momo
US citizens in the UK · Institutions

Which Danske Bank UK accounts accept US citizens

Last checked

Danske Bank UK 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 Danske Bank UK, a second one there is usually the easier application, because Danske Bank 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 Opens
Savings accounts Opens
Mortgages With strings

Current accounts

Compare with other providers
Opens

Danske Bank UK serves Northern Ireland only, and new customers must be resident there, so a reader in Great Britain cannot use it. Nothing bars a US citizen; the application asks the routine FATCA and CRS tax-residency questions, including whether you are a US citizen.

FSCS £120,000 · Northern Ireland only · app, online, phone or branch

Account Terms The catch
Danske Reward
Monthly fee
£2 a month
Interest
None
Abroad
No Danske fee on card payments or cash withdrawals abroad, in any currency
 You must live in Northern Ireland. The £5 monthly reward needs £1,000 paid in, eight debit card payments and digital statements.
Danske Choice
Monthly fee
Free
Interest
None
Abroad
2.75% non-sterling fee on card payments and cash withdrawals abroad
 You must live in Northern Ireland.

Source: Danske Bank UK current accounts, 2026-08-17 Last checked Danske Bank UK's own page

Savings accounts

Compare with other providers
Opens

Savings eligibility turns on residence rather than citizenship, with nothing excluding US persons. The catch is geographic: new customers must live in Northern Ireland, though existing customers can be anywhere in the UK. The US taxes the interest as ordinary income.

FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch

Account Terms The catch
Danske Fixed Term Deposit (1 year)
Access
Fixed term
Rate
3.75% AER, fixed
Term
1 year
Min
£5,000
Max
£1,000,000
Rate as of
 The top rate needs £250,000 or more; below that it pays 3.60%. You need a Danske current account or instant access savings account alongside, one deposit only, and nothing comes out before maturity.
Danske Notice Account
Access
Notice
Rate
3.00% AER, variable
Min
£2,000
Max
£250,000
Rate as of
 95 days notice before a withdrawal completes.
Danske eSaver
Access
Easy access
Rate
2.05% AER, variable
Min
£1
Rate as of
 Run through online or mobile banking only.
Danske Fixed Term Deposit (1 month)
Access
Fixed term
Rate
1.21% AER, fixed
Term
1 month
Min
£5,000
Rate as of
 Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (2 month)
Access
Fixed term
Rate
1.21% AER, fixed
Term
2 months
Min
£5,000
Rate as of
 Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (3 month)
Access
Fixed term
Rate
2.63% AER, fixed
Term
3 months
Min
£5,000
Rate as of
 Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (4 month)
Access
Fixed term
Rate
2.62% AER, fixed
Term
4 months
Min
£5,000
Rate as of
 Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (6 month)
Access
Fixed term
Rate
3.02% AER, fixed
Term
6 months
Min
£5,000
Max
£1,000,000 online
Rate as of
 You need a Danske current account or instant access savings account alongside, one deposit only, and nothing comes out before maturity.
Danske Fixed Term Deposit (9 month)
Access
Fixed term
Rate
3.22% AER, fixed
Term
9 months
Min
£5,000
Max
£1,000,000 online
Rate as of
 You need a Danske current account or instant access savings account alongside, one deposit only, and nothing comes out before maturity.
Danske Fixed Term Deposit (2 year)
Access
Fixed term
Rate
3.58% AER, fixed
Term
2 years
Min
£5,000
Max
£1,000,000 online
Rate as of
 Interest is paid at maturity, so the 3.65% gross rate works out at 3.58% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (3 year)
Access
Fixed term
Rate
3.57% AER, fixed
Term
3 years
Min
£5,000
Max
£1,000,000 online
Rate as of
 Interest is paid at maturity, so the 3.70% gross rate works out at 3.57% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (4 year)
Access
Fixed term
Rate
3.55% AER, fixed
Term
4 years
Min
£5,000
Max
£1,000,000 online
Rate as of
 Interest is paid at maturity, so the 3.75% gross rate works out at 3.55% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.
Danske Fixed Term Deposit (5 year)
Access
Fixed term
Rate
3.54% AER, fixed
Term
5 years
Min
£5,000
Max
£1,000,000 online
Rate as of
 Interest is paid at maturity, so the 3.80% gross rate works out at 3.54% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity.

Source: Danske Bank UK savings, 2026-08-17 Last checked Danske Bank UK's own page

Mortgages

Compare with other providers
With strings

US persons: indefinite leave to remain, because a work visa is refused outright

Danske accepts a US citizen only with indefinite leave to remain, or a permanent right to reside that is not tied to a job, which rules out a skilled worker visa in terms. It lends on Northern Ireland property direct and on English property through brokers, and lends in sterling against sterling income only.

Direct in Northern Ireland, through a broker in England · indefinite leave required

Account Terms The catch
Energy efficient home 2 year fixed
Rate
4.44%, fixed
Then
6.15% follow on rate
Term
Fixed to 2 October 2028
Max LTV
75%
Product fee
£999
Rate as of
 Purchase only, for a property rated A to C for energy efficiency. Northern Ireland rates are published only through the bank's calculator.
Energy efficient home 5 year fixed
Rate
4.60%, fixed
Then
6.15% follow on rate
Term
Fixed to 1 October 2031
Max LTV
75%
Product fee
£999
Rate as of
 Purchase only, energy rating A to C. The published range runs to 90% loan to value.

Source: Danske Bank UK intermediary lending criteria, 2026-08-17 Last checked Danske Bank 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.