Momo
US citizens in the UK · Institutions

Which Atom Bank accounts accept US citizens

Last checked

Atom Bank 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 Atom Bank, a second one there is usually the easier application, because Atom Bank has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
Savings accounts Accepts US citizens 14
Cash ISAs Accepts US citizens 1
Mortgages Accepts with conditions 2

Savings accounts

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Accepts US citizens
Updated

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.

FSCS £120,000 · app-only

Account Terms The catch
5 Year Fixed Saver (annual interest)
Access
Fixed term
Rate
5.20% AER, fixed
Term
5 years
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 5.00% gross.
5 Year Fixed Saver (monthly interest)
Access
Fixed term
Rate
5.20% AER, fixed
Term
5 years
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.89% gross.
2 Year Fixed Saver (annual interest)
Access
Fixed term
Rate
5.10% AER, fixed
Term
2 years
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.90% gross.
3 Year Fixed Saver (annual interest)
Access
Fixed term
Rate
5.10% AER, fixed
Term
3 years
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.95% gross.
2 Year Fixed Saver (monthly interest)
Access
Fixed term
Rate
5.10% AER, fixed
Term
2 years
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.79% gross.
3 Year Fixed Saver (monthly interest)
Access
Fixed term
Rate
5.10% AER, fixed
Term
3 years
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.84% gross.
1 Year Fixed Saver (annual interest)
Access
Fixed term
Rate
4.90% AER, fixed
Term
1 year
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.75% gross.
1 Year Fixed Saver (monthly interest)
Access
Fixed term
Rate
4.90% AER, fixed
Term
1 year
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.65% gross.
6 Month Fixed Saver (annual interest)
Access
Fixed term
Rate
4.55% AER, fixed
Term
6 months
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.11% gross.
9 Month Fixed Saver (annual interest)
Access
Fixed term
Rate
4.55% AER, fixed
Term
9 months
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.38% gross.
6 Month Fixed Saver (monthly interest)
Access
Fixed term
Rate
4.55% AER, fixed
Term
6 months
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.07% gross.
9 Month Fixed Saver (monthly interest)
Access
Fixed term
Rate
4.55% AER, fixed
Term
9 months
Min
£50
Max
£100,000
Rate as of
 No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.31% gross.
Instant Saver Reward
Access
Easy access
Rate
3.49% AER, variable
Max
£100,000 (combined)
Rate as of
 Reward rate only in a month with no withdrawal; drops to 2.00% the month you withdraw.
Instant Saver
Access
Easy access
Rate
2.50% AER, variable
Max
£100,000 (combined)
Rate as of
 None; unlimited in-app withdrawals.

Source: Atom bank Instant Saver terms, 2026-05-19 Atom Bank's own page

Cash ISAs

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Accepts US citizens
Updated

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.

FSCS £120,000 · app-only

Account Terms The catch
Easy Access Cash ISA
Access
Easy access
Rate
4.25% AER, variable
Rate as of
 No bonus and no reversion rate, but the rate can move at any time, and Atom cannot currently accept transfers in from other providers.

Source: Atom cash ISA terms, 2026-08-17 Atom Bank's own page

Mortgages

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Accepts with conditions
Updated

US persons: three years here and unrestricted rights to live and work, so indefinite leave in practice

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.

Through a broker · three years here and unrestricted rights to live and work

Account Terms The catch
Prime 2 year fixed
Rate
5.49%, fixed
Then
6.99% standard variable rate
Term
2 years
Max LTV
85%
Product fee
None
Rate as of
 Free basic valuation on purchase and remortgage. The 90% to 95% tier is 5.74%, also fee free.
Prime 5 year fixed
Rate
5.69%, fixed
Then
6.99% standard variable rate
Term
5 years
Max LTV
95%
Product fee
None
Rate as of
 This is the 90% to 95% tier, which is closed to self employed applicants. The tier up to 85% is 5.44%.

Source: Atom Bank intermediaries residential lending criteria, 2026-08-17 Atom Bank's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. 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

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. 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.

 Tax

ISA US tax

The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.