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US citizens in the UK · Institutions

Which Halifax accounts accept US citizens

Last checked

Halifax has been checked for US citizens across 10 account types. 7 are open to a US person (2 with strings), 2 are closed and 1 is not on offer, whatever your nationality.

If you already have an account with Halifax, a second one there is usually the easier application, because Halifax 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
Current accounts Accepts US citizens 3
Savings accounts Accepts US citizens 9
Cash ISAs Accepts US citizens 9
Stocks & shares ISAs Halifax Share Dealing Declines US citizens —
Brokerage accounts Halifax Share Dealing Declines US citizens —
Mortgages Accepts US citizens 2
Credit cards Accepts with conditions 3
Junior cash ISAs Accepts US citizens 1
Junior stocks & shares ISAs Halifax Share Dealing Accepts with conditions 1
Junior SIPPs Halifax Share Dealing Not offered —

Current accounts

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Accepts US citizens
Updated

Halifax asks that you are 18 or over and resident in the UK, with no tax-residency test and no US exclusion. The Halifax brand is moving to Lloyds, so applicants who do not use the Halifax app are being pointed at Lloyds accounts.

FSCS £120,000 · Halifax app, or online for existing customers

Account Terms The catch
Current Account
Monthly fee
Free
Interest
None
Abroad
2.99% conversion fee, plus £0.50 a payment and £1.50 a cash withdrawal
 —
Reward Current Account
Monthly fee
£3 a month, refunded any month you pay in £1,500 or more
Interest
1.50% AER up to £3,999.99 and 3.00% AER from £4,000 to £5,000, nothing above
Abroad
No Halifax fees on spending or cash withdrawals abroad
 Two separate direct debits must go out each calendar month.
Ultimate Reward Current Account
Monthly fee
£19 a month
Interest
None
Abroad
No Halifax fees on spending or cash withdrawals abroad
 —

Source: Halifax current accounts, 2026-08-17 Halifax's own page

Savings accounts

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Accepts US citizens
Updated

Halifax asks only that you are 16 or over and resident in the UK, with no sole-tax-residency wording and no US-person bar; most accounts open without a Halifax current account. Note the FSCS limit is shared with Bank of Scotland, so holding money at both does not double your cover. The US taxes the interest as ordinary income.

FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch

Account Terms The catch
Regular Saver
Access
Regular saver
Rate
8.00% AER, fixed
Min
£25 a month
Max
£250 a month
Rate as of
 Pay in £25 to £250 a month; no withdrawals unless you close it, and an Everyday Saver opens alongside.
Fixed Saver (2 year) (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
£9,000,000
Rate as of
 Deposits only in the first 10 days, no withdrawals, and closing early costs 180 days of interest. Interest paid annually.
Fixed Saver (5 year) (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
5 years
Min
£500
Max
£9,000,000
Rate as of
 Deposits only in the first 10 days, no withdrawals, and closing early costs 365 days of interest. Interest paid annually.
Fixed Saver (2 year) (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
£9,000,000
Rate as of
 Deposits only in the first 10 days, no withdrawals, and closing early costs 180 days of interest. Interest paid monthly, at 3.93% gross rather than the 4.00% gross paid annually.
Fixed Saver (5 year) (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
5 years
Min
£500
Max
£9,000,000
Rate as of
 Deposits only in the first 10 days, no withdrawals, and closing early costs 365 days of interest. Interest paid monthly, at 3.93% gross rather than the 4.00% gross paid annually.
Fixed Saver (annual interest)
Access
Fixed term
Rate
3.80% AER, fixed
Term
1 year
Min
£500
Max
£9,000,000
Rate as of
 No withdrawals during the term, and closing early carries a charge. Interest paid annually.
Fixed Saver (monthly interest)
Access
Fixed term
Rate
3.80% AER, fixed
Term
1 year
Min
£500
Max
£9,000,000
Rate as of
 No withdrawals during the term, and closing early carries a charge. Interest paid monthly, at 3.74% gross rather than the 3.80% gross paid annually.
Bonus Saver
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Max
£9,000,000
Rate as of
 Two or fewer withdrawals in the account year, otherwise it drops to 0.65%.
Everyday Saver
Access
Easy access
Rate
1.00% AER, variable
Min
£1
Rate as of
 The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%, on the whole balance. After 12 months it becomes an Instant Saver.

