momo
US citizens in the UK · Institutions

Which Metro Bank accounts accept US citizens

Last checked

Metro Bank has been checked for US citizens across 4 account types. All 4 are open to a US person (1 with strings).

If you already have an account with Metro Bank, a second one there is usually the easier application, because Metro 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
Current accounts Opens
Savings accounts Opens
Cash ISAs Opens
Mortgages With strings

Current accounts

Compare with other providers
Opens

Metro Bank asks for 18 or over, UK residency and proof of identity and address. Its self-certification form has a place for the United States and a US tax number, so a US citizen is a reporting case rather than an excluded one.

FSCS £120,000 · branch and app

Account Terms The catch
Current Account
Monthly fee
Free
Interest
None
Abroad
2.99% on spending abroad, and 2.99% plus £1.50 on each cash withdrawal
 —

Source: Metro Bank current accounts, 2026-08-17 Last checked Metro Bank's own page

Savings accounts

Compare with other providers
Opens

Metro Bank's instant access savings asks only that you are 16 or over and resident in the UK, with no Metro current account required; its account-opening guidance expects some applicants to be tax resident elsewhere as well as the UK, and nothing published rules out US persons. The US taxes the interest as ordinary income.

FSCS £120,000 · online, app or in store

Account Terms The catch
Fixed Term Savings (3 year)
Access
Fixed term
Rate
3.75% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid monthly or annually at the same AER.
Instant Access Savings
Access
Easy access
Rate
0.90% AER, variable
Min
£1
Max
None stated
Rate as of
 —
Fixed Term Savings (1 year)
Access
Fixed term
Rate
3.70% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid monthly or annually at the same AER.
Fixed Term Savings (18 month)
Access
Fixed term
Rate
3.70% AER, fixed
Term
18 months
Min
£500
Max
£2,000,000
Rate as of
 One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid monthly or annually at the same AER.
Fixed Term Savings (6 month)
Access
Fixed term
Rate
2.01% AER, fixed
Term
6 months
Min
£500
Max
£2,000,000
Rate as of
 Opens in store or through Online Banking only, with no withdrawals after the first 14 days. The rate is for interest at maturity; monthly interest earns 2.00% AER.
Fixed Term Savings (3 month)
Access
Fixed term
Rate
2.02% AER, fixed
Term
3 months
Min
£500
Max
£2,000,000
Rate as of
 Opens in store or through Online Banking only, with no withdrawals after the first 14 days. The rate is for interest at maturity; monthly interest earns 2.00% AER.

Source: Metro Bank savings pages, 2026-08-17 Last checked Metro Bank's own page

Cash ISAs

Compare with other providers
Opens

Metro Bank's cash ISA conditions are being 18 or over with a National Insurance number and UK residence, plus a visa or residence permit if you are not a UK, EU, EEA or Swiss national. The ISA terms carry no US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · online or in store

Account Terms The catch
3 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
3.65% AER, fixed
Term
3 years
Min
£1
Rate as of
 Transfers in are allowed in the first 30 days only, and closing early costs 180 days of interest.
1 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
3.60% AER, fixed
Term
1 year
Min
£1
Rate as of
 Transfers in are allowed in the first 30 days only, and closing early costs 180 days of interest.
Instant Access Cash ISA
Access
Easy access
Rate
0.90% AER, variable
Min
£1
Rate as of
 You must supply a National Insurance number within 30 days or it converts to an ordinary savings account.
2 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
3.60% AER, fixed
Term
2 years
Min
£1
Rate as of
 You can pay in or transfer in only in the first 30 days, and closing early costs 180 days of interest.
5 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
3.65% AER, fixed
Term
5 years
Min
£1
Rate as of
 You can pay in or transfer in only in the first 30 days, and closing early costs 180 days of interest.

Source: Metro Bank cash ISA terms, 2026-08-17 Last checked Metro Bank's own page

Mortgages

Compare with other providers
With strings

US persons: income paid in dollars is not accepted, and you need permanent rights to reside

Metro Bank never mentions citizenship, so the barrier is your visa and your pay packet rather than your passport. Its criteria require permanent rights to reside in the UK and state that foreign currency income is not accepted, and holders of a skilled worker or family visa are capped at 75% loan to value.

Direct or through a broker · permanent rights to reside, sterling income only

Account Terms The catch
2 year fixed rate
Rate
5.99%, fixed
Then
7.25% standard variable rate
Term
2 years
Max LTV
80%
Product fee
£999
Rate as of
 Capital and interest, maximum loan £1,000,000, 7.3% APRC. Foreign currency income is not accepted, and assets held outside sterling cannot be used as a repayment strategy.
Large loans 2 year fixed
Rate
5.99%, fixed
Then
7.25% standard variable rate
Term
2 years
Max LTV
80%
Product fee
0.25% of the loan
Rate as of
 For loans of £1,000,000 and above, tiered by loan to value up to £10,000,000 at 65%. Foreign currency income is still not accepted.

Source: Metro Bank residential mortgage lending criteria and product range, 2026-08-17 Last checked Metro 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.

 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.