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US citizens in the UK · Institutions

Which AIB accounts accept US citizens

Last checked

AIB has been checked for US citizens across 3 account types. All 3 are open to a US person (1 with strings).

If you already have an account with AIB, a second one there is usually the easier application, because AIB has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was checked.

At a glance

Account Verdict Last checked
Current accounts Allied Irish Bank (GB) Opens
Savings accounts Allied Irish Bank (GB) Opens
Mortgages AIB (NI), formerly Allied Irish Bank (GB) With strings

Current accounts

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Allied Irish Bank (GB)

Opens

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.

FSCS £120,000 · existing customers only · online, phone or Post Office counters

Account Terms The catch
Current Account
Monthly fee
Free
Interest
None
Abroad
2.75% conversion fee on card payments abroad; foreign cash withdrawals add a 1.50% handling fee on non-euro amounts
 You must already hold an Allied Irish Bank (GB) account, and free banking applies only while the account stays in credit.

Source: Allied Irish Bank (GB) current accounts, 2026-08-17 Last checked Allied Irish Bank (GB)'s own page

Savings accounts

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Allied Irish Bank (GB)

Opens

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.

FSCS £120,000 · open by phone, then manage by phone or online

Account Terms The catch
Fixed Rate Saver
Access
Fixed term
Rate
3.75% AER, fixed
Term
1 year
Min
£5,000
Max
£200,000
Rate as of
 No withdrawals before maturity, and the opening deposit must be a single payment of at least £5,000.
Demand Deposit Account
Access
Easy access
Rate
1.50% AER, variable
Rate as of
 Closed to new applicants; existing customers only.

Source: Allied Irish Bank (GB) savings and deposits, 2026-08-17 Last checked Allied Irish Bank (GB)'s own page

Mortgages

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AIB (NI), formerly Allied Irish Bank (GB)

With strings

US persons: no dollar income at all, and £150,000 minimum plus PAYE employment outside Northern Ireland

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.

Direct by phone or branch · one licence with Allied Irish Bank (GB)

Account Terms The catch
5 year fixed
Rate
4.76%, fixed
Then
6.60% standard variable rate
Term
Fixed to 31 October 2031
Max LTV
90%
Product fee
None for first time buyers, movers and switchers
Rate as of
 £1,000 cashback on new lending. Outside Northern Ireland the minimum loan is £150,000 and only PAYE employees are considered. Any non-sterling income disqualifies the application.
2 year fixed
Rate
4.96%, fixed
Then
6.60% standard variable rate
Term
2 years
Max LTV
90%
Product fee
None for first time buyers, movers and switchers
Rate as of
 Free standard valuation, no application or booking fee. A two year discount tracking 1.96% below the standard variable rate is also published.

Source: AIB (NI) mortgage pages and general information sheet, 2026-08-17 Last checked AIB (NI), formerly Allied Irish Bank (GB)'s own page

Account names link to the provider's own site. momo has no active affiliate partnerships; if that changes it will be disclosed and will never change a verdict. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.

 Tax

FBAR

If your foreign accounts top $10,000 combined at any point in the year, you file an FBAR. What counts, when it is due, and what happens if you miss it.