Source: Halifax savings, 2026-08-17 Halifax's own page

Cash ISAs

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Accepts US citizens
Updated

Halifax asks that you are 18 or over, resident in the UK for tax purposes and have a National Insurance number. Its conditions repeat the statutory test and add only the Crown employee extension. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch

Account Terms The catch
ISA Saver Fixed (annual interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£500
Rate as of
 No withdrawals, and closing early costs at least 90 days of interest. Interest paid after each year.
ISA Saver Fixed (5 year) (annual interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
5 years
Min
£500
Rate as of
 Withdrawals only by closing or transferring the account, and charges apply. Interest paid after each year.
ISA Saver Fixed (monthly interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£500
Rate as of
 No withdrawals, and closing early costs at least 90 days of interest. Interest paid monthly instead of after each year; Halifax states the same 4.10% AER/tax-free rather than a separate monthly figure.
ISA Saver Fixed (5 year) (monthly interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
5 years
Min
£500
Rate as of
 Withdrawals only by closing or transferring the account, and charges apply. Interest paid monthly instead of after each year; Halifax states the same 4.10% AER/tax-free rather than a separate monthly figure.
ISA Saver Fixed (1 year) (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Rate as of
 Withdrawals only by closing or transferring the account, and charges apply. Interest paid after each year.
ISA Saver Fixed (1 year) (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Rate as of
 Withdrawals only by closing or transferring the account, and charges apply. Interest paid monthly instead of after each year; Halifax states the same 4.00% AER/tax-free rather than a separate monthly figure.
ISA Bonus Saver
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Rate as of
 Drops to 0.65% from the month of a third withdrawal in the twelve-month term.
ISA Reward Bonus Saver
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Rate as of
 Needs a qualifying Halifax current account. Drops to 0.65% from the month of a third withdrawal until the end of the account year.
ISA Saver Variable
Access
Easy access
Rate
1.00% AER, variable
Min
£1
Rate as of
 The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%, on the whole balance. It becomes an Instant ISA Saver after 12 months.

Source: Halifax cash ISAs, 2026-08-17 Halifax's own page

Stocks & shares ISAs

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Halifax Share Dealing

Declines US citizens
Updated

To open any account you must not be a US person, a US citizen, or US tax resident by any other route. That is a citizenship test, so living here does not help. Note that Halifax, Lloyds and Scottish Widows all run on the same platform and share this exact clause, so shopping between them on price achieves nothing if you are American.

FSCS £85,000 · Halifax Share Dealing Limited, one platform with Lloyds and Scottish Widows

Source: Halifax Share Dealing terms, section 4.1, 2026-08-17 Halifax Share Dealing's own page

Brokerage accounts

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Halifax Share Dealing

Declines US citizens
Updated

Halifax puts a citizenship test in its eligibility list beside the residence one, requiring that you are not a US person, a US citizen, or US tax resident by any other route. Both tests must be met, so living in Britain does not rescue it.

FSCS £85,000 investment cover · online and phone

Source: Halifax Share Dealing terms and conditions, 2026-08-17 Halifax Share Dealing's own page

Mortgages

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Accepts US citizens
Updated

The most permissive high street lender here on immigration, and it is worth reading the exact wording: once you meet its residency test there is no requirement to hold a particular type of visa, and no minimum validity left on it. That test is permanent right to reside, or five years in the UK, or one year on £50,000 income alone or £75,000 jointly, which reaches 95% loan to value. Fail all three and you are held to 75%. It takes a dollar salary with a fifth knocked off. Note this is Bank of Scotland plc trading as Halifax, the same book that writes new Lloyds mortgages, so the three brands are one chance rather than three.

Through a broker · one book with Lloyds and Bank of Scotland

Account Terms The catch
Home mover 2 year tracker
Rate
4.06%, tracker
Then
7.24% homeowner variable rate
Term
Fixed to 31 December 2028
Max LTV
60%
Product fee
£1,499
Rate as of
 Base rate plus 0.31%. The identical product is sold under the Lloyds brand at the same rate and fee, which is the clearest proof the two are one book.
Home mover 2 year fixed
Rate
4.59%, fixed
Then
7.24% homeowner variable rate
Term
Fixed to 31 December 2028
Max LTV
60%
Product fee
£999
Rate as of
 Loans from £25,000 to £2,000,000. A fee free version is 4.76%. Non-UK nationals reach 95% loan to value on the residency test, at higher rates than this tier.

