, Guam or the US Virgin Islands, and anyone with a US citizen parent. The account holds only True Potential's own funds, so it would be no use even without the bar.", "confidence": "high", "source": "True Potential ISA, JISA and GIA terms, 2026-08-17", "sourceUrl": "https://www.truepotential.co.uk/investments/general-investment-account/", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:vanguard-uk", "accountType": "investment-brokerage", "provider": "Vanguard UK", "providerUrl": "https://www.vanguardinvestor.co.uk/what-we-offer/general-account/general-account", "verdict": "skip", "note": "The terms say the accounts and funds are not available to US persons, and define one to include any US citizen and any US passport holder whatever their residence. The help pages repeat it in plain words.", "confidence": "high", "source": "Vanguard UK client terms, August 2026", "sourceUrl": "https://www.vanguardinvestor.co.uk/content/dam/intl/uk-retail-direct/documents/terms-conditions.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:wealthify", "accountType": "investment-brokerage", "provider": "Wealthify", "providerUrl": "https://www.wealthify.com/general-investment-account", "verdict": "skip", "note": "The general account test starts as residence, being over 18 and living in the UK or the Channel Islands, and then adds a nationality test in the same breath: you must not be a US passport holder. A later clause lets Wealthify end the agreement if you stop meeting those conditions after opening.", "confidence": "high", "source": "Wealthify investment terms clause 2.1, June 2025, read 2026-08-17", "sourceUrl": "https://www.wealthify.com/general-investment-account", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:willis-owen", "accountType": "investment-brokerage", "provider": "Willis Owen", "providerUrl": "https://www.willisowen.co.uk/gia/", "verdict": "skip", "note": "The broadest shelf of this group, taking funds, shares, investment trusts and ETFs, and the application stops a US citizen dead: you must confirm that you are a UK resident and not a US person. So the direct shares that would have solved the PFIC problem stay out of reach. Note it has been part of the Moneyfarm group since December 2024, which also declines US persons.", "confidence": "high", "source": "Willis Owen general investment account application, 2026-08-17", "sourceUrl": "https://www.willisowen.co.uk/gia/apply-for-a-gia", "lastChecked": "2026-08-17" }, { "id": "us-person:investment-brokerage:wombat", "accountType": "investment-brokerage", "provider": "Wombat Invest (now Quilter Invest)", "providerUrl": "https://www.quilterinvest.com/", "verdict": "skip", "note": "There is no Wombat account to open. Quilter bought the app in 2024, it became NuWealth that June and Quilter Invest in October 2025. The successor does run a general investment account, and its terms require that you are not a US person on an ongoing basis, with a duty to tell them immediately if that changes.", "confidence": "high", "source": "Quilter Invest app terms and conditions, 2026-08-17", "sourceUrl": "https://www.quilterinvest.com/site-terms/terms-and-conditions-app", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:investment-brokerage:xtb", "accountType": "investment-brokerage", "provider": "XTB", "providerUrl": "https://www.xtb.com/en/account-and-fees", "verdict": "opens", "note": "Forty pages of UK terms with no US person bar anywhere, and its FATCA clause runs the other way, acknowledging that XTB must report US reportable persons, which presupposes such clients are on its books. That is better evidence than silence. UK residence and UK tax residence are still required, and XTB is a contracts for difference house that added real share dealing, so check you are opening the investment account.", "confidence": "medium", "source": "XTB UK terms of business, 2026-08-17", "sourceUrl": "https://www.xtb.com/en/account-and-fees", "lastChecked": "2026-08-17", "usCondition": "make sure you open the investment account rather than a leveraged one" }, { "id": "us-person:mortgage:aib-ni", "accountType": "mortgage", "provider": "AIB (NI), formerly Allied Irish Bank (GB)", "providerUrl": "https://www.aibni.co.uk/our-products/mortgages", "verdict": "with-strings", "note": "Allied Irish Bank (GB) no longer writes new mortgages and sends new applicants to AIB (NI), which is the same legal entity under one licence. It publishes no nationality or visa rule at all. Three published rules do the work instead: on a property in England, Scotland or Wales the minimum loan is £150,000 and applications are taken from PAYE employees only, and income in a non-sterling currency is excluded entirely rather than discounted.", "confidence": "high", "source": "AIB (NI) mortgage pages and general information sheet, 2026-08-17", "sourceUrl": "https://www.aibni.co.uk/our-products/mortgages", "lastChecked": "2026-08-17", "usCondition": "no dollar income at all, and £150,000 minimum plus PAYE employment outside Northern Ireland" }, { "id": "us-person:mortgage:al-rayan", "accountType": "mortgage", "provider": "Al Rayan Bank", "providerUrl": "https://www.alrayanbank.co.uk/premier/home-finance/premier-home-finance", "verdict": "skip", "note": "Al Rayan has stopped selling home purchase plans to ordinary UK residents, and its home finance pages now serve existing customers. The one product still open to new business is premier home finance, for applicants from Qatar, Saudi Arabia, Kuwait, Bahrain or Oman, so someone living here is outside it whatever their passport.", "confidence": "high", "source": "Al Rayan premier home finance page, 2026-08-17", "sourceUrl": "https://www.alrayanbank.co.uk/premier/home-finance/premier-home-finance", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:aldermore", "accountType": "mortgage", "provider": "Aldermore", "providerUrl": "https://www.aldermore.co.uk/intermediaries/residential-mortgages/", "verdict": "with-strings", "note": "No nationality bar, and no visa route either. Aldermore wants two years of UK residency and indefinite leave to remain, and states that work eVisas are not acceptable as confirmation of residency, which closes the skilled worker door outright. Income in a foreign currency is refused, and an asset held in one cannot even be used to repay an interest only loan.", "confidence": "high", "source": "Aldermore residential criteria, July 2026, read 2026-08-17", "sourceUrl": "https://www.aldermore.co.uk/media/5rwlkece/residential_criteria.pdf", "lastChecked": "2026-08-17", "usCondition": "indefinite leave to remain, because a work eVisa is not accepted as proof of residency" }, { "id": "us-person:mortgage:april", "accountType": "mortgage", "provider": "April Mortgages", "providerUrl": "https://aprilmortgages.co.uk/", "verdict": "with-strings", "note": "A flat no for as long as you are on a visa, and April says so in its own criteria: skilled worker, investor and family visas are each marked unacceptable. Once settled status comes through, its very long fixes open on ordinary terms, and the rate steps down as the balance falls. Sterling income only.", "confidence": "high", "source": "April Mortgages broker criteria, 2026-08-17", "sourceUrl": "https://aprilmortgages.co.uk/broker/criteria-rates/criteria/", "lastChecked": "2026-08-17", "usCondition": "indefinite leave to remain, since no visa case is considered at all" }, { "id": "us-person:mortgage:arbuthnot-latham", "accountType": "mortgage", "provider": "Arbuthnot Latham", "providerUrl": "https://www.arbuthnotlatham.co.uk/private-banking/borrowing", "verdict": "with-strings", "note": "The best answer here for someone paid in dollars, because Arbuthnot Latham writes currency mortgages in US dollars and euros secured on UK property, which puts the loan in the same currency as the income rather than across the exchange rate from it. The price of entry is size: lending starts at £500,000 and new clients bring at least £750,000 in deposits, investments or borrowing.", "confidence": "high", "source": "Arbuthnot Latham borrowing pages and product summary, 2026-08-17", "sourceUrl": "https://www.arbuthnotlatham.co.uk/private-banking/borrowing", "lastChecked": "2026-08-17", "usCondition": "a minimum loan of £500,000 and a £750,000 banking relationship" }, { "id": "us-person:mortgage:atom-bank", "accountType": "mortgage", "provider": "Atom Bank", "providerUrl": "https://www.atombank.co.uk/mortgages/", "verdict": "with-strings", "note": "Atom requires three years of UK residence and unrestricted rights to live and work, which a sponsored skilled worker visa does not give you, so in practice this is an indefinite leave lender. It will count overseas work only where the pay lands in a UK account in sterling.", "confidence": "high", "source": "Atom Bank intermediaries residential lending criteria, 2026-08-17", "sourceUrl": "https://www.atombank.co.uk/intermediaries/residential/lending-criteria/", "lastChecked": "2026-08-17", "usCondition": "three years here and unrestricted rights to live and work, so indefinite leave in practice" }, { "id": "us-person:mortgage:bank-of-china-uk", "accountType": "mortgage", "provider": "Bank of China (UK)", "providerUrl": "https://www.bankofchina.com/uk/pbservice/pb2/", "verdict": "skip", "note": "Two mortgage products remain, a lifetime tracker and a three year fix, and both are for business buy to let. There is no owner occupier product, so nothing here for a home you live in, whatever your nationality.", "confidence": "high", "source": "Bank of China UK mortgage product pages, 2026-08-17", "sourceUrl": "https://www.bankofchina.com/uk/pbservice/pb2/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:bank-of-ireland-uk", "accountType": "mortgage", "provider": "Bank of Ireland UK", "providerUrl": "https://www.bankofirelanduk.com/mortgages/mortgage-overview/", "verdict": "with-strings", "note": "No nationality bar, and three gates that bite in order: new mortgages are for Northern Ireland property only, household income must be at least £20,000 and paid in sterling, and it wants three years of UK residence though less can be considered. With indefinite leave or naturalisation you can borrow to the full loan to value; on limited leave it takes skilled worker, global talent, innovator and ancestral visas and stops at 90%.", "confidence": "high", "source": "Bank of Ireland UK mortgage criteria and rates, 2026-08-17", "sourceUrl": "https://www.bankofirelanduk.com/mortgages/mortgage-overview/", "lastChecked": "2026-08-17", "usCondition": "Northern Ireland property only, and household income must be in sterling" }, { "id": "us-person:mortgage:bank-of-scotland", "accountType": "mortgage", "provider": "Bank of Scotland", "providerUrl": "https://www.bankofscotland.co.uk/mortgages.html", "verdict": "opens", "note": "Bank of Scotland says openly that it offers mortgages provided by Halifax, publishes no rate table of its own and sends you to the Halifax site to get an agreement in principle. Its only published eligibility line is that you must be a UK resident or have full rights to reside. Everything else, including the dollar income haircut, is the group criteria in the Halifax row.", "confidence": "high", "source": "Bank of Scotland mortgage pages and FAQs, 2026-08-17", "sourceUrl": "https://www.bankofscotland.co.uk/mortgages.html", "lastChecked": "2026-08-17", "usCondition": "it sells Halifax mortgages, so it is not a separate application" }, { "id": "us-person:mortgage:barclays", "accountType": "mortgage", "provider": "Barclays", "providerUrl": "https://intermediaries.uk.barclays/home/lending-criteria/residential/", "verdict": "with-strings", "note": "Barclays assesses time in the UK and right to reside and never nationality, so being American is not itself the issue. It publishes no foreign currency income policy, and its checks want three months of payslips showing salary paid into your own UK account, so dollar pay is the likely sticking point.", "confidence": "medium", "source": "Barclays intermediary residential criteria, 2026-08-17", "sourceUrl": "https://intermediaries.uk.barclays/home/lending-criteria/residential/", "lastChecked": "2026-08-31", "usCondition": "salary must land in a UK account, and under a year here means 75% loan to value" }, { "id": "us-person:mortgage:bath-bs", "accountType": "mortgage", "provider": "Bath Building Society", "providerUrl": "https://www.bathbuildingsociety.co.uk/intermediaries/browse-general-information/residential-lending-criteria/", "verdict": "with-strings", "note": "Bath says it plainly: without indefinite leave to remain there is no mortgage, and a salary in a foreign currency is not accepted either. It wants three years of UK address history and underwrites by hand. Despite the name it lends across England, Wales, mainland Scotland, Orkney and Shetland, though not Northern Ireland.", "confidence": "high", "source": "Bath Building Society residential lending criteria, 2026-08-17", "sourceUrl": "https://www.bathbuildingsociety.co.uk/intermediaries/browse-general-information/residential-lending-criteria/", "lastChecked": "2026-08-17", "usCondition": "indefinite leave to remain and three years here, with no foreign currency income" }, { "id": "us-person:mortgage:bluestone", "accountType": "mortgage", "provider": "Bluestone Mortgages", "providerUrl": "https://bluestonemortgages.co.uk/", "verdict": "opens", "note": "The best answer here for a thin UK credit file, because Bluestone does not credit score at all and judges each case on its own circumstances. It takes a skilled worker or health and care visa after one year in the UK with six months left to run, and steps the loan to value up as you serve time: 80% at one year, 85% at two, 90% at three. It says nothing about foreign currency income, so confirm dollar pay before relying on it.", "confidence": "medium", "source": "Bluestone residential product guide, July 2026, read 2026-08-17", "sourceUrl": "https://bluestonemortgages.co.uk/wp-content/uploads/2026/07/Residential_Product_Guide.pdf", "lastChecked": "2026-08-17", "usCondition": "a skilled worker visa, one year here, and £50,000 income" }, { "id": "us-person:mortgage:clydesdale", "accountType": "mortgage", "provider": "Clydesdale Bank", "providerUrl": "https://www.clydesdaleforintermediaries.co.uk/", "verdict": "skip", "note": "Nothing to apply for, and this is not about being American. Clydesdale no longer lends to new customers and handles only product transfers for existing ones, having moved new residential lending to Nationwide after Nationwide acquired Virgin Money. Anyone pointed this way should read the Nationwide row.", "confidence": "high", "source": "Clydesdale for intermediaries, residential criteria, 2026-08-17", "sourceUrl": "https://www.clydesdaleforintermediaries.co.uk/lending-criteria/residential/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:coutts", "accountType": "mortgage", "provider": "Coutts", "providerUrl": "https://www.coutts.com/private-banking/lending/mortgages/residential-mortgages.html", "verdict": "with-strings", "note": "Coutts sets no citizenship bar and says it can assess income across a broad range of currencies, so the gate is size rather than your passport. Its criteria put the minimum loan for new clients above £1,500,000, which rules out most first purchases.", "confidence": "high", "source": "Coutts intermediary mortgage criteria and rate sheet, 31 July 2026, read 2026-08-17", "sourceUrl": "https://www.coutts.com/intermediary-partners/mortgages.html", "lastChecked": "2026-08-17", "usCondition": "a minimum loan above £1,500,000 for new clients" }, { "id": "us-person:mortgage:coventry", "accountType": "mortgage", "provider": "Coventry Building Society", "providerUrl": "https://www.coventryforintermediaries.co.uk/mortgages/residential.html", "verdict": "with-strings", "note": "No nationality bar anywhere in the criteria. Coventry asks foreign nationals for indefinite leave to remain or right of abode, two years of UK residency and employment, and three years of address history, and it will not count income paid in a foreign currency for new borrowing.", "confidence": "high", "source": "Coventry for intermediaries residential criteria, 2026-08-17", "sourceUrl": "https://www.coventryforintermediaries.co.uk/criteria/residential-criteria.html", "lastChecked": "2026-08-17", "usCondition": "indefinite leave to remain, two years here, and sterling income" }, { "id": "us-person:mortgage:cumberland", "accountType": "mortgage", "provider": "Cumberland Building Society", "providerUrl": "https://www.cumberland.co.uk/mortgages", "verdict": "with-strings", "note": "Citizenship is never mentioned, and Cumberland will consider non-UK nationals who live and work here, pay UK tax and hold a permanent right of residency. Note a change worth knowing: its June 2026 criteria dropped the foreign currency section that used to accept dollar income at a 20% discount, so treat non-sterling income as unsupported.", "confidence": "medium", "source": "Cumberland intermediary residential criteria guide, June 2026, read 2026-08-17", "sourceUrl": "https://www.cumberland.co.uk/mortgages", "lastChecked": "2026-08-17", "usCondition": "a permanent right of residency, and lending mostly near its branches" }, { "id": "us-person:mortgage:danske-uk", "accountType": "mortgage", "provider": "Danske Bank UK", "providerUrl": "https://danskebank.co.uk/personal/products/mortgages", "verdict": "with-strings", "note": "Danske accepts a US citizen only with indefinite leave to remain, or a permanent right to reside that is not tied to a job, which rules out a skilled worker visa in terms. It lends on Northern Ireland property direct and on English property through brokers, and lends in sterling against sterling income only.", "confidence": "high", "source": "Danske Bank UK intermediary lending criteria, 2026-08-17", "sourceUrl": "https://danskebank.co.uk/intermediaries/ni/lending-criteria/customer", "lastChecked": "2026-08-31", "usCondition": "indefinite leave to remain, because a work visa is refused outright" }, { "id": "us-person:mortgage:family-bs", "accountType": "mortgage", "provider": "Family Building Society", "providerUrl": "https://intermediaries.familybuildingsociety.co.uk/products/owner-occupier/oo-expat-mortgages", "verdict": "with-strings", "note": "The only lender on this page that will underwrite a US dollar salary for someone living in the UK, and the United States sits on its accepted country list. The terms are harsh and worth reading twice: indefinite leave to remain, interest