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US citizens in the UK · Institutions

Which Bath Building Society accounts accept US citizens

Last checked

Bath Building Society has been checked for US citizens across 2 account types. Both are open to a US person (1 with strings).

If you already have an account with Bath Building Society, a second one there is usually the easier application, because Bath Building Society 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
Mortgages Accepts with conditions 2
Junior cash ISAs Accepts US citizens 1

Mortgages

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Accepts with conditions
Updated

US persons: indefinite leave to remain and three years here, with no foreign currency income

Bath says it plainly: without indefinite leave to remain there is no mortgage, and a salary in a foreign currency is not accepted either. It wants three years of UK address history and underwrites by hand. Despite the name it lends across England, Wales, mainland Scotland, Orkney and Shetland, though not Northern Ireland.

Direct or through a broker · indefinite leave to remain, three years here, lends in Scotland

Account Terms The catch
Residential 2 year discount at 95%
Rate
4.94%, variable
Then
7.24% standard variable rate
Term
2 years
Max LTV
95%
Product fee
£999
Rate as of
 A discount of 2.30% from the standard variable rate, with a rate floor set in the loan documents. A fee free version is 5.29%.
Residential 2 year fixed
Rate
5.29%, fixed
Then
7.24% standard variable rate
Term
2 years
Max LTV
80%
Product fee
£999
Rate as of
 A five year fix at 5.34% is available on the same terms, and a 95% version of the two year fix is 5.84%.

Source: Bath Building Society residential lending criteria, 2026-08-17 Bath Building Society's own page

Junior cash ISAs

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Accepts US citizens
Updated

The published terms set no US test: the child must be UK resident for tax purposes, with no sole-residency wording. The real limit is local, as new accounts are restricted to children who live, work or study in the BA1 or BA2 postcodes, or whose parent has been a Bath customer for 12 months.

FSCS · online, app or branch

Account Terms The catch
Junior Cash ISA
Access
Fixed term
Rate
4.15% AER, variable
Term
until the child turns 18
Min
£1
Max
annual Junior ISA allowance
Rate as of
 restricted to children who live, work or study in BA1 or BA2, or whose parent or guardian has been a customer for at least 12 months

Source: Bath Building Society Junior Cash ISA page, Junior Cash ISA Declaration and Terms (April 2026) and savings terms (May 2026), 2026-09-11 Bath Building Society'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

Saving for a child

How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.

 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.