momo
US citizens in the UK · Institutions

Which M&S Bank accounts accept US citizens

Last checked

M&S Bank offers a credit card to a US person.

If you already have an account with M&S Bank, a second one there is usually the easier application, because M&S Bank 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
Credit cards Opens

Credit cards

Compare with other providers
Opens

Still on sale, with HSBC as the lender behind the M&S name. The published bar is being 18 or over, living in the UK, and an income or pension of at least £6,800, with no citizenship test anywhere in it.

HSBC UK Bank, trading as M&S Bank

Account Terms The catch
M&S Rewards Credit Card
Representative APR
23.9% APR representative
Card fee
Free
Abroad
2.99%, minimum £3
 Needs an income or pension of at least £6,800 and an M&S account to apply.
Purchase Plus
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.99%, minimum £3
 No interest on purchases for up to 26 months.

Source: M&S Bank credit card pages, 2026-08-17 Last checked M&S Bank'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.