only, variable rate only, 80% loan to value, a sterling UK asset as the repayment vehicle, and your income converted at the lowest exchange rate of the past ten years.", "confidence": "high", "source": "Family Building Society owner occupier lending criteria and expat range, 2026-08-17", "sourceUrl": "https://intermediaries.familybuildingsociety.co.uk/products/owner-occupier/oo-expat-mortgages", "lastChecked": "2026-08-31", "usCondition": "the only lender here that takes dollar pay, at the worst exchange rate of the last decade" }, { "id": "us-person:mortgage:furness", "accountType": "mortgage", "provider": "Furness Building Society", "providerUrl": "https://www.furnessbs.co.uk/intermediaries/lending-criteria", "verdict": "with-strings", "note": "One of only two lenders here that lends in mainland Scotland, which matters if the job is in Edinburgh or Glasgow. It takes health and care, spousal and sponsored skilled worker visas to 90% loan to value after twelve months here, with no minimum time left on the visa. Its published list is silent on Global Talent and on indefinite leave to remain, so anything outside those routes needs a call first.", "confidence": "high", "source": "Furness Building Society intermediary lending criteria, 2026-08-17", "sourceUrl": "https://www.furnessbs.co.uk/intermediaries/lending-criteria", "lastChecked": "2026-08-17", "usCondition": "twelve months here, and only sponsored or spousal visa routes are named" }, { "id": "us-person:mortgage:gatehouse", "accountType": "mortgage", "provider": "Gatehouse Bank", "providerUrl": "https://gatehousebank.com/", "verdict": "with-strings", "note": "One of only two lenders on this page that counts a US dollar salary at full value, since Gatehouse puts the United States on its zero haircut list, and it asks for only six months of UK residence. Read what you are buying, though: this is a home purchase plan rather than a mortgage, meaning the bank co-owns the property and you pay rent on its share alongside payments to buy it out. How the IRS treats that structure is genuinely debated among practitioners, so put it to a US adviser before you sign.", "confidence": "high", "source": "Gatehouse Bank intermediaries criteria and home purchase plan guide, 2026-08-17", "sourceUrl": "https://gatehousebank.com/intermediaries/criteria", "lastChecked": "2026-08-17", "usCondition": "a home purchase plan rather than a mortgage, and 90% until you have indefinite leave" }, { "id": "us-person:mortgage:gen-h", "accountType": "mortgage", "provider": "Gen H", "providerUrl": "https://www.generationhome.com/", "verdict": "with-strings", "note": "Unusually open on immigration: Gen H keeps no list of acceptable visas, sets no minimum time in the UK and asks only that the visa is valid to completion. What it wants instead is two years of UK credit history measured from your oldest account, which is the thing a recent arrival does not have. Foreign currency income is refused.", "confidence": "high", "source": "Gen H intermediaries, foreign nationals criteria, 2026-08-17", "sourceUrl": "https://intermediaries.generationhome.com/criteria/foreign-nationals", "lastChecked": "2026-08-31", "usCondition": "two years of UK credit history, and no dollar income" }, { "id": "us-person:mortgage:habib-bank-zurich", "accountType": "mortgage", "provider": "Habib Bank Zurich", "providerUrl": "https://habibbank.com/gb/our-services/intermediaries/", "verdict": "skip", "note": "Habib Bank Zurich finances income generating property, conventionally or through its sharia range, and says plainly that it does not process regulated transactions under either. A mortgage on your own home is a regulated transaction, so this door is closed by design rather than by anything about your passport.", "confidence": "high", "source": "Habib Bank Zurich intermediaries page, 2026-08-17", "sourceUrl": "https://habibbank.com/gb/our-services/intermediaries/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:halifax", "accountType": "mortgage", "provider": "Halifax", "providerUrl": "https://www.halifax-intermediaries.co.uk/criteria.html", "verdict": "opens", "note": "The most permissive high street lender here on immigration, and it is worth reading the exact wording: once you meet its residency test there is no requirement to hold a particular type of visa, and no minimum validity left on it. That test is permanent right to reside, or five years in the UK, or one year on £50,000 income alone or £75,000 jointly, which reaches 95% loan to value. Fail all three and you are held to 75%. It takes a dollar salary with a fifth knocked off. Note this is Bank of Scotland plc trading as Halifax, the same book that writes new Lloyds mortgages, so the three brands are one chance rather than three.", "confidence": "high", "source": "Halifax Intermediaries lending criteria, non-UK nationals and non-sterling income, 2026-08-17", "sourceUrl": "https://www.halifax-intermediaries.co.uk/criteria.html", "lastChecked": "2026-08-17", "usCondition": "dollar income accepted with a 20% haircut, and no visa type is specified at all" }, { "id": "us-person:mortgage:handelsbanken", "accountType": "mortgage", "provider": "Handelsbanken", "providerUrl": "https://www.handelsbanken.co.uk/en/individual/mortgages", "verdict": "with-strings", "note": "Handelsbanken lends to UK residents aged 18 or over and says nothing whatever about nationality or foreign currency income, so US citizenship is not a published barrier. The real constraint is that nothing is published at all and every decision is made by a local branch, so you cannot know where you stand without a conversation.", "confidence": "medium", "source": "Handelsbanken UK mortgages page, 2026-08-17", "sourceUrl": "https://www.handelsbanken.co.uk/en/individual/mortgages", "lastChecked": "2026-08-17", "usCondition": "nothing is published, every case is underwritten in branch" }, { "id": "us-person:mortgage:hinckley-rugby", "accountType": "mortgage", "provider": "Hinckley and Rugby Building Society", "providerUrl": "https://intermediaries.hrbs.co.uk/criteria/skilled-worker-visas/", "verdict": "opens", "note": "The most open lender here for someone who has only just landed. No minimum time in the UK, no minimum term left on the visa, and lending to 95% loan to value, dropping to 90% under a year here. It names Global Talent, which most lenders leave off, and single applicants need £41,700 income unless they work for the NHS, a private hospital or in teaching, where there is no minimum. It lends in England, Scotland and Wales.", "confidence": "high", "source": "Hinckley and Rugby intermediaries, skilled worker visa criteria, 2026-08-17", "sourceUrl": "https://intermediaries.hrbs.co.uk/criteria/skilled-worker-visas/", "lastChecked": "2026-08-17" }, { "id": "us-person:mortgage:hsbc", "accountType": "mortgage", "provider": "HSBC UK", "providerUrl": "https://intermediaries.hsbc.co.uk/criteria/", "verdict": "opens", "note": "The only lender on this page with a written US persons policy, and it is worth reading before you assume the worst: it covers marketing preferences, drawing the money into a UK account, and not consolidating US debt. The United States is an approved country for income, so dollar salary counts, with a haircut. Without indefinite leave you need twelve months here or £75,000 income, and stop at 85% loan to value.", "confidence": "high", "source": "HSBC intermediary criteria, 2026-08-17", "sourceUrl": "https://intermediaries.hsbc.co.uk/criteria/", "lastChecked": "2026-08-31", "usCondition": "a written US persons policy, but an administrative one rather than a refusal" }, { "id": "us-person:mortgage:icici-uk", "accountType": "mortgage", "provider": "ICICI Bank UK", "providerUrl": "https://www.icicibank.co.uk/personal/nri-services/homeloan", "verdict": "skip", "note": "ICICI Bank UK does not lend on UK homes to individuals at all. What it calls a home loan is for property in India, arranged with ICICI Bank India, and its own UK property lending is commercial.", "confidence": "high", "source": "ICICI Bank UK home loan page, 2026-08-17", "sourceUrl": "https://www.icicibank.co.uk/personal/nri-services/homeloan", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:investec", "accountType": "mortgage", "provider": "Investec", "providerUrl": "https://www.investec.com/en_gb/individuals/personal-finance/mortgages/residential-mortgages.html", "verdict": "with-strings", "note": "Investec screens on wealth rather than nationality, and will consider income and assets held outside sterling, including bonuses and carried interest. The catch for a dollar earner is that it lends in sterling only, so the currency risk stays with you.", "confidence": "medium", "source": "Investec private client mortgage pages, 2026-08-17", "sourceUrl": "https://www.investec.com/en_gb/individuals/personal-finance/mortgages.html", "lastChecked": "2026-08-17", "usCondition": "income of £300,000 a year and net worth of £3,000,000" }, { "id": "us-person:mortgage:kensington", "accountType": "mortgage", "provider": "Kensington Mortgages", "providerUrl": "https://www.kensingtonmortgages.co.uk/", "verdict": "with-strings", "note": "Kensington requires applicants to be UK residents and taxpayers paid in sterling, with two years of UK residency and settled status. There is one visa carve out: more than two years left on a skilled worker visa, two years in the same job and income above £75,000 gets you to 70% loan to value. Dollar salary is the hard stop rather than the passport.", "confidence": "high", "source": "Kensington lending exclusions and residential product guide, 2026-08-17", "sourceUrl": "https://www.kensingtonmortgages.co.uk/", "lastChecked": "2026-08-17", "usCondition": "sterling pay, two years here, and settled status or a narrow 70% visa route" }, { "id": "us-person:mortgage:kent-reliance", "accountType": "mortgage", "provider": "Kent Reliance", "providerUrl": "https://www.kentrelianceforintermediaries.co.uk/", "verdict": "skip", "note": "Nothing to apply for. Kent Reliance withdrew all residential and buy to let products on 17 December 2025, and its owner OSB Group moved residential lending to Precise. Existing borrowers can still switch products. Anyone pointed this way should read the Precise row instead.", "confidence": "high", "source": "Kent Reliance for intermediaries, 2026-08-17", "sourceUrl": "https://www.kentrelianceforintermediaries.co.uk/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:kfh-uk", "accountType": "mortgage", "provider": "Kuwait Finance House PLC, formerly Ahli United Bank UK", "providerUrl": "https://www.uk.kfh.com/ijarah-home-purchase-plan/", "verdict": "with-strings", "note": "Rebranded from Ahli United Bank UK after the Kuwait Finance House takeover, and still writing owner occupier home finance, but as a private bank. It considers earnings in sterling and in foreign currency, so dollar income counts, and it sets no nationality bar. The gates are size and postcode: £250,000 minimum, 70% maximum, and property in London, the Home Counties, Manchester or Milton Keynes. As with all sharia home finance, take the US tax treatment to an adviser rather than assuming it.", "confidence": "medium", "source": "KFH PLC Ijarah home purchase plan product guide, 2026-08-17", "sourceUrl": "https://www.uk.kfh.com/ijarah-home-purchase-plan/", "lastChecked": "2026-08-17", "usCondition": "a £250,000 floor, a 70% ceiling, and only certain postcodes" }, { "id": "us-person:mortgage:leeds", "accountType": "mortgage", "provider": "Leeds Building Society", "providerUrl": "https://www.leedsbuildingsociety.co.uk/mortgages/", "verdict": "with-strings", "note": "Nationality is not the test. Leeds asks non-UK citizens for indefinite leave to remain or a right to reside, wants the permanent right evidenced for non-EU nationals, and requires two years living here with all income paid in sterling and taxed in the UK.", "confidence": "high", "source": "Leeds mortgage lending criteria and guidance, 2026-08-17", "sourceUrl": "https://www.leedsbuildingsociety.co.uk/_resources/pdfs/intermediaries-pdfs/mortgage-lending-criteria-and-guidance.pdf", "lastChecked": "2026-08-17", "usCondition": "indefinite leave to remain, two years here, and sterling income taxed in the UK" }, { "id": "us-person:mortgage:lloyds", "accountType": "mortgage", "provider": "Lloyds Bank", "providerUrl": "https://www.lloydsbank.com/mortgages.html", "verdict": "opens", "note": "Read this row and the Halifax one as one lender. Lloyds says on its own rates page that new Lloyds mortgages are provided by Bank of Scotland plc, and the products match Halifax exactly, down to the rate and the fee. Lloyds publishes no nationality, visa or foreign currency rule of its own, so the terms that apply are the group criteria in the Halifax row: a dollar salary taken with a fifth off, and no particular visa type required once you pass the residency test.", "confidence": "high", "source": "Lloyds mortgage rates page and Halifax Intermediaries criteria, 2026-08-17", "sourceUrl": "https://www.lloydsbank.com/mortgages/mortgage-rates.html", "lastChecked": "2026-08-17", "usCondition": "the same book as Halifax, so applying to both is one application" }, { "id": "us-person:mortgage:marsden", "accountType": "mortgage", "provider": "Marsden Building Society", "providerUrl": "https://www.marsdenintermediaries.co.uk/criteria/residential", "verdict": "with-strings", "note": "Marsden underwrites by hand and does not credit score, which helps a thin UK file, but its residential range still stops at indefinite leave to remain or an EU settlement status a US citizen cannot hold. The skilled worker route it does run sits on its expat range, which is built for people living overseas rather than here.", "confidence": "medium", "source": "Marsden intermediaries residential criteria, 2026-08-17", "sourceUrl": "https://www.marsdenintermediaries.co.uk/criteria/residential", "lastChecked": "2026-08-17", "usCondition": "indefinite leave to remain, since a work visa does not clear the residential range" }, { "id": "us-person:mortgage:metro-bank", "accountType": "mortgage", "provider": "Metro Bank", "providerUrl": "https://www.metrobankonline.co.uk/mortgages/products/residential-mortgages/", "verdict": "with-strings", "note": "Metro Bank never mentions citizenship, so the barrier is your visa and your pay packet rather than your passport. Its criteria require permanent rights to reside in the UK and state that foreign currency income is not accepted, and holders of a skilled worker or family visa are capped at 75% loan to value.", "confidence": "high", "source": "Metro Bank residential mortgage lending criteria and product range, 2026-08-17", "sourceUrl": "https://www.metrobankonline.co.uk/globalassets/documents/customer_documents/personal/residential-mortgage-lending-criteria.pdf", "lastChecked": "2026-08-31", "usCondition": "income paid in dollars is not accepted, and you need permanent rights to reside" }, { "id": "us-person:mortgage:molo", "accountType": "mortgage", "provider": "Molo Finance", "providerUrl": "https://molofinance.com/", "verdict": "skip", "note": "Not a nationality bar, but Molo asks for the permanent right to reside and work, which a sponsored visa does not give you. Its live proposition is buy to let, and the residential guide it still publishes is dated 2022, so no current rate for a home can be recorded.", "confidence": "medium", "source": "Molo residential eligibility, 2026-08-17", "sourceUrl": "https://molofinance.com/mortgage/buy-a-home/eligibility/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:mpowered", "accountType": "mortgage", "provider": "MPowered Mortgages", "providerUrl": "https://www.mpoweredmortgages.com/", "verdict": "with-strings", "note": "MPowered dropped both the minimum income and the minimum time in the UK, which is rare, and replaced them with a step: under two years here you stop at 75% loan to value, and at two years you reach 90%. It runs a closed list of acceptable visas and names student and ancestral routes as refused, so anyone here to study is out.", "confidence": "high", "source": "MPowered residency criteria, 2026-08-17", "sourceUrl": "https://help.mpowered.co.uk/learn/residency", "lastChecked": "2026-08-17", "usCondition": "held to 75% loan to value until you have been here two years" }, { "id": "us-person:mortgage:nationwide", "accountType": "mortgage", "provider": "Nationwide", "providerUrl": "https://www.nationwide-intermediary.co.uk/lending-criteria", "verdict": "with-strings", "note": "Nationwide never asks about citizenship, and then closes two doors anyway. It refuses foreign currency income outright and wants salary paid into a UK account in sterling, and it requires a full three years of UK address history, which rules out anyone recently arrived.", "confidence": "high", "source": "Nationwide for intermediaries borrower types criteria, 2026-08-17", "sourceUrl": "https://www.nationwide-intermediary.co.uk/lending-criteria/borrower-types", "lastChecked": "2026-08-17", "usCondition": "three years of UK address history, and no foreign currency income at all" }, { "id": "us-person:mortgage:natwest", "accountType": "mortgage", "provider": "NatWest", "providerUrl": "https://www.intermediary.natwest.com/intermediary-solutions/lending-criteria.html", "verdict": "opens", "note": "The best of the high street for someone paid in dollars, and for someone who has just landed. NatWest lists United States Dollar among its accepted currencies and counts it at the full converted amount with no haircut, and it states plainly that there is no minimum time in the UK. Without permanent right to reside you are held to 75% loan to value on a repayment basis.", "confidence": "high", "source": "NatWest intermediary lending criteria, 2026-08-17", "sourceUrl": "https://www.intermediary.natwest.com/intermediary-solutions/lending-criteria.html", "lastChecked": "2026-08-31", "usCondition": "capped at 75% loan to value until you have indefinite leave to remain" }, { "id": "us-person:mortgage:newcastle", "accountType": "mortgage", "provider": "Newcastle Building Society", "providerUrl": "https://www.newcastle.co.uk/mortgages", "verdict": "with-strings", "note": "Citizenship is not the test, but the deposit is. Non-EEA applicants are held to 80% loan to value unless an underwriter agrees otherwise, need two years living here and either indefinite leave to remain or a skilled worker visa with three months to run, and a salary paid in any currency other than sterling is refused.", "confidence": "high", "source": "Newcastle