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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 4 account types. All 4 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 last updated.

At a glance

Account type Verdict Accounts Updated
Current accounts Accepts US citizens 2
Savings accounts Accepts US citizens 6
Mortgages Accepts US citizens Not listed yet
Junior cash ISAs Accepts US citizens 1

Current accounts

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Accepts US citizens
Updated

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 Bank of Scotland's own page

Savings accounts

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Accepts US citizens
Updated

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.
2 Year Fixed Rate Bond (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
£9,000,000
Rate as of
 Closing early costs 180 days' interest. Interest paid annually at 4.00% gross.
2 Year Fixed Rate Bond (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
£9,000,000
Rate as of
 Interest paid monthly at 3.93% gross. Closing early costs 180 days' interest.
1 Year Fixed Rate Bond (annual interest)
Access
Fixed term
Rate
3.80% AER, fixed
Term
1 year
Min
£500
Max
£9,000,000
Rate as of
 Closing early costs 90 days' interest. Interest paid annually at 3.80% gross.
1 Year Fixed Rate Bond (monthly interest)
Access
Fixed term
Rate
3.80% AER, fixed
Term
1 year
Min
£500
Max
£9,000,000
Rate as of
 Interest paid monthly at 3.74% gross. Closing early costs 90 days' interest.
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 Bank of Scotland's own page

Mortgages

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Accepts US citizens
Updated

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 Bank of Scotland's own page

Junior cash ISAs

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Accepts US citizens
Updated

The parent must be 16 or over, UK resident and hold parental responsibility, and the child must be resident in the UK; the published terms set no US test. Bank of Scotland is part of Lloyds Banking Group, the same group where a parent applying for a US citizen child was refused at the counter, so ask before relying on it.

FSCS £120,000, shared with Halifax · open online, managed in branch

Account Terms The catch
Junior Cash ISA
Access
Fixed term
Rate
2.35% AER, variable
Term
no withdrawals until the child turns 18
Min
£1
Max
£9,000 a tax year across all the child's junior ISAs
Rate as of
 Tax-free on balances of £1 or more; paid each year on 31 March

Source: Bank of Scotland Junior Cash ISA page and savings account conditions, 2026-09-11 Bank of Scotland'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 .
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