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US citizens in the UK · Institutions

Which Ford Money accounts accept US citizens

Last checked

Ford Money has been checked for US citizens across 2 account types. Both are open to a US person (1 with strings).

If you already have an account with Ford Money, a second one there is usually the easier application, because Ford Money 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 with conditions 9
Cash ISAs Accepts US citizens 8

Savings accounts

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Accepts with conditions
Updated

US persons: contact them so the right FATCA declaration form can be sent

Ford Money states plainly that a US citizen in the UK can apply, which few providers do, provided you make a FATCA declaration and give a taxpayer identification number. It asks non-UK tax residents to contact it so the right declaration form can be sent, so expect one step more than the usual tick box. The US taxes the interest as ordinary income.

FSCS £120,000 · online

Account Terms The catch
Regular Saver
Access
Regular saver
Rate
4.75% AER, fixed
Min
£25 a month
Max
£200 a month
Rate as of
 Pay in £25 to £200 a month for 12 months, and you can only hold one.
Fixed Saver 3 year (annual interest)
Access
Fixed term
Rate
4.70% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. Interest paid yearly at 4.70% gross, into this account, another Ford Money account, or your connected bank account.
Fixed Saver 3 year (monthly interest)
Access
Fixed term
Rate
4.70% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.60% gross, into this account, another Ford Money account, or your connected bank account. Needs £500 to open, must be funded within 21 days, and no withdrawals during the term.
Fixed Saver 2 year (annual interest)
Access
Fixed term
Rate
4.65% AER, fixed
Term
2 years
Min
£500
Max
£2,000,000
Rate as of
 Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. Interest paid yearly at 4.65% gross, into this account, another Ford Money account, or your connected bank account.
Fixed Saver 2 year (monthly interest)
Access
Fixed term
Rate
4.65% AER, fixed
Term
2 years
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.55% gross, into this account, another Ford Money account, or your connected bank account. Needs £500 to open, must be funded within 21 days, and no withdrawals during the term.
Fixed Saver 1 year (annual interest)
Access
Fixed term
Rate
4.60% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. Interest paid yearly at 4.60% gross, into this account, another Ford Money account, or your connected bank account.
Fixed Saver 1 year (monthly interest)
Access
Fixed term
Rate
4.60% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.51% gross, into this account, another Ford Money account, or your connected bank account. Needs £500 to open, must be funded within 21 days, and no withdrawals during the term.
Flexible Saver (annual interest)
Access
Easy access
Rate
3.54% AER, variable
Min
£1
Max
£2,000,000
Rate as of
 Interest paid yearly at 3.54% gross, into this account, another Ford Money account, or your connected bank account. The £2 million cap counts across all your Ford Money accounts.
Flexible Saver (monthly interest)
Access
Easy access
Rate
3.54% AER, variable
Min
£1
Max
£2,000,000
Rate as of
 Interest paid monthly at 3.48% gross, into this account, another Ford Money account, or your connected bank account. The £2 million cap counts across all your Ford Money accounts.

Source: Ford Money product pages, 2026-08-17 Ford Money's own page

Cash ISAs

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Accepts US citizens
Updated

Ford Money opens a cash ISA to anyone 18 or over who is a UK resident taxpayer with a National Insurance number, with no sole-tax-residency test and no US-person exclusion. Its terms documents were not reachable directly, so this rests on its own FAQ and summary boxes. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · online

Account Terms The catch
Fixed Cash ISA 3 year (annual interest)
Access
Fixed term
Rate
4.15% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 Deposits allowed in the first 21 days only; closing or transferring out early costs 270 days of interest. Interest paid yearly at 4.15% gross, into this account, another Ford Money account, or your connected bank account.
Fixed Cash ISA 3 year (monthly interest)
Access
Fixed term
Rate
4.15% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.07% gross, into this account, another Ford Money account, or your connected bank account. Deposits allowed in the first 21 days only; closing or transferring out early costs 270 days of interest.
Fixed Cash ISA 2 year (annual interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£500
Max
£2,000,000
Rate as of
 Deposits allowed in the first 21 days only; closing or transferring out early costs 180 days of interest. Interest paid yearly at 4.10% gross, into this account, another Ford Money account, or your connected bank account.
Fixed Cash ISA 2 year (monthly interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.02% gross, into this account, another Ford Money account, or your connected bank account. Deposits allowed in the first 21 days only; closing or transferring out early costs 180 days of interest.
Fixed Cash ISA 1 year (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 Deposits allowed in the first 21 days only; closing or transferring out early costs 90 days of interest. Interest paid yearly at 4.00% gross, into this account, another Ford Money account, or your connected bank account.
Fixed Cash ISA 1 year (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 3.93% gross, into this account, another Ford Money account, or your connected bank account. Deposits allowed in the first 21 days only; closing or transferring out early costs 90 days of interest.
Flexible Cash ISA (annual interest)
Access
Easy access
Rate
3.79% AER, variable
Min
£1
Max
£2,000,000
Rate as of
 Interest paid yearly at 3.79% gross, into this account, another Ford Money account, or your connected bank account. Unlimited penalty-free withdrawals, and money replaced in the same tax year does not use more allowance.
Flexible Cash ISA (monthly interest)
Access
Easy access
Rate
3.79% AER, variable
Min
£1
Max
£2,000,000
Rate as of
 Interest paid monthly at 3.73% gross, into this account, another Ford Money account, or your connected bank account. Unlimited penalty-free withdrawals, and money replaced in the same tax year does not use more allowance.

Source: Ford Money cash ISA pages, 2026-08-17 Ford Money'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 .
Tax

FATCA

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. 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.