Source: Halifax Intermediaries lending criteria, non-UK nationals and non-sterling income, 2026-08-17 Halifax's own page

Credit cards

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Accepts with conditions
Updated

US persons: app only for existing Halifax customers, and everyone else is sent to Lloyds

Halifax asks only that you are a UK resident aged 18 or over with a regular income, so citizenship is irrelevant here too. The live barrier is the brand move to Lloyds: new applications run through the Halifax app for people already registered for its online banking, and everyone else is pointed at Lloyds, which wants three years of UK address history.

Halifax app · one group with Lloyds, Bank of Scotland and MBNA

Account Terms The catch
Cashback Credit Card
Representative APR
23.9% APR representative
Card fee
Free
Abroad
A non-sterling purchase fee applies, but the rate is not published
Rate as of
 You can only apply through the Halifax app.
Halifax World Elite Mastercard
Representative APR
55.0% APR representative
Card fee
£15 a month
Abroad
No foreign exchange fees on card purchases.
Rate as of
 The 55.0% representative APR reflects the £15 monthly account fee; the purchase interest rate itself is 22.94%. Earns 0.5% cashback on spend up to £15,000 a year and 1% above that, plus Priority Pass airport lounge access. You can only apply through the Halifax app, as with the other Halifax cards.
Clarity Credit Card
Card fee
Free
Abroad
No non-sterling purchase fee
Rate as of
 The rate and credit limit are shown only after an eligibility check, so nothing is published in advance.

Source: Halifax credit cards pages, 2026-08-17 Halifax's own page

Junior cash ISAs

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Accepts US citizens
Updated

The parent must be 16 or over, UK resident and hold parental responsibility, and the child must be resident in the UK; the published terms set no US test. Halifax runs on the same Lloyds Banking Group terms as Lloyds, where a parent applying for a US citizen child was refused in branch, so ask before relying on it.

FSCS £120,000, shared with Bank of Scotland · open online or in the app, managed in branch

Account Terms The catch
Junior Cash ISA
Access
Fixed term
Rate
2.35% AER, variable
Term
no withdrawals until the child turns 18
Min
£1
Max
£9,000 a tax year across all the child's junior ISAs
Rate as of
 Tax-free on balances of £1 or more; paid each year on 5 April

Source: Halifax Junior Cash ISA page and savings account conditions, 2026-09-11 Halifax's own page

Junior stocks & shares ISAs

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Halifax Share Dealing

Accepts with conditions
Updated

US persons: nothing published about US persons either way, so ask before applying

Halifax's general Share Dealing terms bar a US person, US citizen or US tax resident, but the Junior Stocks and Shares ISA runs on its own standalone terms and conditions with a separate eligibility section, and that section tests only the child's age, UK residence and Child Trust Fund status, with no citizenship or US-person wording anywhere in it. The published terms set no US test, though Halifax, Lloyds and Scottish Widows share one platform and a Lloyds Junior Cash ISA parent was refused at the counter despite similarly silent terms, so this is worth confirming by phone before applying.

Account Terms The catch
Halifax Junior Stocks and Shares ISA
Annual fee
not itemised in the Junior ISA terms themselves; the general Halifax Share Dealing customer admin fee is £36 a year (£3 a month)
Dealing fee
£9.50 online dealing commission per trade on the general Halifax Share Dealing schedule; regular monthly investing has no dealing commission
Can hold
funds, UK and international shares
Individual shares
Yes
 —

Source: Halifax Junior Stocks and Shares ISA Terms and Conditions, Section 4.1 and 4.2, effective 20 January 2025, read 2026-09-11 Halifax Share Dealing's own page

Junior SIPPs

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Halifax Share Dealing

Not offered
Updated

Halifax does not sell a junior pension. Its 'Pick an account' list for share dealing runs to a Stocks & Shares ISA, a Share Dealing Account and a Self-Invested Personal Pension, an adult-only list with no Junior SIPP in it or anywhere else on the site.

Source: Halifax investing 'Pick an account' page, 2026-09-11 Halifax Share Dealing's own page

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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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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.

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PFIC

Almost every UK-domiciled fund is a PFIC, taxed by the US at punitive rates with heavy filing. This is why US citizens hold individual shares, not UK funds.

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