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US citizens in the UK · Institutions

Which Arbuthnot Latham accounts accept US citizens

Last checked

Arbuthnot Latham 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 Arbuthnot Latham, a second one there is usually the easier application, because Arbuthnot Latham 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 Opens
Savings accounts Opens
Mortgages With strings

Current accounts

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Opens

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.

FSCS £120,000 · relationship managed, online and mobile

Account Terms The catch
Private Current Account
Monthly fee
£100 a month, free while you hold £500,000 or more with them
Interest
None
Abroad
2.75% conversion charge on card payments in a foreign currency and on foreign cash withdrawals
 New clients must bring at least £750,000 in deposits, investments or borrowing.

Source: Arbuthnot Latham private banking, 2026-08-17 Last checked Arbuthnot Latham's own page

Savings accounts

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Opens

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.

FSCS £120,000 · relationship managed · £750,000 entry

Account Terms The catch
Fixed Term Deposit
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£100,000
Rate as of
 New clients must bring at least £750,000 across banking, lending and investments. No access during the term.
100-Day Notice Account
Access
Notice
Rate
2.94% AER, variable
Min
£50,000
Rate as of
 You must keep at least £50,000 in it and give 100 days notice; rates rise to 3.14% above £1,000,000.
Personal Savings Account
Access
Easy access
Rate
1.26% AER, variable
Rate as of
 New clients must bring at least £750,000 across banking, lending and investments.

Source: Arbuthnot Latham savings rates, 2026-08-17 Last checked Arbuthnot Latham's own page

Mortgages

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With strings

US persons: a minimum loan of £500,000 and a £750,000 banking relationship

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.

Direct with an in-house adviser · from £500,000, plus £750,000 in deposits, investments or borrowing

Account Terms The catch
Sterling residential mortgage
Then
Arbuthnot Latham base lending rate, 3.75%
Term
2, 3 or 5 years
Max LTV
65%
Rate as of
 No rates are published and every case is priced individually. Borrowing starts at £500,000, the maximum term is 15 years, and Arbuthnot Latham advises only on its own products.
US dollar currency mortgage
Term
typically a 5 year committed term
Max LTV
65%
Rate as of
 Denominated in dollars or euros and secured on a UK property, from £500,000 or the currency equivalent. Fixed and tracker deals are not available on currency mortgages. Arbuthnot Latham carries the standard warning that exchange rate movement can change your repayments.

Source: Arbuthnot Latham borrowing pages and product summary, 2026-08-17 Last checked Arbuthnot Latham'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.