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US citizens in the UK · Institutions

Which Bank of Ireland UK accounts accept US citizens

Last checked

Bank of Ireland UK 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 Bank of Ireland UK, a second one there is usually the easier application, because Bank of Ireland UK 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

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.

FSCS £120,000 · branches in Northern Ireland, counters at UK Post Offices · app or online

Account Terms The catch
Clear Account
Monthly fee
Free
Interest
None
Abroad
2.75% non-sterling fee on card payments and foreign cash withdrawals, plus £1.50 a withdrawal outside the EEA
 —

Source: Bank of Ireland UK current accounts, 2026-08-17 Last checked Bank of Ireland UK's own page

Savings accounts

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Opens

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.

FSCS £120,000, shared with Post Office Money · UK wide, branches in Northern Ireland · online, app, phone or branch

Account Terms The catch
Limited Edition Fixed Term Deposit (12 months)
Access
Fixed term
Rate
4.25% AER, fixed
Term
1 year
Min
£2,000
Max
£5,000,000
Rate as of
 No withdrawals during the term, and deposits must come from a linked Bank of Ireland UK account.
Classic Saver
Access
Easy access
Rate
1.45% AER, variable
Min
£1
Rate as of
 —
Limited Edition Fixed Term Deposit (6 months)
Access
Fixed term
Rate
3.25% AER, fixed
Term
6 months
Min
£2,000
Max
£5,000,000
Rate as of
 Single deposit from a linked Bank of Ireland UK current or savings account, and no withdrawals during the term. Early closure is only allowed in special circumstances and may carry a charge.
Limited Edition Fixed Term Deposit (2 years)
Access
Fixed term
Rate
4.20% AER, fixed
Term
2 years
Min
£2,000
Max
£5,000,000
Rate as of
 Single deposit from a linked Bank of Ireland UK current or savings account, and no withdrawals during the term. Early closure is only allowed in special circumstances and may carry a charge.

Source: Bank of Ireland UK savings, 2026-08-17 Last checked Bank of Ireland UK's own page

Mortgages

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With strings

US persons: Northern Ireland property only, and household income must be in sterling

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%.

Direct or through a broker · Northern Ireland property, three years here

Account Terms The catch
2 year fixed
Rate
4.98%, fixed
Then
6.94% standard variable rate
Term
Fixed to 31 December 2028
Max LTV
90%
Product fee
None, plus a £195 lending fee
Rate as of
 Northern Ireland property only. Loans from £25,001 to £500,000, capital repayment only. Above 75% loan to value it wants £75,000 income alone or £100,000 jointly.
5 year fixed
Rate
4.94%, fixed
Then
6.94% standard variable rate
Term
Fixed to 31 December 2031
Max LTV
90%
Product fee
None, plus a £195 lending fee
Rate as of
 Northern Ireland property only. Loans from £25,001 to £500,000, capital repayment only.

Source: Bank of Ireland UK mortgage criteria and rates, 2026-08-17 Last checked Bank of Ireland UK'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.