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US citizens in the UK · Institutions

Which Charter Savings Bank accounts accept US citizens

Last checked

Charter Savings Bank has been checked for US citizens across 2 account types. Both are open to a US person.

If you already have an account with Charter Savings Bank, a second one there is usually the easier application, because Charter Savings Bank 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
Savings accounts Accepts US citizens 8
Cash ISAs Accepts US citizens 8

Savings accounts

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Accepts US citizens
Updated

Charter opens savings to anyone 18 or over resident in the UK, with no sole-tax-residency wording and no US-person bar; its FATCA form asks whether you are a US citizen and collects a taxpayer identification number, so US citizens are handled rather than turned away. The US taxes the interest as ordinary income.

FSCS £120,000 via Charter Court Financial Services · online and post

Account Terms The catch
3 Year Fixed Rate Bond (annual interest)
Access
Fixed term
Rate
4.95% AER, fixed
Term
3 years
Min
£5,000
Max
£1,000,000
Rate as of
 No withdrawals or closure for the full three years, and the deposit must arrive within 14 days of applying. Interest paid annually at 4.83% gross.
3 Year Fixed Rate Bond (monthly interest)
Access
Fixed term
Rate
4.95% AER, fixed
Term
3 years
Min
£5,000
Max
£1,000,000
Rate as of
 No withdrawals or closure for the full three years, and the deposit must arrive within 14 days of applying. Interest paid monthly at 4.73% gross.
2 Year Fixed Rate Bond (annual interest)
Access
Fixed term
Rate
4.90% AER, fixed
Term
2 years
Min
£5,000
Max
£1,000,000
Rate as of
 No withdrawals or closure for the full two years, and the deposit must arrive within 14 days of applying. Interest paid annually at 4.82% gross.
2 Year Fixed Rate Bond (monthly interest)
Access
Fixed term
Rate
4.90% AER, fixed
Term
2 years
Min
£5,000
Max
£1,000,000
Rate as of
 No withdrawals or closure for the full two years, and the deposit must arrive within 14 days of applying. Interest paid monthly at 4.72% gross.
1 Year Fixed Rate Bond (annual interest)
Access
Fixed term
Rate
4.82% AER, fixed
Term
1 year
Min
£5,000
Max
£1,000,000
Rate as of
 No withdrawals or closure for the full year, and the deposit must arrive within 14 days of applying. Interest paid annually at 4.77% gross.
1 Year Fixed Rate Bond (monthly interest)
Access
Fixed term
Rate
4.82% AER, fixed
Term
1 year
Min
£5,000
Max
£1,000,000
Rate as of
 No withdrawals or closure for the full year, and the deposit must arrive within 14 days of applying. Interest paid monthly at 4.67% gross.
Easy Access Issue 79 (annual interest)
Access
Easy access
Rate
4.25% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Interest paid annually at 4.25% gross.
Easy Access Issue 79 (monthly interest)
Access
Easy access
Rate
4.25% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Interest paid monthly at 4.17% gross.

Source: Charter Savings Bank rates, 2026-08-17 Charter Savings Bank's own page

Cash ISAs

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Accepts US citizens
Updated

Charter's ISA booklet sets the bar at any UK resident aged 18 or over, with no sole-tax-residency test. Its own FATCA form asks whether you are a US citizen and collects your citizenship, tax residency and taxpayer identification number, so a US person is handled rather than refused. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online

Account Terms The catch
3 Year Fixed Rate Cash ISA (annual interest)
Access
Fixed term
Rate
4.96% AER, fixed
Term
3 years
Min
£5,000
Max
£1,500,000
Rate as of
 Limited issue; fund within 30 days, and withdrawals cost 270 days of interest and cannot take the balance below £5,000. Interest paid annually at 4.83% tax-free.
3 Year Fixed Rate Cash ISA (monthly interest)
Access
Fixed term
Rate
4.96% AER, fixed
Term
3 years
Min
£5,000
Max
£1,500,000
Rate as of
 Limited issue; fund within 30 days, and withdrawals cost 270 days of interest and cannot take the balance below £5,000. Interest paid monthly at 4.73% tax-free.
2 Year Fixed Rate Cash ISA (annual interest)
Access
Fixed term
Rate
4.91% AER, fixed
Term
2 years
Min
£5,000
Max
£1,500,000
Rate as of
 Limited issue; fund within 30 days, and withdrawals cost 180 days of interest and cannot take the balance below £5,000. Interest paid annually at 4.81% tax-free.
2 Year Fixed Rate Cash ISA (monthly interest)
Access
Fixed term
Rate
4.91% AER, fixed
Term
2 years
Min
£5,000
Max
£1,500,000
Rate as of
 Limited issue; fund within 30 days, and withdrawals cost 180 days of interest and cannot take the balance below £5,000. Interest paid monthly at 4.71% tax-free.
1 Year Fixed Rate Cash ISA (annual interest)
Access
Fixed term
Rate
4.81% AER, fixed
Term
1 year
Min
£5,000
Max
£1,500,000
Rate as of
 Limited issue; fund within 30 days, and withdrawals cost 90 days of interest and cannot take the balance below £5,000. Interest paid annually at 4.74% tax-free.
1 Year Fixed Rate Cash ISA (monthly interest)
Access
Fixed term
Rate
4.81% AER, fixed
Term
1 year
Min
£5,000
Max
£1,500,000
Rate as of
 Limited issue; fund within 30 days, and withdrawals cost 90 days of interest and cannot take the balance below £5,000. Interest paid monthly at 4.64% tax-free.
Easy Access Cash ISA Issue 82 (annual interest)
Access
Easy access
Rate
4.26% AER, variable
Min
£1
Max
£1,500,000
Rate as of
 Withdraw or transfer out at any time with no notice, though it is not a flexible ISA. Interest paid annually at 4.26% tax-free.
Easy Access Cash ISA Issue 82 (monthly interest)
Access
Easy access
Rate
4.26% AER, variable
Min
£1
Max
£1,500,000
Rate as of
 Withdraw or transfer out at any time with no notice, though it is not a flexible ISA. Interest paid monthly at 4.18% tax-free.

Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17 Charter Savings Bank's own page

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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

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.

 Tax

ISA US tax

The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.