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US citizens in the UK · Institutions

Which Investec accounts accept US citizens

Last checked

Investec has been checked for US citizens across 3 account types. 2 are open to a US person (1 with strings) and 1 is not on offer, whatever your nationality.

If you already have an account with Investec, a second one there is usually the easier application, because Investec 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 Investec Save Accepts US citizens 4
Brokerage accounts Investec Wealth and Investment Not offered —
Mortgages Accepts with conditions 1

Savings accounts

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Investec Save

Accepts US citizens
Updated

Published eligibility is a UK address and phone, a UK bank account and UK photo ID, with no sole-tax-residency condition; expect a minimum deposit around £5,000. The US taxes the interest as ordinary income.

FSCS £120,000 · online

Account Terms The catch
3 Year Fixed Rate Saver
Access
Fixed term
Rate
5.00% AER, fixed
Term
3 years
Min
£5,000
Max
£250,000
Rate as of
 Needs £5,000 to open, sole accounts only, and locks the money away for three years.
1 Year Fixed Rate Saver
Access
Fixed term
Rate
4.70% AER, fixed
Term
1 year
Min
£5,000
Max
£250,000
Rate as of
 Needs £5,000 to open, must be funded within seven days, and no withdrawals during the term.
90 Day Notice Saver
Access
Notice
Rate
4.00% AER, variable
Min
£5,000
Max
£250,000
Rate as of
 Needs £5,000 and 90 days notice; below £5,000 you earn nothing at all.
Online Flexi Saver
Access
Easy access
Rate
3.79% AER, variable
Min
£5,000
Max
£250,000
Rate as of
 Below £5,000 you earn nothing at all.

Source: Investec savings rates, 2026-08-17 Investec Save's own page

Brokerage accounts

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Investec Wealth and Investment

Not offered
Updated

There is no longer an Investec Wealth and Investment UK to apply to. The business joined Rathbones Group in 2023 and client investments have migrated across, so a US citizen should read the Rathbones row and its US taxpayer service instead.

Business migrated to Rathbones

Source: Rathbones guidance on the Investec Wealth and Investment migration, 2026-08-17 Investec Wealth and Investment's own page

Mortgages

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Accepts with conditions
Updated

US persons: income of £300,000 a year and net worth of £3,000,000

Investec screens on wealth rather than nationality, and will consider income and assets held outside sterling, including bonuses and carried interest. The catch for a dollar earner is that it lends in sterling only, so the currency risk stays with you.

Private bank or broker · income £300,000, net worth £3,000,000, lending from £1,000,000

Account Terms The catch
Private client residential mortgage
Term
2 to 5 year deals, term up to 35 years
Max LTV
95% in some cases, depending on circumstances
Rate as of
 No rates are published and every case is priced individually. Lending runs from £1,000,000 to £10,000,000, on repayment, interest only or part and part, and is advanced in sterling only.

Source: Investec private client mortgage pages, 2026-08-17 Investec'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

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.