momo
US citizens in the UK · Institutions

Which Bank of Scotland accounts accept US citizens

Last checked

Bank of Scotland has been checked for US citizens across 3 account types. All 3 are open to a US person.

If you already have an account with Bank of Scotland, a second one there is usually the easier application, because Bank of Scotland 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 Opens

Current accounts

Compare with other providers
Opens

Bank of Scotland sets an age test of 18 or over and leaves the rest to a general assessment, with no tax-residency wording and no US exclusion. Confidence is a notch lower than sister brand Halifax because the residency criterion is not spelled out on its product pages.

FSCS £120,000 · app, online or branch appointment

Account Terms The catch
Classic Account
Monthly fee
Free
Interest
None as standard; the free Vantage feature pays 0.75% AER up to £3,999.99 and 3.00% AER from £4,000 to £5,000
Abroad
2.99% conversion fee, plus £0.50 a payment and £1.50 a cash withdrawal
 Vantage interest needs £1,000 paid in that month and two different direct debits going out.
Silver Account
Monthly fee
£11.50 a month
Interest
None as standard; Vantage can be added on the same terms
Abroad
No Bank of Scotland fees on spending or cash withdrawals abroad
 —

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

Savings accounts

Compare with other providers
Opens

The stated test is being 16 or over and resident in the UK, so US citizenship is no bar and there is no sole-tax-residency wording. The FSCS limit is shared with Halifax, so money at both is covered once, not twice. The US taxes the interest as ordinary income.

FSCS £120,000, shared with Halifax · online, app, phone or branch

Account Terms The catch
Monthly Saver
Access
Regular saver
Rate
8.00% AER, fixed
Min
£25 a month
Max
£250 a month
Rate as of
 Needs a Bank of Scotland current account. Pay in £25 to £250 by the 25th of each month, and money taken out cannot be paid back in.
Fixed Rate Bond
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
£9,000,000
Rate as of
 The 1-year term pays 3.80%, and closing early costs 90 days' interest on the 1-year or 180 days' on the 2-year. Interest paid monthly or annually at the same AER.
Advantage Saver
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Rate as of
 Two or fewer withdrawals a year, otherwise 0.65%, and you must hold a qualifying Bank of Scotland current account.

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

Mortgages

Compare with other providers
Opens

Bank of Scotland says openly that it offers mortgages provided by Halifax, publishes no rate table of its own and sends you to the Halifax site to get an agreement in principle. Its only published eligibility line is that you must be a UK resident or have full rights to reside. Everything else, including the dollar income haircut, is the group criteria in the Halifax row.

Direct · sells Halifax mortgages and publishes no rates of its own

Source: Bank of Scotland mortgage pages and FAQs, 2026-08-17 Last checked Bank of Scotland'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.