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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 3 account types. All 3 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 checked.

At a glance

Account Verdict Last checked
Savings accounts Opens
Cash ISAs Opens
Mortgages With strings

Savings accounts

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Opens

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
Fixed Rate Saver (28) to 30.11.2029
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.
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.
5 Access Saver (5)
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.
Easy Access Saver (8)
Access
Easy access
Rate
2.00% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Interest paid monthly or annually at the same AER.
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 (27) to 30.11.2028
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.
Fixed Rate Saver (26) to 30.11.2027
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.

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

Cash ISAs

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Opens

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 (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 (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 (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 Last checked Coventry Building Society's own page

Mortgages

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With strings

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 31 December 2028
Rate
4.92%, fixed
Then
6.54% standard variable rate
Term
Fixed to 31 December 2028
Max LTV
90%
Product fee
£999
Rate as of
 Home mover purchase, with no early repayment charge.
Fixed to 31 December 2031
Rate
4.91%, fixed
Then
6.54% standard variable rate
Term
Fixed to 31 December 2031
Max LTV
90%
Product fee
£999
Rate as of
 Home mover purchase, with no early repayment charge.

Source: Coventry for intermediaries residential criteria, 2026-08-17 Last checked Coventry Building Society'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.

 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.