residential lending policy, 2026-08-17", "sourceUrl": "https://newcastle.co.uk/mortgages/calculators-and-help/residential-lending-policy", "lastChecked": "2026-08-17", "usCondition": "held to 80% loan to value without indefinite leave, and no dollar salary" }, { "id": "us-person:mortgage:nottingham", "accountType": "mortgage", "provider": "Nottingham Building Society", "providerUrl": "https://www.thenottingham.com/intermediaries/propositions/foreign-nationals", "verdict": "opens", "note": "The most useful lender here for someone who has just arrived. Nottingham runs a separate foreign national range with no minimum time in the UK and no minimum term left on a visa, and it will match a United States credit file to reach 90% loan to value where a newcomer with no UK data is held to 75%. Two catches: the specialist range prices higher than its standard one, which a visa holder cannot use, and only sterling income counts.", "confidence": "high", "source": "Nottingham foreign nationals criteria, 2026-08-17", "sourceUrl": "https://www.thenottingham.com/intermediaries/propositions/foreign-nationals", "lastChecked": "2026-08-17", "usCondition": "the foreign national range only, and no dollar income at all" }, { "id": "us-person:mortgage:pepper-money", "accountType": "mortgage", "provider": "Pepper Money", "providerUrl": "https://www.pepper.money/broker/criteria-guides/mortgage-criteria/", "verdict": "with-strings", "note": "A shut door for an American buying alone on a visa, because Pepper requires that one applicant holds indefinite leave to remain. Buying jointly with a settled partner works, and the visa then needs twelve months left. It also wants three years of UK address history, two years of UK employment, and refuses foreign currency income outright.", "confidence": "high", "source": "Pepper Money mortgage criteria guide, February 2026, read 2026-08-17", "sourceUrl": "https://www.pepper.money/broker/criteria-guides/mortgage-criteria/", "lastChecked": "2026-08-31", "usCondition": "one applicant must hold indefinite leave, so you cannot buy alone on a visa" }, { "id": "us-person:mortgage:perenna", "accountType": "mortgage", "provider": "Perenna", "providerUrl": "https://www.perenna.com/", "verdict": "with-strings", "note": "Perenna will lend to 95% without indefinite leave to remain, which almost nobody else does, if the main applicant is on a skilled worker visa earning £50,000 with eighteen months in the UK. Its speciality is very long fixed rates, up to thirty years, where the early repayment charge bites only on refinancing rather than on selling. Everyone on the application must be paid in sterling.", "confidence": "high", "source": "Perenna intermediary lending criteria, 2026-08-17", "sourceUrl": "https://intermediary.perenna.com/lending-criteria", "lastChecked": "2026-08-17", "usCondition": "a skilled worker visa with £50,000 income, eighteen months here, and sterling pay" }, { "id": "us-person:mortgage:precise", "accountType": "mortgage", "provider": "Precise Mortgages", "providerUrl": "https://www.precisemortgages.co.uk/intermediaries/criteria/residential", "verdict": "with-strings", "note": "The least welcoming lender on this page and the only one that sorts applicants by nationality group. A US citizen is a non-EEA national, which Precise says is not normally acceptable, considered only as a referral with three years of UK residency and credit data. Every visa is answered with a flat no, and applicants paid in a foreign currency are refused.", "confidence": "high", "source": "Precise residential criteria, 2026-08-17", "sourceUrl": "https://www.precisemortgages.co.uk/intermediaries/criteria/residential", "lastChecked": "2026-08-17", "usCondition": "treated as a referral rather than a yes, and every visa route is refused" }, { "id": "us-person:mortgage:principality", "accountType": "mortgage", "provider": "Principality Building Society", "providerUrl": "https://www.principality.co.uk/home/mortgages", "verdict": "with-strings", "note": "Citizenship is not the barrier. A non-EEA national needs indefinite leave to remain or more than twelve months left on a visa, plus two years of UK address history, and only sterling income subject to UK tax is counted.", "confidence": "high", "source": "Principality residential lending criteria, 2026-08-17", "sourceUrl": "https://www.principality.co.uk/intermediaries/our-mortgage-lending-criteria/residential-mortgages", "lastChecked": "2026-08-17", "usCondition": "two years of UK address history and a visa with twelve months to run" }, { "id": "us-person:mortgage:rbs", "accountType": "mortgage", "provider": "Royal Bank of Scotland", "providerUrl": "https://www.rbs.co.uk/mortgages.html", "verdict": "with-strings", "note": "Read this row and the NatWest one as one lender. RBS and NatWest are in the same group and publish identical products and rates, so applying to both is one application dressed as two. The terms are NatWest's: no minimum time in the UK, dollar income counted in full with no haircut, and 75% loan to value on repayment only until you hold permanent right to reside.", "confidence": "high", "source": "NatWest Group intermediary lending criteria, 2026-08-17", "sourceUrl": "https://www.intermediary.natwest.com/lending-criteria.html", "lastChecked": "2026-08-31", "usCondition": "held to 75% loan to value without indefinite leave, and it is the same book as NatWest" }, { "id": "us-person:mortgage:saffron", "accountType": "mortgage", "provider": "Saffron Building Society", "providerUrl": "https://www.saffronforintermediaries.co.uk/lending-criteria", "verdict": "with-strings", "note": "One of the few lenders that names Global Talent outright, which matters if you came in on that route rather than through a sponsor. It wants two years of UK residence but sets no minimum term left on the visa, and above 75% loan to value it wants £75,000 of income. Only sterling counts, so dollar pay is out.", "confidence": "high", "source": "Saffron for intermediaries lending criteria, 2026-08-17", "sourceUrl": "https://www.saffronforintermediaries.co.uk/lending-criteria", "lastChecked": "2026-08-17", "usCondition": "two years here, sterling income only, and £75,000 to pass 75%" }, { "id": "us-person:mortgage:santander", "accountType": "mortgage", "provider": "Santander UK", "providerUrl": "https://www.santanderforintermediaries.co.uk/lending-criteria/residential-lending-criteria", "verdict": "opens", "note": "Nationality is not a bar and the only status Santander refuses is diplomatic immunity. It accepts a US dollar salary but discounts the sterling equivalent by a quarter, and above 75% loan to value it wants three months of UK bank statements showing the money landing here.", "confidence": "high", "source": "Santander for intermediaries residential lending criteria, 2026-08-17", "sourceUrl": "https://www.santanderforintermediaries.co.uk/residential-lending-criteria", "lastChecked": "2026-08-17", "usCondition": "dollar salary is discounted by 25%, and 90% needs income and a year here" }, { "id": "us-person:mortgage:skipton", "accountType": "mortgage", "provider": "Skipton Building Society", "providerUrl": "https://www.skipton.co.uk/mortgages", "verdict": "with-strings", "note": "Not to be confused with Skipton International, which lends only to people staying overseas. The society itself says visa holders are generally acceptable, asking for a year of UK residency, a year left on the visa, income of £40,000 alone or £60,000 jointly, and all of it received in sterling.", "confidence": "high", "source": "Skipton intermediaries A to Z residential lending criteria, 2026-08-17", "sourceUrl": "https://www.skipton-intermediaries.co.uk/criteria/a-z-lending-criteria/a-z-lending-criteria-residential", "lastChecked": "2026-08-17", "usCondition": "one year in the UK, a year left on the visa, and £40,000 of sterling income" }, { "id": "us-person:mortgage:skipton-international", "accountType": "mortgage", "provider": "Skipton International", "providerUrl": "https://www.skiptoninternational.com/expat-mortgage-broker/key-criteria/", "verdict": "skip", "note": "Named constantly as the expat lender, and the wrong shape for this audience twice over. Its criteria require each applicant to remain resident overseas with no plan to move to the UK, and the UK range is buy-to-let investment property rather than a home you live in.", "confidence": "high", "source": "Skipton International expat mortgage key criteria, 2026-08-17", "sourceUrl": "https://www.skiptoninternational.com/expat-mortgage-broker/key-criteria/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:sbi-uk", "accountType": "mortgage", "provider": "State Bank of India UK", "providerUrl": "https://sbiuk.statebank/borrowing1", "verdict": "skip", "note": "SBI UK lends through intermediaries on buy to let and commercial property. Its personal borrowing pages offer business loans and buy to let, so there is no owner occupier mortgage to apply for.", "confidence": "high", "source": "SBI UK borrowing pages, 2026-08-17", "sourceUrl": "https://sbiuk.statebank/borrowing1", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:suffolk", "accountType": "mortgage", "provider": "Suffolk Building Society", "providerUrl": "https://www.suffolkbuildingsociety.co.uk/blog/foreign-nationals-mortgage/", "verdict": "with-strings", "note": "Suffolk gates on what you do rather than where you are from. You need twelve months living and working here, a visa with a year left, and a job in education, healthcare, finance, IT, law or science research, or a professional role in marketing, energy or construction. The rule that bites hardest is the deposit: at least 10%, and none of it can be a gift.", "confidence": "high", "source": "Suffolk Building Society foreign nationals criteria, 2026-08-17", "sourceUrl": "https://www.suffolkbuildingsociety.co.uk/blog/foreign-nationals-mortgage/", "lastChecked": "2026-08-17", "usCondition": "twelve months here, an approved profession, and a 10% deposit that cannot be gifted" }, { "id": "us-person:mortgage:tandem", "accountType": "mortgage", "provider": "Tandem Bank", "providerUrl": "https://www.tandem.co.uk/borrow/mortgages", "verdict": "skip", "note": "Nothing to apply for, whatever your nationality. Tandem is no longer accepting new applications for first charge mortgages and says so on its own page. Existing borrowers are still serviced.", "confidence": "high", "source": "Tandem Bank mortgages page, 2026-08-17", "sourceUrl": "https://www.tandem.co.uk/borrow/mortgages", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:mortgage:co-operative-bank", "accountType": "mortgage", "provider": "The Co-operative Bank", "providerUrl": "https://www.co-operativebank.co.uk/mortgages/", "verdict": "with-strings", "note": "The Platform brand has been folded into the Co-operative Bank for intermediaries, so they are one lender rather than two. It asks a non-UK national for three years lived in the UK and proof of indefinite leave to remain, and requires all income to be in sterling where you are new to the bank.", "confidence": "high", "source": "Co-operative Bank intermediary lending criteria, version 4.15, 2026-08-17", "sourceUrl": "https://www.intermediary.co-operativebank.co.uk/lending-criteria/", "lastChecked": "2026-08-17", "usCondition": "three years here plus indefinite leave, and sterling income if you are new to the bank" }, { "id": "us-person:mortgage:together", "accountType": "mortgage", "provider": "Together", "providerUrl": "https://togethermoney.com/", "verdict": "with-strings", "note": "Together requires permanent right to reside, sterling pay into a UK bank account and three years of address history, and refers anyone on a visa to an underwriter. Its credit tolerance is genuine, using a demerit system rather than a score, but that is aimed at damaged files rather than empty ones, so it does little for a recent arrival. The rates are much higher than the high street.", "confidence": "high", "source": "Together personal finance lending criteria, 2026-08-17", "sourceUrl": "https://togethermoney.com/intermediaries/lending-criteria/personal-finance-lending-criteria", "lastChecked": "2026-08-17", "usCondition": "permanent right to reside, sterling pay into a UK account, three years of address history" }, { "id": "us-person:mortgage:tsb", "accountType": "mortgage", "provider": "TSB", "providerUrl": "https://intermediary.tsb.co.uk/criteria/residential-criteria/foreign-nationals/", "verdict": "with-strings", "note": "Citizenship is irrelevant to TSB but its visa list is the tightest here, and student and working holiday visas are refused outright. It publishes no foreign currency income policy, so assume dollar pay needs checking before you apply.", "confidence": "high", "source": "TSB intermediary foreign nationals criteria, 2026-08-17", "sourceUrl": "https://intermediary.tsb.co.uk/criteria/residential-criteria/foreign-nationals/", "lastChecked": "2026-08-17", "usCondition": "twelve months here, eighteen months left on an accepted visa" }, { "id": "us-person:mortgage:vida", "accountType": "mortgage", "provider": "Vida Homeloans", "providerUrl": "https://www.vidahomeloans.co.uk/intermediaries/lending-criteria", "verdict": "opens", "note": "The most open lender on this page for someone on a visa, and the only one anywhere that sets no minimum time remaining on it. A skilled worker visa puts you on the foreign national range, which reaches 90% loan to value on £50,000 income alone or £70,000 jointly, with 5% of the deposit from your own funds. The condition that bites is currency: pay in dollars is refused.", "confidence": "high", "source": "Vida intermediaries lending criteria and residential rate sheet, 2026-08-17", "sourceUrl": "https://www.vidahomeloans.co.uk/intermediaries/lending-criteria", "lastChecked": "2026-08-17", "usCondition": "salary must be in sterling, and a visa puts you on the foreign national range" }, { "id": "us-person:mortgage:virgin-money", "accountType": "mortgage", "provider": "Virgin Money", "providerUrl": "https://intermediaries.virginmoney.com/lending-criteria/residential/foreign-nationals/", "verdict": "with-strings", "note": "Virgin Money does not differentiate by nationality and still has no route for a US citizen on a work visa, because the only statuses it accepts are permanent right to reside or EU settlement. It refuses all non-sterling income, including dollars already converted into pounds. Note that Virgin Money is now part of Nationwide, which refuses foreign currency income too, so the two are not separate chances.", "confidence": "high", "source": "Virgin Money intermediaries foreign nationals criteria, 2026-08-17", "sourceUrl": "https://intermediaries.virginmoney.com/lending-criteria/residential/foreign-nationals/", "lastChecked": "2026-08-17", "usCondition": "needs indefinite leave to remain, three years of address history and sterling pay" }, { "id": "us-person:mortgage:weatherbys", "accountType": "mortgage", "provider": "Weatherbys Private Bank", "providerUrl": "https://www.weatherbys.bank/private-bank/specialist-banking/us-citizen-services/", "verdict": "opens", "note": "The only lender on this page that names you outright. Weatherbys runs a team with experience supporting US citizens living and working in the UK, and will lend against a main home. It publishes no rates, no minimum loan and no maximum loan to value, and says it does not rely on credit scoring, so the terms only become real once you speak to a banker.", "confidence": "medium", "source": "Weatherbys US citizen services page, 2026-08-17", "sourceUrl": "https://www.weatherbys.bank/private-bank/specialist-banking/us-citizen-services/", "lastChecked": "2026-08-17" }, { "id": "us-person:mortgage:west-brom", "accountType": "mortgage", "provider": "West Brom Building Society", "providerUrl": "https://intermediaries.westbrom.co.uk/", "verdict": "with-strings", "note": "A brand new range, launched on 17 August 2026 after a pilot, and every product in it is fee free. Skilled worker and health and care visas reach 90% loan to value. Two things will catch a US citizen: a flat three years of UK address history whatever the visa, and the absence of Global Talent from the accepted list.", "confidence": "high", "source": "West Brom intermediary lending and security policy, 2026-08-17", "sourceUrl": "https://intermediaries.westbrom.co.uk/", "lastChecked": "2026-08-17", "usCondition": "three years of UK address history, and Global Talent is not on the list" }, { "id": "us-person:mortgage:yorkshire", "accountType": "mortgage", "provider": "Yorkshire Building Society", "providerUrl": "https://www.ybs.co.uk/mortgages", "verdict": "with-strings", "note": "Citizenship is not a bar. Yorkshire accepts indefinite leave to remain, settled or pre-settled status, or a right to reside that a work visa satisfies. Through its broker arm Accord, an applicant without settled status is capped at 90% loan to value on income of at least £50,000, and 75% below that.", "confidence": "medium", "source": "YBS mortgage lending criteria, 2026-08-17", "sourceUrl": "https://www.ybs.co.uk/help/mortgages/mortgage-lending-criteria.html", "lastChecked": "2026-08-17", "usCondition": "right to reside, and the loan to value tiers on your income without settled status" }, { "id": "us-person:multi-currency-account:barclays", "accountType": "multi-currency-account", "provider": "Barclays", "providerUrl": "https://www.barclays.co.uk/current-accounts/", "verdict": "with-strings", "note": "You can hold euros or dollars beside sterling, but only if you are UK resident, 18 or over, and have held an active Barclays sterling current account for at least six months, and you open it by phone or in branch. Neither account pays interest and the exchange margin is not published.", "confidence": "high", "source": "Barclays international account tariff, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:multi-currency-account:charles-schwab-hyic", "accountType": "multi-currency-account", "provider": "Charles Schwab (High-Yield Investor Checking)", "providerUrl": "https://www.schwab.com/checking", "verdict": "with-strings", "note": "Now sold as Schwab Bank Investor Checking, it holds dollars only, and every account holder must give a US mailing address. Whether that rules you out depends on your own circumstances rather than your citizenship: plenty of Americans in the UK keep a genuine US address, and plenty do not. It charges no foreign transaction fee and rebates cash machine fees worldwide, so it is worth keeping if you already