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US citizens in the UK · Institutions

Which Lloyds Bank accounts accept US citizens

Last checked

Lloyds Bank has been checked for US citizens across 8 account types. 7 are open to a US person (2 with strings) and 1 is closed.

If you already have an account with Lloyds Bank, a second one there is usually the easier application, because Lloyds Bank 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
Current accounts Accepts US citizens 2
Savings accounts Accepts US citizens 6
Cash ISAs Accepts US citizens 7
Stocks & shares ISAs Declines US citizens —
Mortgages Accepts US citizens 2
Credit cards Accepts with conditions 3
Multi-currency accounts Lloyds Bank International Accepts with conditions 1
Junior cash ISAs Accepts US citizens 1

Current accounts

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Accepts US citizens
Updated

Accepts US persons with a UK address; a Lloyds International account is also available.

FSCS £120,000 · app, online or branch

Account Terms The catch
Classic Account
Monthly fee
Free
Interest
None
Abroad
2.99% conversion fee, plus £0.50 a purchase and £1.50 a cash withdrawal
 —
Club Lloyds
Monthly fee
£5 a month, refunded any month you pay in £2,000 or more
Interest
0.75% AER up to £3,999.99 and 3.00% AER from £4,000 to £5,000, nothing above
Abroad
No Lloyds fees on spending or cash withdrawals abroad
 Interest needs two different direct debits going out each month.

Source: Expat Tax Online; Greenback, 2026-06-19 Lloyds Bank's own page

Savings accounts

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Accepts US citizens
Updated

Lloyds asks only that you are 16 or over and a UK resident, with no sole-tax-residency condition and nothing in its published eligibility excluding US citizens. The US taxes the interest as ordinary income.

FSCS £120,000 · online, app or branch

Account Terms The catch
Monthly Saver
Access
Regular saver
Rate
8.00% AER, fixed
Term
1 year
Min
£25 a month
Max
£3,000
Rate as of
 Needs a Lloyds current account, and Club Lloyds or Premier customers open the Club Lloyds Monthly Saver instead. Pay in £25 to £250 a month for 12 months, then it becomes a Standard Saver.
Lend a Hand Fixed Savings Account
Access
Fixed term
Rate
5.00% AER, fixed
Term
3 years
Min
10% of the purchase price
Rate as of
 Only for helping a family member buy their first home through the Lend a Hand Mortgage Scheme, and you or the buyer need a Club Lloyds or Lloyds Premier current account. No withdrawals while it secures the mortgage.
Online Fixed Bond (2 years)
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
None stated
Rate as of
 Withdrawals only by closing the account, and charges apply. Interest is paid after each year.
Online Fixed Bond (1 year)
Access
Fixed term
Rate
3.80% AER, fixed
Term
1 year
Min
£500
Max
None stated
Rate as of
 A Lloyds Premier current account open at least 8 days adds 0.20%. Withdrawals only by closing the account, and charges apply.
Limited Access Saver
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Max
£9,000,000
Rate as of
 Top rate only with 2 or fewer withdrawals a year; a third drops you to 0.65%. Becomes a Standard Saver after a year.
Easy Saver
Access
Easy access
Rate
1.00% AER, variable
Min
£1
Max
None stated
Rate as of
 The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%. Unlimited withdrawals, and after 12 months it becomes a Standard Saver.

Source: Lloyds Bank easy saver, 2026-08-17 Lloyds Bank's own page

Cash ISAs

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Accepts US citizens
Updated

The cash ISA test is being 18 or over, resident in the UK for tax purposes and holding a National Insurance number, with only the Crown employee extension added. There is no requirement to be tax resident nowhere else. The IRS still taxes the interest as US income, as the wrapper gives no US relief. One caution before you rely on the terms alone: Lloyds published Junior Cash ISA conditions carry no US test either, yet a parent applying for a US citizen child has been refused, which reads as a screen applied at the counter rather than in the contract. Ask before you count on a yes.

FSCS £120,000 · online, app, phone or branch

Account Terms The catch
2 Year Fixed Rate Cash ISA (annual interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£500
Rate as of
 No withdrawals, and closing early costs 180 days of interest. Interest paid at the end of the term.
2 Year Fixed Rate Cash ISA (monthly interest)
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£500
Rate as of
 No withdrawals, and closing early costs 180 days of interest. Interest paid monthly instead of at the end of the term; Lloyds states the same 4.10% AER/tax-free rather than a separate monthly figure.
1 Year Fixed Rate Cash ISA (annual interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Rate as of
 No withdrawals, and closing early costs 90 days of interest. Interest paid at the end of the term. Get an extra 0.20% AER/tax-free with a Lloyds Premier current account open at least 8 days.
1 Year Fixed Rate Cash ISA (monthly interest)
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Rate as of
 No withdrawals, and closing early costs 90 days of interest. Interest paid monthly instead of at the end of the term; Lloyds states the same 4.00% AER/tax-free rather than a separate monthly figure. Get an extra 0.20% AER/tax-free with a Lloyds Premier current account open at least 8 days.
Club Lloyds Advantage ISA Saver
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Rate as of
 Needs a qualifying Club Lloyds current account and no more than two withdrawals a year, otherwise 0.65%.
Limited Access ISA
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Rate as of
 Top rate only with 2 or fewer withdrawals a year; a third drops you to 0.65%. Becomes an Instant Cash ISA after a year.
Cash ISA Saver
Access
Easy access
Rate
1.00% AER, variable
Min
£1
Rate as of
 The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%. A Club Lloyds, Premier or Private Banking current account adds 0.20%, and it becomes an Instant Cash ISA after a year.

Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24 Lloyds Bank's own page

Stocks & shares ISAs

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Declines US citizens
Updated

Lloyds share dealing runs on the Halifax Share Dealing platform and carries the identical clause barring US persons, US citizens and US tax residents. Three brands, one platform, one answer, and the fees differ while the eligibility does not.

FSCS £85,000 · runs on Halifax Share Dealing, one platform with Halifax and Scottish Widows

Source: Lloyds share dealing terms, section 4.1, 2026-08-17 Lloyds Bank's own page

Mortgages

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Accepts US citizens
Updated

Read this row and the Halifax one as one lender. Lloyds says on its own rates page that new Lloyds mortgages are provided by Bank of Scotland plc, and the products match Halifax exactly, down to the rate and the fee. Lloyds publishes no nationality, visa or foreign currency rule of its own, so the terms that apply are the group criteria in the Halifax row: a dollar salary taken with a fifth off, and no particular visa type required once you pass the residency test.

Direct · new Lloyds mortgages are written by Bank of Scotland plc

Account Terms The catch
2 year tracker
Rate
4.06%, tracker
Then
7.24% Lloyds homeowner variable rate
Term
Fixed to 30 November 2028
Max LTV
60%
Product fee
£1,499
Rate as of
 Base rate plus 0.31%, the identical product Halifax sells as UCV540 at the same fee.
2 year fixed
Rate
4.59%, fixed
Then
7.24% Lloyds homeowner variable rate
Term
Fixed to 30 November 2028
Max LTV
60%
Product fee
£999
Rate as of
 A fee free version is available, and Club Lloyds current account holders get 4.54%. Minimum deposit 5% across the range.

Source: Lloyds mortgage rates page and Halifax Intermediaries criteria, 2026-08-17 Lloyds Bank's own page

Credit cards

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Accepts with conditions
Updated

US persons: three years of UK address history

No nationality test, only UK residence, being 18 or over and a regular income. The strings are in the form, which wants three years of UK address history, and in the credit builder card, which needs three years of UK residency plus a group current account held over a year. Note MBNA, Halifax and Bank of Scotland are the same group.

Direct · one group with Halifax, Bank of Scotland and MBNA

Account Terms The catch
Lloyds Ultra Credit Card
Representative APR
14.9% APR representative
Card fee
Free
Abroad
No foreign transaction fee
Rate as of
 The advertised rate goes to at least 51% of accepted applicants, so a thin file may be offered worse. Earns 1% cashback on card purchases in the first year from account opening, then 0.25%.
Lloyds Advance Credit Card
Representative APR
29.9% APR representative
Card fee
Free
Abroad
No foreign exchange fee
Rate as of
 Needs three years of UK residency and a group current account held for over a year, so it is not a route in.
Lloyds World Elite Mastercard
Representative APR
55.0% APR representative
Card fee
£15 a month
Abroad
No foreign exchange fees on card purchases (interest charges still apply).
Rate as of
 The 55.0% representative APR reflects the £15 monthly account fee; the purchase interest rate itself is 22.94%. Cashback card: 0.5% on purchases up to £15,000 a year, 1% above that. Comes with Priority Pass airport lounge access and airport security fast track. Same base eligibility as Lloyds' other cards: UK resident, 18 or over, regular income, clean credit history.

Source: Lloyds Bank credit card application guidance, 2026-08-17 Lloyds Bank's own page

Multi-currency accounts

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Lloyds Bank International

Accepts with conditions
Updated

Lloyds Bank UK has no personal currency account, so the multi-currency route is Lloyds Bank International in Jersey, where cover is the Jersey scheme at £50,000 rather than FSCS. UK residents are eligible and citizenship is not a bar.

Jersey scheme £50,000, not FSCS · app, online or phone

Account Terms The catch
International Classic account
Monthly fee
£5 a month per currency account, waived at £5,000
Interest
None
Currencies
Sterling, euro and US dollar
Cost to convert
No conversion fee on card spending; the margin between accounts is not published
Rate as of
 International payments carry a £12 to £20 correspondent bank fee if you pay all charges.

Source: Lloyds Bank International classic account, 2026-08-17 Lloyds Bank International's own page

Junior cash ISAs

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Accepts US citizens
Updated

The published terms set no US test: the child must be resident in the UK and the parent 16 or over, UK resident and holding parental responsibility. Even so, a parent applying for a US citizen child has been refused, which reads as a screen applied at the counter rather than in the contract, so ask before counting on a yes.

FSCS £120,000 · open online or in the app, managed in branch

Account Terms The catch
Junior Cash ISA
Access
Fixed term
Rate
2.35% AER, variable
Term
no withdrawals until the child turns 18
Min
£1
Max
£9,000 a tax year across all the child's junior ISAs
Rate as of
 Tax-free on balances of £1 or more; paid each year on 31 March

Source: Lloyds Bank Junior Cash ISA page and Junior Cash ISA conditions, 2026-09-11 Lloyds Bank'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 .
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

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

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.