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US citizens in the UK · Institutions

Which Hampden & Co accounts accept US citizens

Last checked

Hampden & Co has been checked for US citizens across 2 account types. Both are open to a US person.

If you already have an account with Hampden & Co, a second one there is usually the easier application, because Hampden & Co 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

Current accounts

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Opens

The client agreement asks only that you are 16 or over and resident in the UK, with no wealth minimum and no US restriction anywhere in the terms. There is no monthly fee, but you pay per transaction, so the cost depends on how much you move rather than what you hold.

FSCS £120,000 · relationship managed, from London and Edinburgh

Account Terms The catch
Personal Current Account
Monthly fee
Free
Interest
None
Abroad
2.75% on card payments in a foreign currency and on foreign cash withdrawals, minimum £1 and maximum £15
 No monthly fee, but charges apply per transaction, including £1.50 a faster payment, £25 a CHAPS and £35 a SWIFT payment.

Source: Hampden & Co client agreement and tariff, 2026-08-17 Last checked Hampden & Co's own page

Savings accounts

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Opens

Hampden publishes an indicative sterling deposit rate sheet and says your banker confirms the final rate. Its terms require a Hampden current account to open any deposit account, so this is for clients rather than the public. The US taxes the interest as ordinary income.

FSCS £120,000 · relationship managed · Hampden current account required

Account Terms The catch
95-Day Notice Account
Access
Notice
Rate
3.30% AER, variable
Term
95 days notice
Min
£50,000
Rate as of
 Sterling only, £50,000 to open, and you must hold a Hampden sterling current account for all movements.
Term Account
Access
Fixed term
Rate
3.56% AER, fixed
Term
1 year
Min
£50,000
Rate as of
 Indicative, rising to 4.02% above £3,000,000. One deposit per account and no withdrawals during the term.
Call Account
Access
Easy access
Rate
0.75% AER, variable
Rate as of
 Tiered, rising to 1.87% above £1,000,000. Needs a Hampden current account in the same currency.

Source: Hampden & Co deposit rates, 2026-08-17 Last checked Hampden & Co'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.