hold one.", "confidence": "high", "source": "Schwab Bank Investor Checking, 2026-08-17", "lastChecked": "2026-06-27", "usCondition": "needs a US mailing address, so it turns on whether you kept one" }, { "id": "us-person:multi-currency-account:hsbc-expat", "accountType": "multi-currency-account", "provider": "HSBC Expat", "providerUrl": "https://www.expat.hsbc.com/international-banking/products/bank-account/", "verdict": "with-strings", "note": "The account is booked in Jersey with HSBC Bank plc, so protection is the Jersey depositors scheme at £50,000 rather than the £120,000 you get from a UK bank. You need £75,000 in savings or investments to qualify, or £10,000 if you are already HSBC Premier elsewhere, and falling below costs £50 a month.", "confidence": "medium", "source": "HSBC Expat bank account, 2026-08-17", "lastChecked": "2026-06-27", "usCondition": "its investing arm is closed to US persons, though the bank account itself is not" }, { "id": "us-person:multi-currency-account:lloyds-bank-international", "accountType": "multi-currency-account", "provider": "Lloyds Bank International", "providerUrl": "https://www.lloydsbank.com/international/products-and-services/current-accounts/international-classic-account.html", "verdict": "with-strings", "note": "Lloyds Bank UK has no personal currency account, so the multi-currency route is Lloyds Bank International in Jersey, where cover is the Jersey scheme at £50,000 rather than FSCS. UK residents are eligible and citizenship is not a bar.", "confidence": "medium", "source": "Lloyds Bank International classic account, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:multi-currency-account:revolut", "accountType": "multi-currency-account", "provider": "Revolut UK", "providerUrl": "https://www.revolut.com/our-pricing-plans/", "verdict": "opens", "note": "Revolut holds UK personal accounts through Revolut Bank UK, so deposits are FSCS-protected and there is no minimum balance. A US person can earn the savings interest, because that sits as a deposit with ClearBank, but Revolut cannot offer trading or its money market funds to US persons.", "confidence": "medium", "source": "Revolut standard fees and savings pages, 2026-08-17", "lastChecked": "2026-06-27", "usCondition": "trading and the Flexible Cash Funds are closed to US persons" }, { "id": "us-person:multi-currency-account:starling-bank", "accountType": "multi-currency-account", "provider": "Starling Bank", "providerUrl": "https://www.starlingbank.com/current-account/euro-bank-account/", "verdict": "with-strings", "note": "Opens to any UK resident on identical terms, and citizenship makes no difference. The catch for an American is that personal customers can only add euros: the dollar account is business only and is not taking applications.", "confidence": "high", "source": "Starling euro account, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:multi-currency-account:wise", "accountType": "multi-currency-account", "provider": "Wise", "providerUrl": "https://wise.com/gb/multi-currency-account/", "verdict": "opens", "note": "Opens to a US citizen living in the UK on the usual tax self-certification, with no minimum balance, and it is the cheapest way to hold and move both currencies. Wise is an electronic money institution, so your balance is safeguarded rather than FSCS-protected, and it earns nothing because the fund partner behind its interest feature cannot onboard US citizens.", "confidence": "high", "source": "Wise Interest and Stocks eligibility, 2026-08-17", "lastChecked": "2026-06-27", "usInterestEligible": false }, { "id": "us-person:savings-account:al-rayan-bank", "accountType": "savings-account", "provider": "Al Rayan Bank", "providerUrl": "https://www.alrayanbank.co.uk/savings", "verdict": "opens", "note": "Al Rayan sets no nationality condition on savings, so US citizenship is a reporting matter rather than a bar. It is Sharia compliant, so every figure here is an expected profit rate rather than guaranteed interest; the rate is a target the bank expects to pay, not a promise. The US still taxes what you receive as ordinary income.", "confidence": "medium", "source": "Al Rayan Bank savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:aldermore", "accountType": "savings-account", "provider": "Aldermore", "providerUrl": "https://www.aldermore.co.uk/savings-accounts/personal-savings-accounts/", "verdict": "skip", "note": "Aldermore requires you to be resident and tax resident only in the UK, and states its accounts cannot be held by US persons, a definition that includes US citizens. That is an explicit bar, not a paperwork step.", "confidence": "high", "source": "Aldermore easy access savings terms, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:allied-irish-bank-gb", "accountType": "savings-account", "provider": "Allied Irish Bank (GB)", "providerUrl": "https://www.aibgb.co.uk/personal-banking/savings-and-deposits", "verdict": "opens", "note": "The savings side sets no nationality condition: you must be a UK resident aged 18 or over, and the only tax step is the standard self-certification. New customers are limited to the Fixed Rate Saver, because the easy access and notice range is closed to new applicants. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Allied Irish Bank (GB) savings and deposits, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:arbuthnot-latham", "accountType": "savings-account", "provider": "Arbuthnot Latham", "providerUrl": "https://www.arbuthnotlatham.co.uk/private-banking/savings-accounts", "verdict": "opens", "note": "Arbuthnot Latham is the only private bank here whose savings are open to new clients rather than existing ones only, and it publishes every rate. The catch is the entry price rather than your citizenship. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Arbuthnot Latham savings rates, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:atom", "accountType": "savings-account", "provider": "Atom Bank", "providerUrl": "https://www.atombank.co.uk/savings/instant-saver/", "verdict": "opens", "note": "Atom opens its app-based savers to any UK resident aged 18 or over, with no US-person bar in the terms, and reports interest to HMRC and overseas tax authorities as required. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Atom bank Instant Saver terms, 2026-05-19", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:bank-of-ireland-uk", "accountType": "savings-account", "provider": "Bank of Ireland UK", "providerUrl": "https://www.bankofirelanduk.com/personal/savings/", "verdict": "opens", "note": "Savings are open to personal customers resident anywhere in the UK, with no citizenship test and no sole-tax-residency wording. The FSCS limit is shared with Post Office Money, which Bank of Ireland provides. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Bank of Ireland UK savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:bank-of-scotland", "accountType": "savings-account", "provider": "Bank of Scotland", "providerUrl": "https://www.bankofscotland.co.uk/savings.html", "verdict": "opens", "note": "The stated test is being 16 or over and resident in the UK, so US citizenship is no bar and there is no sole-tax-residency wording. The FSCS limit is shared with Halifax, so money at both is covered once, not twice. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Bank of Scotland savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:barclays", "accountType": "savings-account", "provider": "Barclays", "providerUrl": "https://www.barclays.co.uk/savings/instant-access/everyday-saver/", "verdict": "opens", "note": "Barclays sets savings eligibility at 16 or over and UK resident, with no sole-tax-residency test and no US-person exclusion; its own help pages say a US person simply supplies a US taxpayer identification number for reporting. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Barclays savings and FATCA help pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:c-hoare-co", "accountType": "savings-account", "provider": "C. Hoare & Co", "providerUrl": "https://www.hoaresbank.co.uk/personal-deposit-account-services", "verdict": "opens", "note": "C. Hoare & Co publishes a full personal deposit rate sheet, so there is no guesswork, but every savings account is open only to customers who already hold a current account with the bank. The US taxes the interest as ordinary income.", "confidence": "high", "source": "C. Hoare & Co personal deposit rates, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:charter-savings", "accountType": "savings-account", "provider": "Charter Savings Bank", "providerUrl": "https://www.chartersavingsbank.co.uk/Products/EasyAccess", "verdict": "opens", "note": "Charter opens savings to anyone 18 or over resident in the UK, with no sole-tax-residency wording and no US-person bar; its FATCA form asks whether you are a US citizen and collects a taxpayer identification number, so US citizens are handled rather than turned away. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Charter Savings Bank rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:chase", "accountType": "savings-account", "provider": "Chase UK", "providerUrl": "https://www.chase.co.uk/gb/en/saver-boosted/", "verdict": "with-strings", "note": "Chase opens its saver to a UK-resident US person but may follow up for more information after your tax self-certification, and you must be UK resident only; the pot sits behind a Chase current account. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Chase UK, confirming your tax residence, 2026-08-09", "lastChecked": "2026-08-09", "usCondition": "expect follow-up questions after your tax self-certification" }, { "id": "us-person:savings-account:chip", "accountType": "savings-account", "provider": "Chip", "providerUrl": "https://www.getchip.uk/savings-accounts/easy-access-saver", "verdict": "opens", "note": "Chip opens its savings accounts to any UK tax resident aged 18 or over, with no US-person bar; the 'tax only in the UK' rule that blocks its cash ISA does not apply here. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Chip Instant Access savings, 2026-08-09", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:close-brothers", "accountType": "savings-account", "provider": "Close Brothers Savings", "providerUrl": "https://www.closesavings.co.uk/personal/savings-accounts", "verdict": "opens", "note": "Open to anyone 18 or over resident in the UK, with no sole-tax-residency condition and no US-person bar; accounts are opened online. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Close Brothers Savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:coutts", "accountType": "savings-account", "provider": "Coutts", "providerUrl": "https://www.coutts.com/private-banking/savings.html", "verdict": "opens", "note": "Coutts publishes full savings rates, but every savings account requires a Coutts current account in the same currency, so you need the private banking relationship first and its £3 million entry test applies. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Coutts rates and prices, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:coventry-bs", "accountType": "savings-account", "provider": "Coventry Building Society", "providerUrl": "https://www.coventrybuildingsociety.co.uk/member/savings/all-savings.html", "verdict": "opens", "note": "Opens to UK residents with the usual tax residency and taxpayer identification questions; Coventry's own help pages confirm it holds accounts for US citizens and reports them, and there is no sole-tax-residency wording. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Coventry Building Society savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:cumberland-building-society", "accountType": "savings-account", "provider": "Cumberland Building Society", "providerUrl": "https://www.cumberland.co.uk/savings", "verdict": "opens", "note": "Nothing in the Cumberland savings rules excludes a US citizen or asks for tax residency in one country only. The bar is geography: new customers must live in its operating area. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Cumberland Building Society savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:cynergy", "accountType": "savings-account", "provider": "Cynergy Bank", "providerUrl": "https://www.cynergybank.co.uk/personal/savings", "verdict": "opens", "note": "Open to anyone 18 or over who is a UK resident for tax purposes, with no requirement to be tax resident only in the UK. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Cynergy Bank savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:danske-bank-uk", "accountType": "savings-account", "provider": "Danske Bank UK", "providerUrl": "https://danskebank.co.uk/personal/products/savings", "verdict": "opens", "note": "Savings eligibility turns on residence rather than citizenship, with nothing excluding US persons. The catch is geographic: new customers must live in Northern Ireland, though existing customers can be anywhere in the UK. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Danske Bank UK savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:first-direct", "accountType": "savings-account", "provider": "First Direct", "providerUrl": "https://www.firstdirect.com/savings/products/", "verdict": "opens", "note": "The only stated tests are UK residence and holding a First Direct 1st Account, with nothing about citizenship or tax residency elsewhere. Every savings product is closed to non-customers, so the current account has to come first. The US taxes the interest as ordinary income.", "confidence": "high", "source": "First Direct savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:ford-money", "accountType": "savings-account", "provider": "Ford Money", "providerUrl": "https://www.fordmoney.co.uk/all-products/", "verdict": "with-strings", "note": "Ford Money states plainly that a US citizen in the UK can apply, which few providers do, provided you make a FATCA declaration and give a taxpayer identification number. It asks non-UK tax residents to contact it so the right declaration form can be sent, so expect one step more than the usual tick box. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Ford Money product pages, 2026-08-17", "lastChecked": "2026-08-17", "usCondition": "contact them so the right FATCA declaration form can be sent" }, { "id": "us-person:savings-account:halifax", "accountType": "savings-account", "provider": "Halifax", "providerUrl": "https://www.halifax.co.uk/savings.html", "verdict": "opens", "note": "Halifax asks only that you are 16 or over and resident in the UK, with no sole-tax-residency wording and no US-person bar; most accounts open without a Halifax current account. Note the FSCS limit is shared with Bank of Scotland, so holding money at both does not double your cover. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Halifax savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:hampden-co", "accountType": "savings-account", "provider": "Hampden & Co", "providerUrl": "https://hampdenandco.com/deposits", "verdict": "opens", "note": "Hampden publishes an indicative sterling deposit rate sheet and says your banker confirms the final rate. Its terms require a Hampden current account to open any deposit account, so this is for clients rather than the public. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Hampden & Co deposit rates, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:handelsbanken-uk", "accountType": "savings-account", "provider": "Handelsbanken UK", "providerUrl": "https://www.handelsbanken.co.uk/en/individual/savings", "verdict": "opens", "note": "Handelsbanken publishes no savings rates at all: its own site says it does not list product rates and that branches agree terms with each customer, so its notice account page tells you to ask your account manager. You also need a Handelsbanken current account first, which means the rate cannot be compared before you have the relationship. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Handelsbanken savings, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:hbl-bank-uk", "accountType": "savings-account", "provider": "HBL Bank UK", "providerUrl": "https://hblbankuk.com/personal/", "verdict": "opens", "note": "HBL sets no nationality condition on savings: you need to be 18 or over, pass its checks and apply in branch. Its fixed term deposits need an existing HBL account and the rates are quoted on request rather than published. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "HBL Bank UK savings fact sheet, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:hsbc-online-bonus-saver", "accountType": "savings-account", "provider": "HSBC", "providerUrl": "https://www.hsbc.co.uk/savings/products/online-bonus-saver/", "verdict": "with-strings", "note": "HSBC opens its savers to a US person, but you need an existing HSBC UK account and must apply by phone rather than online because you hold more than one tax residency. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "HSBC UK, Online Bonus Saver, 2026-08-09", "lastChecked": "2026-08-31", "usCondition": "apply by phone, not online, and you need an existing HSBC account" }, { "id": "us-person:savings-account:investec-save", "accountType": "savings-account", "provider": "Investec Save", "providerUrl": "https://www.investec.com/en_gb/individuals/savings-accounts/online-savings-accounts.html", "verdict": "opens", "note": "Published eligibility is a UK address and phone, a UK bank account and UK photo ID, with no sole-tax-residency condition; expect a minimum deposit around £5,000. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Investec savings rates, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:kent-reliance", "accountType": "savings-account", "provider": "Kent Reliance", "providerUrl": "https://www.kentreliance.co.uk/products/savings", "verdict": "opens", "note": "Kent Reliance asks only that you are 18 or over and reside in the UK, with no sole-tax-residency condition and no US-person exclusion in its savings conditions. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Kent Reliance savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:kroo", "accountType": "savings-account", "provider": "Kroo", "providerUrl": "https://www.kroo.com/current-account", "verdict": "opens", "note": "Kroo has no standalone savings account: interest is paid on the current account balance and on pots, and the only residency test is that you live in the UK, Isle of Man or Channel Islands. Its terms ask about US-person status for reporting rather than as an exclusion. