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US citizens in the UK · Institutions

Which Leeds Building Society accounts accept US citizens

Last checked

Leeds Building Society has been checked for US citizens across 4 account types. 3 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 Leeds Building Society, a second one there is usually the easier application, because Leeds Building Society 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 4
Cash ISAs Accepts US citizens 13
Mortgages Accepts with conditions 2
Junior cash ISAs Not offered —

Savings accounts

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Accepts US citizens
Updated

Opens to UK residents aged 18 or over, with routine reporting questions covering tax residency and US citizenship; some accounts are branch or post only, so pick an online saver to apply from home. The US taxes the interest as ordinary income.

FSCS £120,000 · online, branch or post

Account Terms The catch
5 Year Fixed Rate Bond (Issue 718)
Access
Fixed term
Rate
4.65% AER, fixed
Term
5 years
Min
£100
Max
£1,000,000
Rate as of
 No withdrawals until 3 November 2031.
1 Year Fixed Rate Bond (Issue 712)
Access
Fixed term
Rate
4.50% AER, fixed
Term
1 year
Min
£100
Max
£1,000,000
Rate as of
 Nothing comes out until 5 October 2027, deposits are only accepted up to 4 October 2026, and below £100 the rate drops to 0.05%.
Regular Saver (Issue 81)
Access
Regular saver
Rate
4.45% AER, variable
Min
£100
Max
£6,000
Rate as of
 Up to £250 a month to a £6,000 ceiling, with one free withdrawal a year.
Online Access Saver (Issue 22)
Access
Easy access
Rate
4.20% AER, variable
Min
£1,000
Max
£1,000,000
Rate as of
 Needs £1,000 in it at all times or the rate falls to 0.05%, and withdrawals only go to a nominated account.

Source: Leeds Building Society savings rates, 2026-08-17 Leeds Building Society's own page

Cash ISAs

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Accepts US citizens
Updated

Eligibility on every cash ISA reads that you must be 18 or over and a UK resident for tax purposes, or a Crown employee serving overseas or their spouse. No sole-residency test and no US-person bar. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only

Account Terms The catch
5 Year Fixed Rate Cash ISA (Issue 179) (annual interest)
Access
Fixed term
Rate
4.60% AER, fixed
Term
5 years
Min
£100
Max
£1,000,000
Rate as of
 Withdrawals cost 365 days' interest. Interest paid annually.
5 Year Fixed Rate Cash ISA (Issue 179) (monthly interest)
Access
Fixed term
Rate
4.60% AER, fixed
Term
5 years
Min
£100
Max
£1,000,000
Rate as of
 Withdrawals cost 365 days' interest. Interest paid monthly at the same 4.60% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 20).
1 Year Fixed Rate Cash ISA (Issue 240) (annual interest)
Access
Fixed term
Rate
4.50% AER, fixed
Term
1 year
Min
£100
Max
£1,000,000
Rate as of
 Withdrawals cost 90 days' interest. Interest paid annually.
2 Year Fixed Rate Cash ISA (Issue 228) (annual interest)
Access
Fixed term
Rate
4.50% AER, fixed
Term
2 years
Min
£100
Rate as of
 Withdrawals cost 180 days' interest. Interest paid annually.
3 Year Fixed Rate Cash ISA (Issue 184) (annual interest)
Access
Fixed term
Rate
4.50% AER, fixed
Term
3 years
Min
£100
Rate as of
 Withdrawals cost 270 days' interest. Interest paid annually.
1 Year Fixed Rate Cash ISA (Issue 240) (monthly interest)
Access
Fixed term
Rate
4.50% AER, fixed
Term
1 year
Min
£100
Max
£1,000,000
Rate as of
 Withdrawals cost 90 days' interest. Interest paid monthly at the same 4.50% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 20).
2 Year Fixed Rate Cash ISA (Issue 228) (monthly interest)
Access
Fixed term
Rate
4.50% AER, fixed
Term
2 years
Min
£100
Max
£1,000,000
Rate as of
 Withdrawals cost 180 days' interest. Interest paid monthly at the same 4.50% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 18).
3 Year Fixed Rate Cash ISA (Issue 184) (monthly interest)
Access
Fixed term
Rate
4.50% AER, fixed
Term
3 years
Min
£100
Max
£1,000,000
Rate as of
 Withdrawals cost 270 days' interest. Interest paid monthly at the same 4.50% AER/tax-free; Leeds sells this as a separate Fixed Rate Monthly Income Cash ISA (Issue 18).
Online Access Cash ISA (Issue 21)
Access
Easy access
Rate
4.16% AER, variable
Min
£1,000
Max
£1,000,000
Rate as of
 Online only, and the opening deposit is the only cheque payment allowed.
1 Year Single Access Cash ISA (Issue 6)
Access
Easy access
Rate
3.90% AER, variable
Min
£1,000
Rate as of
 One withdrawal per calendar year, and it opens in branch or by post only.
Six Access ISA
Access
Easy access
Rate
3.10% AER, variable
Min
£1,000
Rate as of
 Up to six withdrawals per calendar year, and it opens in branch or by post only.
ISA Saver
Access
Easy access
Rate
1.45% AER, variable
Min
£1
Rate as of
 Unlimited withdrawals, but it opens in branch or by post only.
E-ISA
Access
Easy access
Rate
1.45% AER, variable
Min
£1
Rate as of
 Online only, with unlimited withdrawals.

Source: Leeds Building Society cash ISAs, 2026-08-17 Leeds Building Society's own page

Mortgages

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Accepts with conditions
Updated

US persons: indefinite leave to remain, two years here, and sterling income taxed in the UK

Nationality is not the test. Leeds asks non-UK citizens for indefinite leave to remain or a right to reside, wants the permanent right evidenced for non-EU nationals, and requires two years living here with all income paid in sterling and taxed in the UK.

Direct or through a broker · indefinite leave to remain and two years in the UK

Account Terms The catch
5 year fixed
Rate
4.96%, fixed
Then
8.24% standard variable rate
Term
Fixed to 30 November 2031
Max LTV
90%
Product fee
£999
Rate as of
 First time buyer, free valuation, cashback available.
2 year fixed
Rate
5.00%, fixed
Then
8.24% standard variable rate
Term
Fixed to 30 November 2028
Max LTV
90%
Product fee
£999
Rate as of
 First time buyer, free valuation, cashback available. Some Leeds deals revert first to the standard variable rate less 0.75% before moving to the full rate.

Source: Leeds mortgage lending criteria and guidance, 2026-08-17 Leeds Building Society's own page

Junior cash ISAs

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Not offered
Updated

Leeds does not offer a Junior ISA; its only children's account is the Young Saver, a taxable savings account. Its Child Trust Fund page tells holders who want a Junior ISA to transfer to a different provider.

Source: Leeds Building Society Child Trust Fund and children's savings pages, 2026-09-11 Leeds Building Society'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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