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US citizens in the UK · Institutions

Which Kent Reliance accounts accept US citizens

Last checked

Kent Reliance has been checked for US citizens across 3 account types. 2 are open to a US person and 1 is not on offer, whatever your nationality.

If you already have an account with Kent Reliance, a second one there is usually the easier application, because Kent Reliance 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
Savings accounts Opens
Cash ISAs Opens
Mortgages Not offered

Savings accounts

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Opens

Kent Reliance asks only that you are 18 or over and reside in the UK, with no sole-tax-residency condition and no US-person exclusion in its savings conditions. The US taxes the interest as ordinary income.

FSCS £120,000 via OneSavings Bank · online, post or Kent branches

Account Terms The catch
Regular Savings Account Issue 12
Access
Regular saver
Rate
5.10% AER, variable
Min
£25 a month
Max
£500 a month
Rate as of
 Branch only to open, £500 a month cap, and it becomes an easy access account after a year.
Limited Access Saver Issue 3
Access
Easy access
Rate
4.21% AER, variable
Min
£1
Rate as of
 Online only, with three withdrawals allowed in 12 months. Interest paid monthly or annually at the same AER.
60 Day Notice Account Issue 75
Access
Notice
Rate
4.25% AER, variable
Min
£1,000
Max
£1,000,000
Rate as of
 Branch only to open, withdrawals need 60 days' notice, and below £1,000 the rate is 0.10%. Interest paid monthly or annually at the same AER.
Easy Access Savings Account Issue 16
Access
Easy access
Rate
3.75% AER, variable
Min
£1
Rate as of
 Opens online. Interest paid monthly or annually at the same AER.
New Monthly Income Saver Issue 1
Rate
3.75% AER, variable
Min
£10,000
Rate as of
 Branch only to open, with a £10,000 minimum, and interest is paid monthly.
New 35 Day Notice Account Issue 1
Access
Notice
Rate
4.05% AER, variable
Min
£1,000
Rate as of
 Branch only to open, and withdrawals need 35 days' notice. You can choose monthly or annual interest.
New Branch Easy Access Saver Issue 1
Access
Easy access
Rate
3.20% AER, variable
Min
£1,000
Rate as of
 Branch only to open, with a £1,000 minimum. You can choose monthly or annual interest.
6 Month Fixed Rate Bond Issue 1
Access
Fixed term
Rate
4.41% AER, fixed
Term
6 months
Min
£1,000
Rate as of
 Opens online, and it must be funded within 14 days. You can choose monthly or annual interest.
9 Month Fixed Rate Bond Issue 1
Access
Fixed term
Rate
4.42% AER, fixed
Term
9 months
Min
£1,000
Rate as of
 Opens online, and it must be funded within 14 days. You can choose monthly or annual interest.
13 Month Fixed Rate Bond Issue 1
Access
Fixed term
Rate
4.83% AER, fixed
Term
13 months
Min
£1,000
Rate as of
 Opens online, and it must be funded within 14 days. You can choose monthly or annual interest.
2 Year Fixed Rate Bond Issue 50
Access
Fixed term
Rate
4.87% AER, fixed
Term
2 years
Min
£1,000
Rate as of
 Opens online, and it must be funded within 14 days. You can choose monthly or annual interest.
3 Year Fixed Rate Bond Issue 31
Access
Fixed term
Rate
4.90% AER, fixed
Term
3 years
Min
£1,000
Rate as of
 Opens online, and it must be funded within 14 days. You can choose monthly or annual interest.

Source: Kent Reliance savings rates, 2026-08-17 Last checked Kent Reliance's own page

Cash ISAs

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Opens

The cash ISA declaration uses standard HMRC wording on UK tax residency and adds no sole-residency test or US-person bar. Online ISA applications are currently paused, so these are branch only for now. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 via OneSavings Bank, a separate licence from Charter · branch only while online ISA applications are paused

Account Terms The catch
Two year fixed rate cash ISA
Access
Fixed term
Rate
4.68% AER, fixed
Term
2 years
Min
£1,000
Rate as of
 Branch customers only, and early access carries a charge.
Three year fixed rate cash ISA
Access
Fixed term
Rate
4.60% AER, fixed
Term
3 years
Min
£1,000
Rate as of
 Branch customers only, and early access carries a charge.
Easy access cash ISA
Access
Easy access
Rate
4.24% AER, variable
Min
£1
Rate as of
 Branch customers only, and the headline rate needs £1,000 or more, otherwise 0.10%.

Source: Kent Reliance ISA declaration, 2026-08-17 Last checked Kent Reliance's own page

Mortgages

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Not offered

Nothing to apply for. Kent Reliance withdrew all residential and buy to let products on 17 December 2025, and its owner OSB Group moved residential lending to Precise. Existing borrowers can still switch products. Anyone pointed this way should read the Precise row instead.

Closed to new business · existing borrowers can still switch products

Source: Kent Reliance for intermediaries, 2026-08-17 Last checked Kent Reliance'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.

 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.