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Kroo current account pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:leeds-bs", "accountType": "savings-account", "provider": "Leeds Building Society", "providerUrl": "https://www.leedsbuildingsociety.co.uk/savings/", "verdict": "opens", "note": "Opens to UK residents aged 18 or over, with routine reporting questions covering tax residency and US citizenship; some accounts are branch or post only, so pick an online saver to apply from home. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Leeds Building Society savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:lloyds", "accountType": "savings-account", "provider": "Lloyds Bank", "providerUrl": "https://www.lloydsbank.com/savings/easy-saver.html", "verdict": "opens", "note": "Lloyds asks only that you are 16 or over and a UK resident, with no sole-tax-residency condition and nothing in its published eligibility excluding US citizens. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Lloyds Bank easy saver, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:marcus", "accountType": "savings-account", "provider": "Marcus by Goldman Sachs", "providerUrl": "https://www.marcus.co.uk", "verdict": "skip", "note": "Marcus declines anyone who is a US tax resident, since it cannot meet the US reporting that would follow, so a US person is turned away at application.", "confidence": "high", "source": "Marcus by Goldman Sachs, opening an account, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:savings-account:metro-bank", "accountType": "savings-account", "provider": "Metro Bank", "providerUrl": "https://www.metrobankonline.co.uk/savings/", "verdict": "opens", "note": "Metro Bank's instant access savings asks only that you are 16 or over and resident in the UK, with no Metro current account required; its account-opening guidance expects some applicants to be tax resident elsewhere as well as the UK, and nothing published rules out US persons. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Metro Bank savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:moneybox", "accountType": "savings-account", "provider": "Moneybox", "providerUrl": "https://www.moneyboxapp.com/savings/", "verdict": "skip", "note": "Moneybox requires that you are not a US person, defined to include US citizens, dual citizens and anyone who pays tax in the US, and that bar covers its cash savings range rather than the cash ISA alone.", "confidence": "high", "source": "Moneybox support, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:monzo", "accountType": "savings-account", "provider": "Monzo", "providerUrl": "https://monzo.com/savings-isas/savings", "verdict": "opens", "note": "Monzo's savings pot terms set no residency or tax-residency test; you need a Monzo current account before any pot, which applies to everyone. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Monzo savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:nationwide", "accountType": "savings-account", "provider": "Nationwide Building Society", "providerUrl": "https://www.nationwide.co.uk/savings/instant-access-saver", "verdict": "opens", "note": "Nationwide requires you to be 16 or over and a UK resident, and its savings declaration sets no tax-residency condition beyond asking about your tax position. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Nationwide savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:natwest", "accountType": "savings-account", "provider": "NatWest", "providerUrl": "https://www.natwest.com/savings.html", "verdict": "opens", "note": "NatWest opens adult savings to anyone over 16 who is a UK resident, with no US-person bar; its cash ISA, Digital Regular Saver and Flexible Saver are limited to existing NatWest current account customers. The US taxes the interest as ordinary income.", "confidence": "high", "source": "NatWest savings and tax residency pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:nottingham-bs", "accountType": "savings-account", "provider": "Nottingham Building Society", "providerUrl": "https://www.thenottingham.com/savings/compare-savings-accounts", "verdict": "opens", "note": "Opens to UK residents who are UK tax resident, applying online or in branch; the published eligibility carries no sole-tax-residency wording and no US-person bar. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Nottingham Building Society savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:nsi", "accountType": "savings-account", "provider": "NS&I", "providerUrl": "https://www.nsandi.com/products/direct-saver", "verdict": "opens", "note": "NS&I is backed by HM Treasury, and a UK-resident US person can hold Direct Saver or Income Bonds provided you keep a UK sterling account. Avoid Premium Bonds: they pay prizes rather than interest, cannot be held while you are physically in the US, and the prizes are US-taxable. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "NS&I, using NS&I outside the UK, 2026-08-09", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:paragon", "accountType": "savings-account", "provider": "Paragon Bank", "providerUrl": "https://www.paragonbank.co.uk/savings/savings-accounts", "verdict": "opens", "note": "Paragon asks that you are 18 or over and resident in the UK for tax purposes, with no requirement to be tax resident nowhere else; its terms tell a US person to confirm that status on the application, which is routine reporting rather than a bar. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Paragon Bank savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:plum", "accountType": "savings-account", "provider": "Plum", "providerUrl": "https://withplum.com/", "verdict": "skip", "note": "Plum's terms say you must not be a US citizen, resident or green-card holder, and must not be subject to US taxation; that eligibility clause governs every Plum product.", "confidence": "high", "source": "Plum general terms, clause 4.3.3, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:post-office", "accountType": "savings-account", "provider": "Post Office Money", "providerUrl": "https://www.postoffice.co.uk/savings-accounts", "verdict": "opens", "note": "Post Office savings are provided by Bank of Ireland (UK) and ask only that you are UK resident and resident in the UK for tax purposes, with no sole-residency wording; US citizens are treated as ordinary account holders whose details are collected under FATCA. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Post Office savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:principality-bs", "accountType": "savings-account", "provider": "Principality Building Society", "providerUrl": "https://www.principality.co.uk/home/savings/savings-accounts", "verdict": "opens", "note": "Opens to UK residents; its self-certification form asks whether you are a US citizen and records a non-UK tax residency alongside the UK rather than refusing it. Several products are branch or agency only. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Principality savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:raisin-uk", "accountType": "savings-account", "provider": "Raisin UK", "providerUrl": "https://www.raisin.com/en-gb/savings-accounts/", "verdict": "skip", "note": "Raisin UK requires sole UK tax residency to open its marketplace account, and that account is the gateway to every partner bank on its panel, so the whole platform is closed even where a partner bank would accept you directly.", "confidence": "high", "source": "Raisin UK terms and conditions, clause 2.3, 2026-04", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:revolut", "accountType": "savings-account", "provider": "Revolut UK", "providerUrl": "https://www.revolut.com/savings/open-a-savings-account/", "verdict": "skip", "note": "Revolut's instant access savings terms require you to be a UK tax resident and not a US person, so the savings product is closed to a US citizen even with a Revolut account in good standing. Revolut still opens its current account to US persons.", "confidence": "high", "source": "Revolut instant access savings (ClearBank) terms, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:santander", "accountType": "savings-account", "provider": "Santander UK", "providerUrl": "https://www.santander.co.uk/personal/savings-and-investments/savings/easy-access-saver", "verdict": "opens", "note": "Santander's terms require only that you are a UK resident, and handle non-UK tax obligations by reporting rather than refusing the account, with no sole-tax-residency condition. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Santander savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:shawbrook", "accountType": "savings-account", "provider": "Shawbrook Bank", "providerUrl": "https://www.shawbrook.co.uk/savings/", "verdict": "skip", "note": "Shawbrook requires applicants to be permanently resident in the UK and liable to pay tax only in the UK, so a second tax residency puts a US person outside its published criteria.", "confidence": "high", "source": "Shawbrook Bank, opening an account, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:skipton", "accountType": "savings-account", "provider": "Skipton Building Society", "providerUrl": "https://www.skipton.co.uk/savings", "verdict": "opens", "note": "Open to UK residents aged 16 or over, with no sole-tax-residency condition and no US-person bar; you can apply online, in branch, by post or by phone. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Skipton savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:starling", "accountType": "savings-account", "provider": "Starling Bank", "providerUrl": "https://www.starlingbank.com/savings/", "verdict": "opens", "note": "Starling's easy saver asks only that you are 18 or over and resident in the UK, with no US-person bar and no sole-tax-residency test. The saver sits inside the app, so you need a Starling current account first, which applies to everyone. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Starling savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:tandem", "accountType": "savings-account", "provider": "Tandem Bank", "providerUrl": "https://www.tandem.co.uk/save/instant-access-saver", "verdict": "opens", "note": "Tandem opens its savers to UK residents aged 18 or over who also hold a UK current account in their own name, with no US-person exclusion. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Tandem Bank savings FAQ, 2026-08-09", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:tesco-bank", "accountType": "savings-account", "provider": "Tesco Bank", "providerUrl": "https://www.tescobank.com/savings/", "verdict": "opens", "note": "Tesco Bank savings are now provided by Barclays trading as Tesco Bank and remain open to new applications, asking only that you are 18 or over, UK resident, and hold a UK current account, with no US-person bar. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "Tesco Bank savings rates, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:co-operative-bank", "accountType": "savings-account", "provider": "The Co-operative Bank", "providerUrl": "https://www.co-operativebank.co.uk/products/applications/savings/", "verdict": "opens", "note": "The Co-operative Bank asks only that you are 16 or over and a UK resident for most savings accounts, with no tax-residency condition attached; a few accounts are exclusive to its current account holders. The US taxes the interest as ordinary income.", "confidence": "medium", "source": "The Co-operative Bank savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:trading-212", "accountType": "savings-account", "provider": "Trading 212", "providerUrl": "https://www.trading212.com/", "verdict": "skip", "note": "Trading 212 does not offer accounts to US persons, defined to include US citizens, people born in the US, green-card holders and anyone with US tax obligations, and asks you to confirm this at sign-up.", "confidence": "high", "source": "Trading 212 help centre, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:triodos-bank-uk", "accountType": "savings-account", "provider": "Triodos Bank UK", "providerUrl": "https://www.triodos.co.uk/savings", "verdict": "opens", "note": "Triodos asks only that savers are UK residents aged 16 or over, and its own tax pages treat US citizenship as a reporting matter rather than a reason to refuse. Everything runs online, so there is no branch route. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Triodos Bank UK savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:tsb", "accountType": "savings-account", "provider": "TSB", "providerUrl": "https://www.tsb.co.uk/savings/", "verdict": "opens", "note": "TSB asks that you are 16 or over and a UK resident for most of its savings accounts, collecting tax residency and nationality for reporting rather than using them as a bar. The US taxes the interest as ordinary income.", "confidence": "high", "source": "TSB savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:ulster-bank", "accountType": "savings-account", "provider": "Ulster Bank", "providerUrl": "https://www.ulsterbank.co.uk/savings.html", "verdict": "opens", "note": "Eligibility is being 16 or over and a UK resident, with no citizenship or sole-tax-residency test. This is the Northern Ireland arm of NatWest Group, so the FSCS limit is shared with NatWest and branch service is Northern Ireland only. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Ulster Bank savings, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:united-trust", "accountType": "savings-account", "provider": "United Trust Bank", "providerUrl": "https://www.utbank.co.uk/deposits/personal/", "verdict": "opens", "note": "Personal applicants need to be 18 or over and permanently resident in the UK; the stricter tax-residency wording applies only to business accounts. Expect a minimum balance around £5,000. The US taxes the interest as ordinary income.", "confidence": "high", "source": "United Trust Bank personal deposits, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:virgin-money", "accountType": "savings-account", "provider": "Virgin Money", "providerUrl": "https://uk.virginmoney.com/savings", "verdict": "opens", "note": "Virgin Money opens online savings to UK residents aged 16 or over and treats non-UK tax residency as a self-certification and reporting matter, with no US-person exclusion in its published terms. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Virgin Money savings pages, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:weatherbys-bank", "accountType": "savings-account", "provider": "Weatherbys Bank", "providerUrl": "https://www.weatherbys.bank/private-bank/private-banking/deposit-accounts/", "verdict": "opens", "note": "Weatherbys publishes rates for all eighteen of its deposit accounts, unusually open for a private bank, though they are available to Weatherbys clients only. It is also the bank on this site with a named team for US citizens, so the relationship is the easiest here to start. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Weatherbys deposit accounts, 2026-08-17", "lastChecked": "2026-08-31" }, { "id": "us-person:savings-account:yorkshire-bs", "accountType": "savings-account", "provider": "Yorkshire Building Society", "providerUrl": "https://www.ybs.co.uk/savings", "verdict": "opens", "note": "The condition to open is simply that you are a UK resident, with no sole-tax-residency condition and no US-person restriction in the general savings terms. The US taxes the interest as ordinary income.", "confidence": "high", "source": "Yorkshire Building Society savings rates, 2026-08-17", "lastChecked": "2026-08-17" }, { "id": "us-person:savings-account:zopa", "accountType": "savings-account", "provider": "Zopa", "providerUrl": "https://www.zopa.com/savings", "verdict": "skip", "note": "Zopa requires sole UK tax residency and says applicants must not be a US citizen, so it will not open a savings account for a US person.", "confidence": "high", "source": "Zopa, 2026-08-09", "lastChecked": "2026-08-09" }, { "id": "us-person:sipp-pension:aegon", "accountType": "sipp-pension", "provider": "Aegon UK", "providerUrl": "https://www.aegon.co.uk/customer/products/individual-savings", "verdict": "skip", "note": "Two reasons this does not work. Aegon has no personal pension you can open yourself since Retiready closed to new business in December 2023, and what remains is adviser sold. Its SIPP key features then bar you anyway, saying you cannot apply if you are a US citizen or US taxpayer.", "confidence": "high", "source": "Aegon SIPP key features and individual savings pages, 2026-08-17", "sourceUrl": "https://www.aegon.co.uk/customer/products/individual-savings", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:sipp-pension:aj-bell-sipp", "accountType": "sipp-pension", "provider": "AJ Bell", "providerUrl": "https://www.ajbell.co.uk/pensions/sipp", "verdict": "opens", "note": "The SIPP terms exclude one nationality and it is not American: they bar Canadian citizens and Canadian tax residents. The same document bars US citizens from AJ Bell's ISA and dealing account, so the pension is deliberately the way in. No W-8BEN is needed for US shares, because the IRS treats the AJ Bell SIPP as a qualifying pension scheme.", "confidence": "high", "source": "AJ Bell terms and conditions, 2026-08-17", "sourceUrl": "https://www.ajbell.co.uk/sites/ajbell/files/Terms_and_conditions.pdf", "lastChecked": "2026-08-17", "usCondition": "the pension is open to you even though AJ Bell's ISA and dealing account are not" }, { "id": "us-person:sipp-pension:aviva", "accountType": "sipp-pension", "provider": "Aviva", "providerUrl": "https://www.aviva.co.uk/retirement/aviva-pension/", "verdict": "opens", "note": "Aviva publishes its eligibility test and citizenship is not in it: you must be 18 and resident in the UK. Its one US clause bites on residence rather than nationality, and only if you move to the States, at which point you are held to insured funds and cash.", "confidence": "medium", "source": "Aviva Pension terms and conditions, 2026-08-17", "sourceUrl": "https://static.aviva.io/content/dam/document-library/adviser/customerplatform/rd01003c.