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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 3 account types. All 3 are open to a US person (1 with strings).

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 checked.

At a glance

Account Verdict Last checked
Savings accounts Opens
Cash ISAs Opens
Mortgages With strings

Savings accounts

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Opens

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 715)
Access
Fixed term
Rate
4.60% AER, fixed
Term
5 years
Min
£100
Max
£1,000,000
Rate as of
 No withdrawals until 1 October 2031, and deposits are only accepted up to 30 September 2026.
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 Last checked Leeds Building Society's own page

Cash ISAs

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Opens

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)
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 or annually at the same AER.
1 Year Fixed Rate Cash ISA (Issue 240)
Access
Fixed term
Rate
4.50% AER, fixed
Term
1 year
Min
£100
Max
£1,000,000
Rate as of
 Deposits and transfers in only until 4 October 2026, and withdrawals cost 90 days' interest. Interest paid monthly or annually at the same AER.
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.
2 Year Fixed Rate Cash ISA (Issue 228)
Access
Fixed term
Rate
4.50% AER, fixed
Term
2 years
Min
£100
Rate as of
 Withdrawals cost 180 days' interest. Interest paid monthly or annually at the same AER.
3 Year Fixed Rate Cash ISA (Issue 184)
Access
Fixed term
Rate
4.50% AER, fixed
Term
3 years
Min
£100
Rate as of
 Withdrawals cost 270 days' interest. Interest paid monthly or annually at the same AER.
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 Last checked Leeds Building Society's own page

Mortgages

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With strings

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
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.
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.

Source: Leeds mortgage lending criteria and guidance, 2026-08-17 Last checked Leeds Building Society'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.