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US citizens in the UK · Institutions

Which Cumberland Building Society accounts accept US citizens

Last checked

Cumberland 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 Cumberland Building Society, a second one there is usually the easier application, because Cumberland 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
Current accounts Opens
Savings accounts Opens
Mortgages With strings

Current accounts

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Opens

The Cumberland is regional: new customers must live in its operating area, covering Cumbria, south-west Scotland, west Northumberland and north Lancashire, so it is no use to a reader elsewhere. Nothing on its pages rules out a US citizen or asks for single-country tax residency.

FSCS £120,000 · Cumbria, south-west Scotland and nearby only · app, online or branch

Account Terms The catch
Cumberland Plus
Monthly fee
Free
Interest
None
Abroad
No Cumberland fee on card payments or cash withdrawals abroad, though you must register your travel dates first
 You must live in its operating area, and pay in £750 a month or hold a £1,000 average balance, otherwise it costs £2 a month.
Day2Day Account
Monthly fee
Free
Interest
None
Abroad
No Cumberland fee on card payments or cash withdrawals abroad, though you must register your travel dates first
 You must live in its operating area, and pay in £200 a month if you are 24 or over, otherwise it costs £2 a month.

Source: Cumberland Building Society current accounts, 2026-08-17 Last checked Cumberland Building Society's own page

Savings accounts

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Opens

Nothing in the Cumberland savings rules excludes a US citizen or asks for tax residency in one country only. The bar is geography: new customers must live in its operating area. The US taxes the interest as ordinary income.

FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online

Account Terms The catch
Regular Saver
Access
Regular saver
Rate
4.25% AER, variable
Then
2.60%
Min
£1
Max
£3,000
Rate as of
 Cumberland Plus current account holders only, £250 a month maximum, and after twelve months the balance moves to a Reward Instant Access account.
30 Day Notice
Access
Notice
Rate
2.80% AER, variable
Min
£1
Max
£500,000
Rate as of
 Thirty days notice to withdraw without losing interest.
Cumberland eSaver
Access
Easy access
Rate
2.60% AER, variable
Min
£1
Max
£500,000
Rate as of
 Needs a Cumberland current account with internet banking enabled.
Cumberland Instant Access
Access
Easy access
Rate
2.40% AER, variable
Min
£1
Max
£500,000
Rate as of
 Open at a branch, or online with an internet enabled Cumberland current account; new customers must live in the operating area. Withdrawals are by cash (up to £500 a day) or cheque, not faster payment.
First Home Saver (Issue 2)
Access
Regular saver
Rate
3.75% AER, variable
Min
£100
Max
£25,000
Rate as of
 First time buyers with a Cumberland current account only; pay in £100 to £1,500 a month, up to £25,000. Withdrawals need 90 days notice or cost 90 days of interest, unless the money pays a deposit on a Cumberland mortgage.

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

Mortgages

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With strings

US persons: a permanent right of residency, and lending mostly near its branches

Citizenship is never mentioned, and Cumberland will consider non-UK nationals who live and work here, pay UK tax and hold a permanent right of residency. Note a change worth knowing: its June 2026 criteria dropped the foreign currency section that used to accept dollar income at a 20% discount, so treat non-sterling income as unsupported.

Direct or through a broker · permanent right of residency, brokers inside its operating area

Source: Cumberland intermediary residential criteria guide, June 2026, read 2026-08-17 Last checked Cumberland 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.