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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 4 account types. 2 are open to a US person and 2 are 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 last updated.

At a glance

Account type Verdict Accounts Updated
Savings accounts Accepts US citizens 15
Cash ISAs Accepts US citizens 3
Mortgages Not offered —
Junior cash ISAs Not offered —

Savings accounts

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Accepts US citizens
Updated

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.
13 Month Fixed Rate Bond Issue 3
Access
Fixed term
Rate
4.92% 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.
3 Year Fixed Rate Bond Issue 32
Access
Fixed term
Rate
4.92% 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.
2 Year Fixed Rate Bond Issue 51
Access
Fixed term
Rate
4.91% 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.
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.
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.
60 Day Notice Account Issue 75 (annual interest)
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 annually at 4.25% gross.
60 Day Notice Account Issue 75 (monthly interest)
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 at 4.17% gross.
Limited Access Saver Issue 3 (annual interest)
Access
Easy access
Rate
4.21% AER, variable
Min
£1
Rate as of
 Online only, with three withdrawals allowed in 12 months. Interest paid annually at 4.21% gross.
Limited Access Saver Issue 3 (monthly interest)
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 at 4.13% gross.
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.
Easy Access Savings Account Issue 16 (annual interest)
Access
Easy access
Rate
3.75% AER, variable
Min
£1
Rate as of
 Opens online. Interest paid annually at 3.75% gross.
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.
Easy Access Savings Account Issue 16 (monthly interest)
Access
Easy access
Rate
3.75% AER, variable
Min
£1
Rate as of
 Opens online. Interest paid monthly at 3.69% gross.
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.

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

Cash ISAs

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Accepts US citizens
Updated

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 Kent Reliance's own page

Mortgages

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Not offered
Updated

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 Kent Reliance's own page

Junior cash ISAs

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Not offered
Updated

Kent Reliance, part of OSB, lists no Junior ISA in its product range or on its interest rates page; its children's account is the Demelza Children's Savings Account, opened by post or in branch. Its product page still says new ISA applications are paused online and can be made in branch only.

Source: Kent Reliance all products page, 2026-09-11 Kent Reliance'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

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FBAR

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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.

 Tax

Saving for a child

How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.