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:barnett-waddingham", "accountType": "sipp-pension", "provider": "Barnett Waddingham", "providerUrl": "https://www.barnett-waddingham.co.uk/barnett-waddingham-flexible-sipp/", "verdict": "opens", "note": "You can approach Barnett Waddingham yourself, and its key features say all UK residents are eligible with no nationality test. The catch is breadth rather than the door: apply without an adviser and you are held to a single portfolio with one discretionary manager from its panel.", "confidence": "medium", "source": "Barnett Waddingham Flexible SIPP key features and application, 2026-08-17", "sourceUrl": "https://www.barnett-waddingham.co.uk/barnett-waddingham-flexible-sipp/", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:bespoke-pension-services", "accountType": "sipp-pension", "provider": "Bespoke Pension Services", "providerUrl": "https://find-and-update.company-information.service.gov.uk/company/08002452", "verdict": "skip", "note": "There is no pension here to assess. The company is active and registered under activities auxiliary to pension funding, but it publishes no website, no product literature and no fee schedule, and no consumer facing SIPP could be traced to it.", "confidence": "medium", "source": "Companies House record for Bespoke Pension Services Limited, read 2026-08-17", "sourceUrl": "https://find-and-update.company-information.service.gov.uk/company/08002452", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:sipp-pension:bestinvest", "accountType": "sipp-pension", "provider": "Bestinvest", "providerUrl": "https://www.bestinvest.co.uk/sipps", "verdict": "skip", "note": "Bestinvest sets three conditions to open anything, including a SIPP: be 18, be a UK resident, and be a non-US citizen. The test is citizenship rather than residence, so living in the UK does not help.", "confidence": "high", "source": "Bestinvest eligibility page, 2026-08-17", "sourceUrl": "https://www.bestinvest.co.uk/help/eligibility", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:canaccord", "accountType": "sipp-pension", "provider": "Canaccord Wealth", "providerUrl": "https://www.canaccord-wealth.com/your-needs/investing-for-us-expats", "verdict": "opens", "note": "Canaccord names the pension as something a US expat can actually use, listing select UK pensions such as SIPPs among the things open to you, and it has said plainly elsewhere that it does not turn US citizens away. It qualifies the tax point honestly, noting that many practitioners treat a SIPP as treaty recognised but that treatment turns on circumstances.", "confidence": "medium", "source": "Canaccord Wealth, what US expats can invest in, 2026-08-17", "sourceUrl": "https://www.canaccord-wealth.com/insights/what-can-us-expats-invest-in", "lastChecked": "2026-08-17", "usCondition": "typically for clients with over £100,000 to invest" }, { "id": "us-person:sipp-pension:canada-life", "accountType": "sipp-pension", "provider": "Canada Life", "providerUrl": "https://www.canadalife.co.uk/retirement/", "verdict": "skip", "note": "Nothing to open. Canada Life closed its personal pension, The Retirement Account, to new business with immediate effect in January 2024, and its remaining retirement products are sold only through independent financial advisers.", "confidence": "high", "source": "Canada Life announcement on closing its personal pension to new business, 2026-08-17", "sourceUrl": "https://www.canadalife.co.uk/retirement/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:sipp-pension:curtis-banks", "accountType": "sipp-pension", "provider": "Curtis Banks", "providerUrl": "https://www.curtisbanks.co.uk/product/your-future-sipp", "verdict": "with-strings", "note": "Curtis Banks names US citizens resident in the UK as a category it accepts, which few providers do in writing. The conditions are heavy: paper only, an overseas client declaration, a UK FCA regulated adviser, and the plan can be funded only by transfers from UK pensions, so you cannot pay new contributions in.", "confidence": "high", "source": "Curtis Banks overseas client declaration, 2026-08-17", "sourceUrl": "https://www.curtisbanks.co.uk/app/uploads/2019/03/Your-Future-SIPP-Overseas-Client-Declaration-editable.pdf", "lastChecked": "2026-08-17", "usCondition": "paper application, an overseas client declaration, a UK regulated adviser, and transfers only" }, { "id": "us-person:sipp-pension:dentons-pensions", "accountType": "sipp-pension", "provider": "Dentons Pensions", "providerUrl": "https://www.dentonspensions.co.uk/sipp/", "verdict": "opens", "note": "Dentons runs a page specifically for US clients and says it still accepts SIPP applications from US citizens working in the UK, US residents and green card holders. You can approach it yourself without an adviser, and it wants a fund of at least £50,000.", "confidence": "high", "source": "Dentons US SIPP clients page, 2026-08-17", "sourceUrl": "https://www.dentonspensions.co.uk/sipp/us-sipp-clients/", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:embark", "accountType": "sipp-pension", "provider": "Embark Pensions (formerly Hornbuckle)", "providerUrl": "https://embarkpensions.co.uk/", "verdict": "with-strings", "note": "The Hornbuckle brand no longer writes new business and the live product is the Embark Pensions Full SIPP. It publishes no bar on US citizens, and its assessment says the SIPP is available only to customers resident in the United Kingdom and only where the customer has taken advice from a regulated adviser. So you meet the residence test and cannot apply alone.", "confidence": "high", "source": "Embark Pensions Full SIPP fair value assessment and fee schedule, 2026-08-17", "sourceUrl": "https://embarkgroup.co.uk/", "lastChecked": "2026-08-17", "usCondition": "UK residents only, and only through a regulated adviser" }, { "id": "us-person:sipp-pension:fidelity-sipp", "accountType": "sipp-pension", "provider": "Fidelity", "providerUrl": "https://www.fidelity.co.uk/services/sipp/", "verdict": "skip", "note": "Fidelity's client terms say the products are not offered to US persons, and the definition opens with any citizen of the United States and any US passport holder regardless of where they live. It also reserves the right to sell your investments and close the account if you are or become one.", "confidence": "high", "source": "Fidelity SIPP client terms, 2026-08-17", "sourceUrl": "https://www.fidelity.co.uk/media/PI%20UK/pdf/fidelitysipp-kfd-clientterms.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:freetrade", "accountType": "sipp-pension", "provider": "Freetrade", "providerUrl": "https://freetrade.io/pension/sipp", "verdict": "skip", "note": "Freetrade makes not being a US person under FATCA a condition of every account it offers, the SIPP included, and spells out that this covers citizens, residents and anyone meeting the substantial presence test.", "confidence": "high", "source": "Freetrade terms and conditions, 2026-08-17", "sourceUrl": "https://freetrade.io/terms-and-conditions-2", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:hargreaves-lansdown-sipp", "accountType": "sipp-pension", "provider": "Hargreaves Lansdown", "providerUrl": "https://www.hl.co.uk/pensions/sipp", "verdict": "with-strings", "note": "HL sets no citizenship bar on opening a SIPP and ties eligibility to residence instead. Its fund restriction is written against Regulation S US persons, which catches US residents rather than a US citizen living in the UK, and its own dealing pages route a US citizen or taxpayer to a paper form.", "confidence": "medium", "source": "HL terms and conditions and dealing pages, 2026-08-17", "sourceUrl": "https://www.hl.co.uk/__data/assets/pdf_file/0015/37122/Online-Ts-and-Cs.pdf", "lastChecked": "2026-08-17", "usCondition": "deal on a paper form rather than online, and the fund range is restricted" }, { "id": "us-person:sipp-pension:ig", "accountType": "sipp-pension", "provider": "IG", "providerUrl": "https://www.ig.com/uk/investments/sipp", "verdict": "with-strings", "note": "IG sets no citizenship test on the pension, asking only that you are 18 and UK resident, and it has a documented route for US citizens who complete a Form W-9. The string is on what you may buy rather than whether you may open: IG does not offer US-incorporated stock to US citizens through share dealing, only as a derivative, which leaves you holding non-US shares inside the wrapper.", "confidence": "medium", "source": "IG SIPP FAQs and US citizen guidance, 2026-08-17", "sourceUrl": "https://www.ig.com/uk/help-and-support/articles/682843-sipp-accounts-faqs", "lastChecked": "2026-08-17", "usCondition": "a Form W-9 on file, and no US-incorporated shares through the pension" }, { "id": "us-person:sipp-pension:interactive-brokers", "accountType": "sipp-pension", "provider": "Interactive Brokers UK", "providerUrl": "https://www.interactivebrokers.co.uk/en/accounts/individuals/sippAccount.php", "verdict": "skip", "note": "Offers brokerage and an ISA to US persons but does not offer them a SIPP.", "confidence": "high", "source": "Bogleheads UK wiki, 2026-05", "lastChecked": "2026-06-27" }, { "id": "us-person:sipp-pension:interactive-investor", "accountType": "sipp-pension", "provider": "Interactive Investor", "providerUrl": "https://www.ii.co.uk/ii-accounts/sipp", "verdict": "skip", "note": "Widely assumed to be open to Americans, and it is not. The SIPP terms make you confirm you are neither a Canadian resident nor a US person, which is a confirmation a US citizen cannot truthfully give, and a later clause lets ii close positions where it believes you are one.", "confidence": "medium", "source": "ii SIPP terms, clauses 13.3 and 18, 2026-08-17", "sourceUrl": "https://media-prod.ii.co.uk/s3fs-public/pdfs/ii_sipp_terms.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:international-sipp-adviser-gated", "accountType": "sipp-pension", "provider": "International SIPP (adviser-gated)", "verdict": "with-strings", "note": "International SIPPs from advisers such as Cameron James and Harrison Brook are built for US persons, but require a regulated adviser and carry higher fees, often 1 to 5 percent or a flat fee around £3,000.", "confidence": "medium", "source": "Cameron James, 2026-05; Harrison Brook, 2025-10; Wealth Genesis", "lastChecked": "2026-06-27" }, { "id": "us-person:sipp-pension:investengine", "accountType": "sipp-pension", "provider": "InvestEngine", "providerUrl": "https://investengine.com/sipp/", "verdict": "skip", "note": "Worth noting where the bar lives, because the contract will not tell you: InvestEngine's client terms set no US test at all, and its help centre lists US persons, including citizens and tax residents, among the accounts it cannot open. It is written against accounts rather than wrappers, so the pension closes with the ISA.", "confidence": "high", "source": "InvestEngine help centre, account eligibility, 2026-08-17", "sourceUrl": "https://investengine.com/sipp/", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:ipm", "accountType": "sipp-pension", "provider": "IPM Personal Pensions", "providerUrl": "https://www.ipm-pensions.co.uk/working-with-your-clients-with-a-us-connection/", "verdict": "opens", "note": "The clearest yes on this page, and the only provider that names you outright: IPM lists Americans working in the UK with UK pension funds as a category it serves. It runs SIPPs in dollars as well as sterling and works with investment managers regulated on both sides who understand the PFIC problem UK funds create. The condition is a sensible one rather than an obstacle: it will not take a US client without a US tax adviser of your own appointed alongside.", "confidence": "high", "source": "IPM guidance on clients with a US connection, 2026-08-17", "sourceUrl": "https://www.ipm-pensions.co.uk/working-with-your-clients-with-a-us-connection/", "lastChecked": "2026-08-17", "usCondition": "you must appoint your own US tax adviser, and IPM will not proceed without one" }, { "id": "us-person:sipp-pension:james-hay", "accountType": "sipp-pension", "provider": "James Hay (Nucleus)", "providerUrl": "https://nucleusfinancial.com/james-hay/advisers/products-and-charges", "verdict": "skip", "note": "Nothing to open. Nucleus lists the Partnership SIPP and the IPS range and states that all of them are closed to new business, with the remaining book moved onto its adviser-only platform.", "confidence": "high", "source": "Nucleus James Hay products and charges page, 2026-08-17", "sourceUrl": "https://nucleusfinancial.com/james-hay/advisers/products-and-charges", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:sipp-pension:just-group", "accountType": "sipp-pension", "provider": "Just Group", "providerUrl": "https://www.wearejust.co.uk/financial-products/pensions/", "verdict": "skip", "note": "Just has no pension you can build savings in. Its range is retirement income and later life products: annuities, fixed term plans, drawdown, care funding and lifetime mortgages. Its Secure Lifetime Income is bought inside somebody else's SIPP rather than being a pension of its own.", "confidence": "high", "source": "Just Group product range pages, 2026-08-17", "sourceUrl": "https://www.wearejust.co.uk/financial-products/pensions/", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:sipp-pension:legal-general", "accountType": "sipp-pension", "provider": "Legal and General", "providerUrl": "https://www.legalandgeneral.com/retirement/pensions/personal-pension/", "verdict": "with-strings", "note": "The most interesting definition on this page, and worth understanding generally. Legal and General says it cannot accept your application if you are classed as a US person, then defines that term by Regulation S and a Commodity Futures Trading Commission rule, both of which turn on living in the United States rather than on holding a US passport. A US citizen resident in Britain is arguably outside it, but only Legal and General can tell you whether it reads its own definition that way, so ask before applying.", "confidence": "medium", "source": "Legal and General personal pension key features and glossary, 2026-08-17", "sourceUrl": "https://www.legalandgeneral.com/retirement/pensions/personal-pension/", "lastChecked": "2026-08-17", "usCondition": "it refuses US persons, but defines them by residence rather than citizenship" }, { "id": "us-person:sipp-pension:lv", "accountType": "sipp-pension", "provider": "LV=", "providerUrl": "https://www.lv.com/pensions-retirement/lv-sipp", "verdict": "skip", "note": "LV= writes the citizenship test into its eligibility list: to open the Pension Portfolio you must not be a citizen or resident of the United States, which catches a US citizen living here. It is normally sold only through a financial adviser in any case.", "confidence": "high", "source": "LV= Pension Portfolio key features, April 2025, read 2026-08-17", "sourceUrl": "https://www.lv.com/pensions-retirement/lv-sipp", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:moneybox", "accountType": "sipp-pension", "provider": "Moneybox", "providerUrl": "https://www.moneyboxapp.com/pension", "verdict": "skip", "note": "Moneybox says it cannot provide its services to US citizens, including dual citizens, or to anyone paying US tax, and that such a customer would need to close their account. That is written against the whole service rather than one wrapper, so there is no pension exception here.", "confidence": "high", "source": "Moneybox support pages, 2026-08-17", "sourceUrl": "https://support.moneyboxapp.com/faqs/what-happens-if-i-move-abroad/", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:moneyfarm", "accountType": "sipp-pension", "provider": "Moneyfarm", "providerUrl": "https://www.moneyfarm.com/uk/private-pension/", "verdict": "skip", "note": "Moneyfarm stopped taking US persons in 2021 and names the FATCA reporting burden as the reason. Its definition catches citizens, green card holders, dual nationals and anyone born in the US.", "confidence": "high", "source": "Moneyfarm FAQ, 2026-08-24", "sourceUrl": "https://www.moneyfarm.com/uk/contact-us/", "lastChecked": "2026-08-24" }, { "id": "us-person:sipp-pension:natwest", "accountType": "sipp-pension", "provider": "NatWest", "providerUrl": "https://www.natwest.com/investments.html", "verdict": "skip", "note": "The mirror image of AJ Bell, inside one bank. NatWest's pension page says you cannot make contributions if you are a US citizen or a green card holder, while its stocks and shares ISA sets only a UK residence test with no citizenship condition. Same bank, opposite answers, so ask about the specific wrapper rather than about the bank.", "confidence": "medium", "source": "NatWest pension pages, quoted 2026-08-17", "sourceUrl": "https://www.natwest.com/investments.html", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:novia-global", "accountType": "sipp-pension", "provider": "Novia Global", "providerUrl": "https://www.novia-global.com/support-hub/document-directory/", "verdict": "skip", "note": "Two doors closed at once. Novia Global takes no direct business, only intermediaries with a terms of business agreement, and its own target market statement aims the product at people living or working outside the UK and says it is not meant for UK clients who intend to stay. It is built for leaving, not for settling.", "confidence": "high", "source": "Novia Global SIPP target market statement, 2026-08-17", "sourceUrl": "https://www.novia-global.com/wp-content/uploads/2026/03/Target-Market-Statement-SIPP.