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US citizens in the UK · Institutions

Which C. Hoare & Co accounts accept US citizens

Last checked

C. Hoare & Co has been checked for US citizens across 2 account types. Both are open to a US person.

If you already have an account with C. Hoare & Co, a second one there is usually the easier application, because C. Hoare & Co 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

Current accounts

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Opens

Nothing in the bank's published tariff, account guide or terms bars US citizens, and it handles US dollar cheques and currency accounts as routine. It publishes no wealth or income minimum, so the visible cost of entry is the monthly charge.

FSCS £120,000 · relationship managed, by phone or in person in London

Account Terms The catch
Current Account
Monthly fee
£65 a month, free if you are under 30
Interest
None
Abroad
No charge on card payments in a foreign currency, and none on foreign cash withdrawals outside the UK
 No wealth or income minimum is published, but accounts are opened by relationship, and savings are only offered to existing current account customers.

Source: C. Hoare & Co tariff and account guide, 2026-08-17 Last checked C. Hoare & Co's own page

Savings accounts

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Opens

C. Hoare & Co publishes a full personal deposit rate sheet, so there is no guesswork, but every savings account is open only to customers who already hold a current account with the bank. The US taxes the interest as ordinary income.

FSCS £120,000 · relationship managed · current account required

Account Terms The catch
Fixed Term Deposit
Access
Fixed term
Rate
4.20% AER, fixed
Term
1 year
Min
£100,000
Rate as of
 Needs a C. Hoare & Co current account and a cleared balance of £100,000. No additions or withdrawals during the term; two years pays 4.25%.
95 Day Notice Account
Access
Notice
Rate
3.10% AER, variable
Term
95 days notice
Min
£50,000
Rate as of
 Needs a current account with the bank, £50,000 to open, and movements in amounts of at least £10,000.
Deposit Account
Access
Easy access
Rate
1.85% AER, variable
Rate as of
 Needs a C. Hoare & Co current account.

Source: C. Hoare & Co personal deposit rates, 2026-08-17 Last checked C. Hoare & Co'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.