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US citizens in the UK · Institutions

Which Coventry Building Society accounts accept US citizens

Last checked

Coventry Building Society has been checked for US citizens across 4 account types. All 4 are open to a US person (1 with strings).

If you already have an account with Coventry Building Society, a second one there is usually the easier application, because Coventry 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
Savings accounts Accepts US citizens 13
Cash ISAs Accepts US citizens 5
Mortgages Accepts with conditions 2
Junior cash ISAs Accepts US citizens 1

Savings accounts

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Accepts US citizens
Updated

Opens to UK residents with the usual tax residency and taxpayer identification questions; Coventry's own help pages confirm it holds accounts for US citizens and reports them, and there is no sole-tax-residency wording. The US taxes the interest as ordinary income.

FSCS £120,000 · online, branch, post or phone

Account Terms The catch
Sunny Day Saver (3)
Access
Regular saver
Rate
5.00% AER, variable
Min
£1 a month
Max
£150 a month
Rate as of
 Pay in £1 to £150 each calendar month for a year, and withdrawals are free. Eligible accounts are also entered into prize draws.
First Home Saver (2)
Access
Regular saver
Rate
4.25% AER, variable
Min
£1 a month
Max
£1,000 a month
Rate as of
 Pay in up to £1,000 a month for 36 months; withdrawals need 60 days notice or cost 60 days of interest. A £500 bonus is added if you take a Coventry mortgage.
Fixed Rate Saver (28) to 30.11.2029 (annual interest)
Access
Fixed term
Rate
4.20% AER, fixed
Term
about 3 years
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals once the 14 day cooling off period ends. Interest paid annually.
Fixed Rate Saver (28) to 30.11.2029 (monthly interest)
Access
Fixed term
Rate
4.20% AER, fixed
Term
about 3 years
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals once the 14 day cooling off period ends. Interest paid monthly at the same 4.20% AER; Coventry does not publish a separate gross figure for the monthly option on this page.
Fixed Rate Saver (27) to 30.11.2028 (annual interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
to November 2028
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals once the 14 day cooling off period ends. Interest paid annually.
Fixed Rate Saver (27) to 30.11.2028 (monthly interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
to November 2028
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals once the 14 day cooling off period ends. Interest paid monthly at the same 4.10% AER; Coventry does not publish a separate gross figure for the monthly option on this page.
Regular Saver (6)
Access
Regular saver
Rate
4.00% AER, variable
Min
£1
Max
£500 a month
Rate as of
 Up to £500 a month, and any withdrawal costs 30 days of interest.
Fixed Rate Saver (26) to 30.11.2027 (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
to November 2027
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals once the 14 day cooling off period ends. Interest paid annually.
Fixed Rate Saver (26) to 30.11.2027 (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
to November 2027
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals once the 14 day cooling off period ends. Interest paid monthly at the same 4.00% AER; Coventry does not publish a separate gross figure for the monthly option on this page.
5 Access Saver (5) (annual interest)
Access
Easy access
Rate
3.50% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Five free withdrawals a year, then each one costs 50 days of interest. Interest paid annually.
5 Access Saver (5) (monthly interest)
Access
Easy access
Rate
3.50% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Five free withdrawals a year, then each one costs 50 days of interest. Interest paid monthly at the same 3.50% AER; Coventry does not publish a separate gross figure for the monthly option on this page.
Easy Access Saver (8) (annual interest)
Access
Easy access
Rate
2.00% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Interest paid annually, at 2.00% gross. Interest can be added to the account or paid away into another suitable account.
Easy Access Saver (8) (monthly interest)
Access
Easy access
Rate
2.00% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Interest paid monthly, at 1.98% gross rather than the 2.00% gross paid annually. Interest can be added to the account or paid away into another suitable account.

Source: Coventry Building Society savings rates, 2026-08-17 Coventry Building Society's own page

Cash ISAs

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Accepts US citizens
Updated

The cash ISA declaration repeats the HMRC test on UK tax residency and the Crown employee exception, with nothing about sole residency or US persons; you must be 18 or over and give a National Insurance number. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · online, app, phone, branch or post

Account Terms The catch
Fixed Rate ISA (341) to 31.12.2029
Access
Fixed term
Rate
4.20% AER, fixed
Term
to December 2029
Min
£1
Rate as of
 After the 14 day cancellation period you cannot take out part of the money, only close the account, and charges apply.
Fixed Rate ISA (340) to 31.12.2028
Access
Fixed term
Rate
4.10% AER, fixed
Term
to December 2028
Min
£1
Rate as of
 After the 14 day cancellation period you cannot take out part of the money, only close the account, and charges apply.
Fixed Rate ISA (339) to 31.12.2027
Access
Fixed term
Rate
4.00% AER, fixed
Term
to December 2027
Min
£1
Rate as of
 After the 14 day cancellation period you cannot take out part of the money, only close the account, and charges apply.
6 Access ISA 1 Year (3)
Access
Easy access
Rate
3.60% AER, variable
Min
£1
Rate as of
 The account lasts 12 months, with six charge-free withdrawals; the seventh and later, including closure, cost 50 days of interest.
Easy Access ISA (12)
Access
Easy access
Rate
2.00% AER, variable
Min
£1
Rate as of
 A flexible ISA; take money out whenever you wish with no charge.

Source: Coventry cash ISA declaration, 2026-08-17 Coventry Building Society's own page

Mortgages

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Accepts with conditions
Updated

US persons: indefinite leave to remain, two years here, and sterling income

No nationality bar anywhere in the criteria. Coventry asks foreign nationals for indefinite leave to remain or right of abode, two years of UK residency and employment, and three years of address history, and it will not count income paid in a foreign currency for new borrowing.

Direct or through a broker · indefinite leave to remain, two years of UK residency and employment

Account Terms The catch
Fixed to 29 February 2032
Rate
5.11%, fixed
Then
Coventry's standard variable rate
Term
Fixed to 29 February 2032
Max LTV
90%
Product fee
£999
Rate as of
 Home mover purchase.
Fixed to 28 February 2029
Rate
5.12%, fixed
Then
Coventry's standard variable rate
Term
Fixed to 28 February 2029
Max LTV
90%
Product fee
£999
Rate as of
 Home mover purchase.

Source: Coventry for intermediaries residential criteria, 2026-08-17 Coventry Building Society's own page

Junior cash ISAs

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Accepts US citizens
Updated

The Junior Cash ISA asks only that the child is under 18 and resident in the UK, and the published terms set no US test. The savings terms treat a US citizen as someone Coventry reports to HMRC rather than refuses, though the Junior ISA's own Specific Terms are only sent on request.

FSCS £120,000 · branch, phone or post

Account Terms The catch
Junior Cash ISA (2)
Access
Fixed term
Rate
3.75% AER, variable
Term
no access until the child turns 18
Min
£1
Max
£9,000 a tax year (the child's junior ISA allowance, less any paid into a junior stocks and shares ISA)
Rate as of
 Tax-free p.a./AER on balances from £0.01; calculated daily, paid annually at the end of 30 September, with a final payment on the child's 18th birthday

Source: Coventry Junior Cash ISA (2) product page and Saving Accounts Terms and Conditions (April 2026), 2026-09-11 Coventry 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 .
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