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:nutmeg", "accountType": "sipp-pension", "provider": "Nutmeg (J.P. Morgan Personal Investing)", "providerUrl": "https://www.personalinvesting.jpmorgan.com/pensions", "verdict": "skip", "note": "The terms say it does not provide portfolios or services to US persons. Worse than a refusal at the door, they also require you to tell it if you become a US person, after which it may close your products and end the agreement.", "confidence": "high", "source": "J.P. Morgan Personal Investing terms, 2026-08-17", "sourceUrl": "https://www.personalinvesting.jpmorgan.com/legal/terms-and-conditions-2024", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:prudential", "accountType": "sipp-pension", "provider": "Prudential UK", "providerUrl": "https://www.pru.co.uk/pensions-retirement/pension-retirement-products/prudential-retirement-account/", "verdict": "with-strings", "note": "Prudential sets a residence test and never mentions US persons at all: you may apply if you are resident in the UK, or a crown servant serving abroad. The gate is distribution rather than your passport, since it is available only through a financial adviser, and new contributions can only be paid while you remain UK resident.", "confidence": "high", "source": "Prudential Retirement Account terms and key features, 2026-08-17", "sourceUrl": "https://www.pru.co.uk/pensions-retirement/pension-retirement-products/prudential-retirement-account/", "lastChecked": "2026-08-17", "usCondition": "only through a financial adviser" }, { "id": "us-person:sipp-pension:rathbones", "accountType": "sipp-pension", "provider": "Rathbones", "providerUrl": "https://www.rathbones.com/en-gb/wealth-management/individuals-and-families/retirement-planning/self-invested-personal-pension", "verdict": "with-strings", "note": "Rathbones runs its own SIPP and its SIPP terms carry no US person exclusion, so nothing on paper shuts you out. The gap is that its US-connected pages name the ISA and never name the pension, so confirm the wrapper is in scope before you move a pension across.", "confidence": "medium", "source": "Rathbones SIPP pages and terms, 2026-08-17", "sourceUrl": "https://www.rathbones.com/en-gb/wealth-management/individuals-and-families/retirement-planning/self-invested-personal-pension", "lastChecked": "2026-08-17", "usCondition": "a £100,000 SIPP minimum on top of the £300,000 portfolio minimum" }, { "id": "us-person:sipp-pension:rbc-brewin-dolphin", "accountType": "sipp-pension", "provider": "RBC Brewin Dolphin", "providerUrl": "https://www.rbcwealthmanagement.com/en-uk/wealth-management", "verdict": "skip", "note": "It manages portfolios inside third party pensions, and the same clause bars US citizens from every service its terms cover, wealth management and discretionary management included. Its website disclaimer repeats that US persons are excluded from the products offered.", "confidence": "high", "source": "RBC Europe retail client terms, clause 121, 2026-08-17", "sourceUrl": "https://www.rbcwealthmanagement.com/en-uk/wealth-management", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:redmayne-bentley", "accountType": "sipp-pension", "provider": "Redmayne Bentley", "providerUrl": "https://www.redmayne.co.uk/", "verdict": "skip", "note": "The pension closes on the same terms as the ISA. Its SIPP portfolio form carries the identical FATCA declaration, and its managed portfolio terms add that it is not registered to do business with US persons.", "confidence": "high", "source": "Redmayne Bentley SIPP portfolio form and managed portfolio terms, 2026-08-17", "sourceUrl": "https://www.redmayne.co.uk/", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:rowanmoor", "accountType": "sipp-pension", "provider": "Rowanmoor", "providerUrl": "https://www.fca.org.uk/news/news-stories/rowanmoor-personal-pensions-enters-administration", "verdict": "skip", "note": "Rowanmoor no longer exists as a provider. Its personal pensions business entered administration and the administrators sold all customer SIPPs to Alltrust in March 2023, which is why Alltrust still administers a Rowanmoor plan. Its own website no longer resolves.", "confidence": "high", "source": "FCA news story on Rowanmoor Personal Pensions entering administration, read 2026-08-17", "sourceUrl": "https://www.fca.org.uk/news/news-stories/rowanmoor-personal-pensions-enters-administration", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:sipp-pension:royal-london", "accountType": "sipp-pension", "provider": "Royal London", "providerUrl": "https://www.royallondon.com/pensions/personal-pensions/", "verdict": "with-strings", "note": "Royal London chooses to sell personal pensions only through advisers, so there is no direct route in. Its own guidance to those advisers says most providers can accept US citizens who are relevant UK individuals living in the UK, and its plan terms set only a residence test.", "confidence": "medium", "source": "Royal London plan terms and adviser technical guidance, 2026-08-17", "sourceUrl": "https://adviser.royallondon.com/technical-central/pensions/contributions-and-tax-relief/contributions-to-registered-schemes-for-overseas-individuals/", "lastChecked": "2026-08-17", "usCondition": "only through a financial adviser, though the gate is distribution rather than your citizenship" }, { "id": "us-person:sipp-pension:scottish-widows", "accountType": "sipp-pension", "provider": "Scottish Widows", "providerUrl": "https://www.scottishwidows.co.uk/pensions/self-invested-personal-pension.html", "verdict": "skip", "note": "Both of its retail pensions refuse you in writing. The SIPP application requires that you are not a US person, and the ready-made pension goes further by naming the Internal Revenue Service definition, which is a citizenship test rather than a residence one. Worth knowing because Scottish Widows sells direct and looks like an easy route in.", "confidence": "high", "source": "Scottish Widows SIPP application and ready-made pension key features, 2026-08-17", "sourceUrl": "https://www.scottishwidows.co.uk/pensions/self-invested-personal-pension.html", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:standard-life", "accountType": "sipp-pension", "provider": "Standard Life", "providerUrl": "https://www.standardlife.co.uk/pensions/personal-pension", "verdict": "opens", "note": "One test, and it is residence rather than citizenship: you are eligible if you live in the UK. Standard Life is an insurer, so everything inside is a pooled insured fund and there is no direct-share option without moving to its adviser-sold SIPP.", "confidence": "medium", "source": "Standard Life plan terms, 2026-08-17", "sourceUrl": "https://library.standardlife.co.uk/ampp62.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:trading-212", "accountType": "sipp-pension", "provider": "Trading 212", "providerUrl": "https://www.trading212.com/sipp", "verdict": "skip", "note": "The SIPP is live and free of charge, and closed to you. Trading 212 does not offer accounts to US persons, defined to include US citizens, anyone born in the States, green card holders and anyone with US tax obligations, and that is written at account level so the pension falls with the ISA. The only exception it names is a certificate of loss of nationality.", "confidence": "high", "source": "Trading 212 help centre, account setup, 2026-08-17", "sourceUrl": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:vanguard-uk", "accountType": "sipp-pension", "provider": "Vanguard UK", "providerUrl": "https://www.vanguardinvestor.co.uk/what-we-offer/personal-pension/personal-pension-account", "verdict": "skip", "note": "The terms say the accounts and funds are not available to US persons, defined to include any US citizen and any US passport holder whatever their residence. The help pages say the same in plain words.", "confidence": "high", "source": "Vanguard UK client terms, August 2026", "sourceUrl": "https://www.vanguardinvestor.co.uk/content/dam/intl/uk-retail-direct/documents/terms-conditions.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:wealthify", "accountType": "sipp-pension", "provider": "Wealthify", "providerUrl": "https://www.wealthify.com/pension", "verdict": "skip", "note": "Another bar that sits outside the contract. Wealthify's pension terms ask only that you are 18 or over and resident in the UK for tax, while its FAQ says it cannot accept US citizens because of US tax reporting rules, covering anyone holding a US passport or owing US tax. The FAQ is what shuts the door, on the pension and the ISA alike.", "confidence": "high", "source": "Wealthify account FAQs, 2026-08-17", "sourceUrl": "https://www.wealthify.com/faq/account", "lastChecked": "2026-08-17" }, { "id": "us-person:sipp-pension:westerby", "accountType": "sipp-pension", "provider": "Westerby", "providerUrl": "https://sipp-ssas-pensions.co.uk/", "verdict": "with-strings", "note": "One of the few that will deal with you without an adviser, and it answers the nationality question rather than ducking it. Its key features say a UK citizen resident here can have the pension, and that residents or citizens of other countries may be eligible at Westerby's discretion depending on circumstances. So you are in the discretionary group: not a refusal, but not automatic either.", "confidence": "medium", "source": "Westerby SIPP key features document, December 2025, read 2026-08-17", "sourceUrl": "https://sipp-ssas-pensions.co.uk/", "lastChecked": "2026-08-17", "usCondition": "accepted at Westerby's discretion rather than automatically" }, { "id": "us-person:sipp-pension:willis-owen-sipp", "accountType": "sipp-pension", "provider": "Willis Owen", "providerUrl": "https://www.willisowen.co.uk/sipp/", "verdict": "skip", "note": "The SIPP application makes you tick that you are a UK resident and not a US person, taken as the Internal Revenue Service defines it. The identical declaration sits on its ISA application, so Willis Owen closes both doors and offers no pension exception.", "confidence": "high", "source": "Willis Owen SIPP application, 2026-08-17", "sourceUrl": "https://www.willisowen.co.uk/sipp/apply-for-a-sipp", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:aj-bell", "accountType": "stocks-and-shares-isa", "provider": "AJ Bell", "providerUrl": "https://www.ajbell.co.uk/isa/stocks-shares-isa", "verdict": "skip", "note": "You cannot apply for an ISA if you are a US citizen or a US tax resident, and the same clause covers the lifetime and junior ISA. The very same document bars only Canadians from the SIPP, so a yes on the pension does not carry across to this.", "confidence": "high", "source": "AJ Bell terms and conditions, clauses 26.4 and 27.2, 2026-08-17", "sourceUrl": "https://www.ajbell.co.uk/useful-forms/terms-and-conditions-sipp-isa-junior-isa-and-dealing-account", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:barclays-smart-investor", "accountType": "stocks-and-shares-isa", "provider": "Barclays Smart Investor", "providerUrl": "https://www.barclays.co.uk/smart-investor/accounts/investment-isa/", "verdict": "with-strings", "note": "The ISA eligibility clause asks only for UK tax residence, and the US rule sits several clauses away: a US citizen who is not US resident gets only a restricted range of investment services, and Barclays will place no trade at all without a signed W-9. It does not publish which services survive the restriction, so ask before you transfer anything across.", "confidence": "high", "source": "Barclays Smart Investor terms, clauses 13.6 to 13.8, 2026-08-17", "sourceUrl": "https://www.barclays.co.uk/content/dam/documents/smart-investor/smartinvestorterms.pdf", "lastChecked": "2026-08-17", "usCondition": "a restricted service range, and no trade without a signed W-9" }, { "id": "us-person:stocks-and-shares-isa:bestinvest", "accountType": "stocks-and-shares-isa", "provider": "Bestinvest", "providerUrl": "https://www.bestinvest.co.uk/stocks-shares-isa", "verdict": "skip", "note": "Three conditions to open anything at Bestinvest, and the third is to be a non-US citizen. It is unusually frank about why, saying its custodian does not comply with IRS reporting for US individuals. Citizenship is the test, so living in Britain does not get you round it.", "confidence": "high", "source": "Bestinvest eligibility page, 2026-08-17", "sourceUrl": "https://www.bestinvest.co.uk/help/eligibility", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:canaccord", "accountType": "stocks-and-shares-isa", "provider": "Canaccord Wealth", "providerUrl": "https://www.canaccord-wealth.com/your-needs/investing-for-us-expats", "verdict": "with-strings", "note": "Canaccord will not refuse you an ISA, and says it will be mindful of the implications of using UK wrappers like ISAs and SIPPs. Read its own guidance first though: it lists assuming UK tax-free wrappers are also tax-free in the US among the common mistakes US expats make. This is a firm that will build you one and would rather you understood why it may not help.", "confidence": "medium", "source": "Canaccord Wealth, investing for US expats, 2026-08-17", "sourceUrl": "https://www.canaccord-wealth.com/your-needs/investing-for-us-expats", "lastChecked": "2026-08-17", "usCondition": "it will run one, and its own guidance treats an ISA as a trap" }, { "id": "us-person:stocks-and-shares-isa:chip", "accountType": "stocks-and-shares-isa", "provider": "Chip", "providerUrl": "https://www.getchip.uk/investing/stocks-and-shares-isa", "verdict": "skip", "note": "Another split between documents. Chip's ISA key features ask only whether you are 18 and UK resident, while the platform terms carry the real test: it can provide the platform only if you are not a US person, and it reserves the right to close the account once you stop meeting that. No individual shares are offered, so the whole range is PFICs anyway.", "confidence": "high", "source": "Chip investment platform terms, clause 5.2, 2026-08-17", "sourceUrl": "https://www.getchip.uk/investing/stocks-and-shares-isa", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:dodl", "accountType": "stocks-and-shares-isa", "provider": "Dodl by AJ Bell", "providerUrl": "https://dodl.co.uk/investment-isa", "verdict": "skip", "note": "Dodl cannot accept applications from US citizens or US tax residents, so citizenship stops you at the door even as a UK resident. Its terms also require you to say straightaway if you become one, and reserve the right to make you close the account.", "confidence": "high", "source": "Dodl help centre and ISA terms clauses 1.3.4 and 20.4.15, 2026-08-17", "sourceUrl": "https://help.dodl.co.uk/en/articles/9273233-who-can-open-a-dodl-investment-isa", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:etoro-uk", "accountType": "stocks-and-shares-isa", "provider": "eToro UK", "providerUrl": "https://www.etoro.com/investing/isa/", "verdict": "skip", "note": "Worth knowing who you are actually applying to. Both eToro ISAs, managed and do-it-yourself, are Moneyfarm products surfaced inside eToro, and eToro's own pages set eligibility only at 18 and UK resident. The refusal sits with Moneyfarm, which decided not to accept further US persons and counts dual nationals where one nationality is American.", "confidence": "medium", "source": "Moneyfarm FAQ, as provider of the eToro ISA, 2026-08-24", "sourceUrl": "https://www.moneyfarm.com/uk/contact-us/", "lastChecked": "2026-08-24", "usCondition": "the ISA is a Moneyfarm product, and Moneyfarm is closed to new US persons" }, { "id": "us-person:stocks-and-shares-isa:fidelity-uk", "accountType": "stocks-and-shares-isa", "provider": "Fidelity UK", "providerUrl": "https://www.fidelity.co.uk/stocks-and-shares-isa/", "verdict": "skip", "note": "Fidelity answers its own question about who can open an account with a residence test and a US person test, and its definition of a US person leads with any citizen of the United States. It also reserves the right to sell your investments and close the account if it merely suspects you are one.", "confidence": "high", "source": "Fidelity key features and client terms, 2026-08-17", "sourceUrl": "https://www.fidelity.co.uk/media/PI%20UK/pdf/legal/Direct_Key_features_document.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:freetrade", "accountType": "stocks-and-shares-isa", "provider": "Freetrade", "providerUrl": "https://freetrade.io/stocks-and-shares-isa", "verdict": "skip", "note": "Freetrade says it is not available to US citizens or to anyone holding dual US citizenship, and its terms make not being a US person under FATCA a condition of the account. A later clause requires you to tell it and sell any holdings you cease to be eligible for.", "confidence": "high", "source": "Freetrade help centre and general terms clause 7.2.5, 2026-08-17", "sourceUrl": "https://help.freetrade.io/en/articles/2750455-is-freetrade-available-to-us-citizens", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:halifax-share-dealing", "accountType": "stocks-and-shares-isa", "provider": "Halifax Share Dealing", "providerUrl": "https://www.halifax.co.uk/investing/start-investing/share-dealing-services/stocks-and-shares-isa.html", "verdict": "skip", "note": "To open any account you must not be a US person, a US citizen, or US tax resident by any other route. That is a citizenship test, so living here does not help. Note that Halifax, Lloyds and Scottish Widows all run on the same platform and share this exact clause, so shopping between them on price achieves nothing if you are American.", "confidence": "high", "source": "Halifax Share Dealing terms, section 4.1, 2026-08-17", "sourceUrl": "https://www.halifax.co.uk/assets/pdf/filestore/HalifaxShareDealing_TermsandConds.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:hargreaves-lansdown", "accountType": "stocks-and-shares-isa", "provider": "Hargreaves Lansdown", "providerUrl": "https://www.hl.co.uk/investment-services/isa", "verdict": "with-strings", "note": "The only mainstream platform here that will open an ISA for you, and it will not do it through the online door. HL sets a residence test alone, and its transfer page says plainly that a US citizen cannot transfer online and should contact them instead.", "confidence": "medium", "source": "HL ISA apply and transfer pages, 2026-08-17", "sourceUrl": "https://www.hl.co.uk/investment-services/isa/apply-now", "lastChecked": "2026-08-17", "usCondition": "you cannot apply or transfer online, so it has to be phone or post" }, { "id": "us-person:stocks-and-shares-isa:ig", "accountType": "stocks-and-shares-isa", "provider": "IG", "providerUrl": "https://www.ig.com/uk/investments/isa", "verdict": "with-strings", "note": "The ISA page says any UK resident over 18 can open one, and the help centre carries the catch: IG allows a US citizen to buy US-incorporated stock only as a derivative, never through a share dealing account, which is what an ISA is. So you get the wrapper and the UK, European and Australian lines, but not the US stock most people open it for.", "confidence": "high", "source": "IG help centre on W-8BEN and US citizens, 2026-08-17", "sourceUrl": "https://www.ig.com/uk/help-and-support/investments/share-dealing-and-isas/what-is-a-w8ben-form-and-why-do-i-need-one", "lastChecked": "2026-08-17", "usCondition": "you can open it, but not buy US-incorporated stock inside it" }, { "id": "us-person:stocks-and-shares-isa:interactive-brokers", "accountType": "stocks-and-shares-isa", "provider": "Interactive Brokers UK", "providerUrl": "https://www.interactivebrokers.co.uk/en/accounts/isa-accounts.php", "verdict": "with-strings", "note": "Opens a stocks and shares ISA to US persons, but since April 2025 US-domiciled ETFs are non-qualifying inside the ISA and KID rules limit US funds; the wrapper is open, its contents are constrained.", "confidence": "medium", "source": "Bogleheads UK wiki, 2026-05 (secondary; general account confirmed direct with IBKR, ISA wrapper not yet)", "lastChecked": "2026-06-27" }, { "id": "us-person:stocks-and-shares-isa:interactive-investor", "accountType": "stocks-and-shares-isa", "provider": "Interactive Investor", "providerUrl": "https://www.ii.co.uk/ii-accounts/isa", "verdict": "skip", "note": "The terms governing the ISA require you to confirm that you are neither a Canadian resident nor a US person, which is a confirmation a US citizen cannot truthfully give, and a later clause lets ii sell your holdings if it believes you are one.", "confidence": "high", "source": "ii terms of service, clauses 14.3 and 20.2, 2026-08-17", "sourceUrl": "https://media-prod.ii.co.uk/s3fs-public/pdfs/terms_of_service.