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US citizens in the UK · Institutions

Which Chase UK accounts accept US citizens

Last checked

Chase UK has been checked for US citizens across 3 account types. All 3 are open to a US person (all with strings).

If you already have an account with Chase UK, a second one there is usually the easier application, because Chase UK 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 With strings
Savings accounts With strings
Credit cards With strings

Current accounts

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With strings

US persons: expect follow-up questions after your tax self-certification

Chase asks you to be resident and tax resident in the UK, and its own guidance says that if you are a US citizen or resident it may follow up for more information after your tax self-certification. Being tax resident elsewhere as well is reported rather than refused, but expect the extra step.

FSCS £120,000 · app-only

Account Terms The catch
Chase current account
Monthly fee
Free
Interest
None
Abroad
No fees on spending abroad
 Cashback of 2% is capped at £20 a month and needs £1,000 held across Chase savers every day plus 15 payments a month.

Source: Chase UK, confirming your tax residence, 2026-08-17 Last checked Chase UK's own page

Savings accounts

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With strings

US persons: expect follow-up questions after your tax self-certification

Chase opens its saver to a UK-resident US person but may follow up for more information after your tax self-certification, and you must be UK resident only; the pot sits behind a Chase current account. The US taxes the interest as ordinary income.

FSCS £120,000 · app-only

Account Terms The catch
Chase Saver Account
Access
Easy access
Rate
4.50% AER, variable
Then
2.25%
Max
£3,000,000
Rate as of
 New-customer boost for the first 12 months, then 2.25%; needs an eligible Chase current account.
Round-up Account
Rate
5.00% AER, variable
Rate as of
 Needs a Chase current account, and it only collects the rounded-up spare change from your spending. The balance moves to your Chase current or saver account on each anniversary of opening.

Source: Chase UK, confirming your tax residence, 2026-08-09 Last checked Chase UK's own page

Credit cards

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With strings

US persons: you need a Chase account first, and must be UK tax resident

Opens on the same terms as anyone else, and is as clean as this group gets on overseas spending: nothing on foreign transactions and nothing on cash withdrawals, at home or abroad. You need a Chase account first and must be UK tax resident, and it wants six years clear of bankruptcies, county court judgments and individual voluntary arrangements.

App only · needs a Chase account and UK tax residence

Account Terms The catch
Chase credit card
Representative APR
24.9% APR representative
Card fee
Free
Abroad
No foreign transaction fee and no cash withdrawal fee anywhere, though cash gets no interest free period and is charged at 24.9% to 29.9%.
Rate as of
 Rates run from 24.9% to 29.9% depending on circumstances, on a minimum £500 limit.

Source: Chase UK credit card application and summary box, 2026-08-17 Last checked Chase UK'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.