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US citizens in the UK · Institutions

Which Bank of China (UK) accounts accept US citizens

Last checked

Bank of China (UK) has no residential mortgage open to new borrowers, whatever your nationality.

At a glance

Account Verdict Last checked
Mortgages Not offered

Mortgages

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Not offered

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.

Buy to let only · no owner occupier product

Source: Bank of China UK mortgage product pages, 2026-08-17 Last checked Bank of China (UK)'s own page

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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.