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:investengine", "accountType": "stocks-and-shares-isa", "provider": "InvestEngine", "providerUrl": "https://investengine.com/isa/", "verdict": "skip", "note": "InvestEngine lists US persons, including US citizens and US tax residents, among the accounts it cannot open. The refusal is close to moot in any case: the platform sells only ETFs and no individual shares, so every holding available here would be a PFIC for a US filer.", "confidence": "high", "source": "InvestEngine help centre, who can open an account, 2026-08-17", "sourceUrl": "https://help.investengine.com/hc/en-gb/articles/31149906352029-Who-can-open-an-InvestEngine-account", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:iweb", "accountType": "stocks-and-shares-isa", "provider": "iWeb (now Scottish Widows Share Dealing)", "providerUrl": "https://www.scottishwidows.co.uk/investing/ways-to-invest/share-dealing-services/share-dealing-isa.html", "verdict": "skip", "note": "iWeb is now Scottish Widows Share Dealing, and it states the bar on the apply page as well as in the contract: you must live in the UK and not be a US citizen or taxpayer. Its pricing is much the cheapest of the three Lloyds brands, at no annual fee and £5 a trade, which makes the refusal more annoying rather than less.", "confidence": "high", "source": "Scottish Widows Share Dealing ISA apply page and terms, 2026-08-17", "sourceUrl": "https://www.scottishwidows.co.uk/investing/ways-to-invest/share-dealing-services/share-dealing-isa.html", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:killik", "accountType": "stocks-and-shares-isa", "provider": "Killik and Co", "providerUrl": "https://killik.com/", "verdict": "with-strings", "note": "One firm, one wrapper, two routes, two different answers. Killik's app-based Silo service publishes a plain bar: to apply you must not be a US citizen or green card holder, and you need three years of UK address history. Its adviser-led routes to the same ISA say nothing about US citizens anywhere, in any document. So the cheap self-serve door is shut and the expensive advised one is merely unanswered. Ask before assuming the second is open.", "confidence": "medium", "source": "Killik and Co terms and conditions, effective January 2026, read 2026-08-17", "sourceUrl": "https://killik.com/", "lastChecked": "2026-08-17", "usCondition": "barred from its app service, and unanswered on the adviser route" }, { "id": "us-person:stocks-and-shares-isa:lightyear", "accountType": "stocks-and-shares-isa", "provider": "Lightyear", "providerUrl": "https://lightyear.com/en-gb/stocks-and-shares-ISA", "verdict": "skip", "note": "The ISA pages are silent on nationality and the eligibility FAQ is not: Lightyear cannot offer its products or services to a tax resident or citizen of the United States, and that bar sits at account level so it takes the ISA with it. It also states plainly that it cannot offer US-listed ETFs because of the rules restricting US-domiciled funds to European customers.", "confidence": "high", "source": "Lightyear eligibility FAQ, 2026-08-17", "sourceUrl": "https://lightyear.com/en-gb/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:lloyds", "accountType": "stocks-and-shares-isa", "provider": "Lloyds Bank", "providerUrl": "https://www.lloydsbank.com/investing/ways-to-invest/share-dealing-services/share-dealing-isa.html", "verdict": "skip", "note": "Lloyds share dealing runs on the Halifax Share Dealing platform and carries the identical clause barring US persons, US citizens and US tax residents. Three brands, one platform, one answer, and the fees differ while the eligibility does not.", "confidence": "high", "source": "Lloyds share dealing terms, section 4.1, 2026-08-17", "sourceUrl": "https://www.lloydsbank.com/investing/ways-to-invest/share-dealing-services/share-dealing-isa.html", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:moneybox", "accountType": "stocks-and-shares-isa", "provider": "Moneybox", "providerUrl": "https://www.moneyboxapp.com/isa", "verdict": "skip", "note": "The eligibility line is over 18, UK tax resident and not a US citizen, and the declaration makes you confirm you are not a US person as the IRS defines one. Worth knowing what you are missing: this ISA does offer individual US shares, which would have been the workable half for a US person, so here the citizenship bar is the whole story.", "confidence": "high", "source": "Moneybox ISA support pages and ISA declaration, 2026-08-17", "sourceUrl": "https://support.moneyboxapp.com/isa/", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:moneyfarm", "accountType": "stocks-and-shares-isa", "provider": "Moneyfarm", "providerUrl": "https://www.moneyfarm.com/uk/stocks-and-shares-isa/", "verdict": "skip", "note": "Moneyfarm stopped taking US persons in 2021 and names the FATCA reporting burden as the reason, counting citizens, green card holders, people born in the US and dual nationals. Clients from before then are grandfathered only while they stay in the UK, and must close on leaving.", "confidence": "high", "source": "Moneyfarm FAQ, 2026-08-24", "sourceUrl": "https://www.moneyfarm.com/uk/contact-us/", "lastChecked": "2026-08-24" }, { "id": "us-person:stocks-and-shares-isa:nationwide", "accountType": "stocks-and-shares-isa", "provider": "Nationwide", "providerUrl": "https://www.nationwide.co.uk/savings/investments", "verdict": "skip", "note": "Nationwide has no stocks and shares ISA to open. It answers the question directly, saying it does not offer investments directly, and points customers at Aegon Financial Planning for advised investing instead.", "confidence": "high", "source": "Nationwide investments page, 2026-08-17", "sourceUrl": "https://www.nationwide.co.uk/savings/investments", "lastChecked": "2026-08-17", "offersProduct": false }, { "id": "us-person:stocks-and-shares-isa:nutmeg", "accountType": "stocks-and-shares-isa", "provider": "Nutmeg (J.P. Morgan Personal Investing)", "providerUrl": "https://www.personalinvesting.jpmorgan.com/isas", "verdict": "skip", "note": "The terms do not provide portfolios or services to US persons. The clause after it is the worse one: you must tell them if you become a US person, and they may then end the agreement and close your products. Everything here is a managed portfolio of pooled funds, so there would be no individual shares to fall back on.", "confidence": "high", "source": "J.P. Morgan Personal Investing terms, sections 1.2 and 1.3, 2026-08-17", "sourceUrl": "https://www.personalinvesting.jpmorgan.com/legal/terms-and-conditions-2024", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:plum", "accountType": "stocks-and-shares-isa", "provider": "Plum", "providerUrl": "https://withplum.com/stocks-shares-isa", "verdict": "skip", "note": "Barred twice over. The general terms say you must not be a US citizen, resident or green card holder, and the ISA section says you may not open one as a US person and must tell Plum if you become one, at which point it will require you to close it. The ISA holds only mutual funds in any case.", "confidence": "high", "source": "Plum general terms and ISA section, 2026-08-17", "sourceUrl": "https://withplum.com/legal/terms", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:prosper", "accountType": "stocks-and-shares-isa", "provider": "Prosper", "providerUrl": "https://www.prosper.co.uk/products/isa", "verdict": "skip", "note": "Prosper never writes the word citizen. Its terms require that you are not a tax resident of the United States, which sounds like a residence test and is not one in practice, because American citizenship-based taxation makes a US citizen in London a US tax resident. Expect it to catch you, and note the shelf is funds only regardless.", "confidence": "medium", "source": "Prosper terms and conditions, eligibility, 2026-08-17", "sourceUrl": "https://www.prosper.co.uk/documents/terms-and-conditions", "lastChecked": "2026-08-17", "usCondition": "worded as US tax residence, which US citizenship creates wherever you live" }, { "id": "us-person:stocks-and-shares-isa:quilter-cheviot", "accountType": "stocks-and-shares-isa", "provider": "Quilter Cheviot", "providerUrl": "https://www.quiltercheviot.com/", "verdict": "with-strings", "note": "Stronger than silence, and worth knowing because so few firms say anything. Quilter Cheviot is itself the approved manager of its stocks and shares ISA, its ISA declaration is the standard statutory residence test with no US carve-out, and its application form asks whether you are a US citizen, passport or green card holder and then routes a yes to an IRS Form W-9 rather than to a refusal. That is an onboarding step, not an exclusion. It publishes no US-aware investment service though, so ask how PFICs would be avoided.", "confidence": "medium", "source": "Quilter Cheviot UK client terms, annex 1, 2026-08-17", "sourceUrl": "https://www.quiltercheviot.com/", "lastChecked": "2026-08-17", "usCondition": "a £250,000 minimum, and expect to be asked for a W-9" }, { "id": "us-person:stocks-and-shares-isa:quilter-invest", "accountType": "stocks-and-shares-isa", "provider": "Quilter Invest (formerly Wombat)", "providerUrl": "https://www.quilterinvest.com/stock-and-shares-isa", "verdict": "skip", "note": "Formerly Wombat, then NuWealth, now Quilter Invest, and the US bar survived every rename. The platform is offered only to people who are 18 or over, UK resident and not a US person, and you warrant that on an ongoing basis and must tell Quilter immediately if it changes. It does offer US shares, which is what makes the bar sting.", "confidence": "high", "source": "Quilter Invest app terms, clauses 3.3 and 12.2, 2026-08-17", "sourceUrl": "https://www.quilterinvest.com/site-terms/terms-and-conditions-app", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:rathbones", "accountType": "stocks-and-shares-isa", "provider": "Rathbones", "providerUrl": "https://www.rathbones.com/en-gb/wealth-management/financial-adviser/investment-services-us-taxpayers-uk", "verdict": "opens", "note": "The ISA sits inside its US service rather than outside it, and Rathbones is refreshingly blunt about what that means. Among the key facts of the offering it lists that ISA income and capital gains are included in your US reports and are not tax exempt under US law. It runs the wrapper and reports it, rather than pretending the tax break survives the Atlantic.", "confidence": "high", "source": "Rathbones investment services for US taxpayers, 2026-08-17", "sourceUrl": "https://www.rathbones.com/en-gb/wealth-management/financial-adviser/investment-services-us-taxpayers-uk", "lastChecked": "2026-08-17", "usCondition": "a minimum portfolio of £300,000" }, { "id": "us-person:stocks-and-shares-isa:rbc-brewin-dolphin", "accountType": "stocks-and-shares-isa", "provider": "RBC Brewin Dolphin", "providerUrl": "https://www.rbcwealthmanagement.com/en-uk/wealth-management", "verdict": "skip", "note": "The exclusion is firm-wide and the ISA sits inside it: the client terms say it may not provide services if you are or become a US person, defined as any citizen or resident of the States, and the ISA terms are a section of that same document.", "confidence": "high", "source": "RBC Europe retail client terms, clause 121, 2026-08-17", "sourceUrl": "https://www.rbcwealthmanagement.com/en-uk/wealth-management", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:redmayne-bentley", "accountType": "stocks-and-shares-isa", "provider": "Redmayne Bentley", "providerUrl": "https://www.redmayne.co.uk/", "verdict": "skip", "note": "The refusal reaches the ISA directly. Its own application and transfer form makes you declare that you are not a United States person as FATCA defines one, nor a Canadian resident, which is a declaration a US citizen cannot sign.", "confidence": "high", "source": "Redmayne Bentley ISA application and transfer form, 2026-08-17", "sourceUrl": "https://www.redmayne.co.uk/", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:robinhood-uk", "accountType": "stocks-and-shares-isa", "provider": "Robinhood UK", "providerUrl": "https://robinhood.com/gb/en/stocks-and-shares-isa/", "verdict": "skip", "note": "Explicit twice over: you can apply only if you are not a US person as the Internal Revenue Service defines one, and if you become one at any point you will be required to close the ISA. The account opening checklist repeats it in a single line.", "confidence": "high", "source": "Robinhood UK stocks and shares ISA key features, 2026-08-17", "sourceUrl": "https://cdn.robinhood.com/assets/robinhood/legal/rhuk_stocks_and_shares_isa_product_key_features.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:santander", "accountType": "stocks-and-shares-isa", "provider": "Santander UK", "providerUrl": "https://www.santander.co.uk/personal/savings-and-investments/investments/stocks-and-shares-isa", "verdict": "skip", "note": "Santander draws the line precisely, and the wording is worth quoting to yourself before assuming any bank is the same: you can be a non-UK national, but US citizens cannot open an Investment Hub account. It also asks you to tell it if you become a US citizen, which suggests it acts on the status after opening too.", "confidence": "high", "source": "Santander Investment Hub key features, February 2026, read 2026-08-17", "sourceUrl": "https://www.santander.co.uk/personal/savings-and-investments/investments/stocks-and-shares-isa", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:saxo-uk", "accountType": "stocks-and-shares-isa", "provider": "Saxo UK", "providerUrl": "https://www.home.saxo/en-gb/accounts/isa", "verdict": "skip", "note": "The ISA pages say nothing about nationality, and the help centre does: Saxo cannot offer services to anyone classified as a US person, and its definition expressly covers dual citizens who do not live in the States. The only route it names is a certificate of loss of nationality, which is not a route for anyone intending to stay American.", "confidence": "high", "source": "Saxo help centre, can a US person have an account, 2026-08-17", "sourceUrl": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:trading-212", "accountType": "stocks-and-shares-isa", "provider": "Trading 212", "providerUrl": "https://www.trading212.com/isa", "verdict": "skip", "note": "Trading 212 does not offer accounts to US persons, and defines those to include US citizens, anyone born in the US, green card holders and anyone with US tax obligations. The only way back in it names is a certificate of loss of nationality.", "confidence": "high", "source": "Trading 212 help centre, confirming tax details at account setup, 2026-08-17", "sourceUrl": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:true-potential", "accountType": "stocks-and-shares-isa", "provider": "True Potential", "providerUrl": "https://www.truepotential.co.uk/investments/stocks-shares-isa/", "verdict": "skip", "note": "A clear case of the bar living outside the contract. The ISA terms set a plain residence test and never mention America, while the FAQ answering who can open one says you must not be a United States person or citizen, reaching anyone born in the States, Puerto Rico, Guam or the US Virgin Islands, anyone with a US citizen parent, and anyone meeting the substantial presence test.", "confidence": "high", "source": "True Potential ISA eligibility FAQ, 2026-08-17", "sourceUrl": "https://www.truepotential.co.uk/faq/what-are-the-conditions-i-have-to-meet-to-open-a-stocks-shares-isa/", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:vanguard-uk", "accountType": "stocks-and-shares-isa", "provider": "Vanguard UK", "providerUrl": "https://www.vanguardinvestor.co.uk/investing-explained/stocks-shares-isa", "verdict": "skip", "note": "The accounts and the funds are both closed to US persons, defined to include any US citizen and any US passport holder wherever they live. Even without the bar this platform sells only Vanguard funds, so there would be no individual shares to fall back on.", "confidence": "high", "source": "Vanguard UK client terms, clause 1.3.3, August 2026", "sourceUrl": "https://www.vanguardinvestor.co.uk/content/dam/intl/uk-retail-direct/documents/terms-conditions.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:wealthify", "accountType": "stocks-and-shares-isa", "provider": "Wealthify", "providerUrl": "https://www.wealthify.com/isa", "verdict": "skip", "note": "The contract bars US passport holders, and the public FAQ puts it wider still, saying US citizens and anyone paying tax to the US cannot invest with Wealthify. A later clause lets it terminate if you stop meeting the conditions after opening, and it offers managed plans only, so there are no individual shares here either.", "confidence": "high", "source": "Wealthify investment terms clause 2.1, June 2025, read 2026-08-17", "sourceUrl": "https://www.wealthify.com/media/5101/investment-terms-june-2025-v1-clean.pdf", "lastChecked": "2026-08-17" }, { "id": "us-person:stocks-and-shares-isa:willis-owen", "accountType": "stocks-and-shares-isa", "provider": "Willis Owen", "providerUrl": "https://www.willisowen.co.uk/isa/", "verdict": "skip", "note": "The bar sits in the application form itself, which will not proceed until you confirm you are a UK resident and not a US person as the Internal Revenue Service defines one. A shame, because Willis Owen is one of the few here offering individual shares alongside funds, which is the route that would have worked.", "confidence": "high", "source": "Willis Owen ISA application eligibility check, 2026-08-17", "sourceUrl": "https://www.willisowen.co.uk/isa/apply-for-an-isa", "lastChecked": "2026-08-17" } ] }