Momo
US citizens in the UK · Institutions

Which Nottingham Building Society accounts accept US citizens

Last checked

Nottingham Building Society has been checked for US citizens across 4 account types. All 4 are open to a US person.

If you already have an account with Nottingham Building Society, a second one there is usually the easier application, because Nottingham 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 4
Mortgages Accepts US citizens 2
Junior cash ISAs Accepts US citizens 1

Savings accounts

Compare with other providers
Accepts US citizens
Updated

Opens to UK residents who are UK tax resident, applying online or in branch; the published eligibility carries no sole-tax-residency wording and no US-person bar. The US taxes the interest as ordinary income.

FSCS £120,000 · online, app or branch

Account Terms The catch
5 Year Fixed Rate Bond
Access
Fixed term
Rate
4.80% AER, fixed
Term
5 years
Min
£1
Max
£750,000
Rate as of
 No withdrawals until 30 October 2031.
1 Year Fixed Rate Bond
Access
Fixed term
Rate
4.65% AER, fixed
Term
1 year
Min
£1
Max
£750,000
Rate as of
 Nothing comes out until 1 November 2027, and the online version cannot be held jointly.
Regular Saver
Access
Regular saver
Rate
4.25% AER, variable
Min
£1
Max
£7,500
Rate as of
 Up to £500 a month to a £7,500 ceiling, and the rate is only held to October 2027.
Bonus Access Saver
Access
Easy access
Rate
4.25% AER, variable
Then
1.70%
Min
£1
Max
£750,000
Rate as of
 Online only, and 2.55% of that rate is a bonus that ends in October 2027, leaving 1.70%.

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

Cash ISAs

Compare with other providers
Accepts US citizens
Updated

The cash ISA rules state you must be a UK resident for tax purposes, with Crown employees and spouses also qualifying, and there is no sole-residency wording or US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · online and app, or branch, though the Annual Allowance ISA is branch only to open

Account Terms The catch
5 Year Fixed Rate ISA
Access
Fixed term
Rate
4.80% AER, fixed
Term
to October 2031
Min
£1
Max
£750,000
Rate as of
 No withdrawals until 30 October 2031, and transferring out before then costs 365 days' interest.
1 Year Fixed Rate ISA
Access
Fixed term
Rate
4.65% AER, fixed
Term
to October 2027
Min
£1
Max
£750,000
Rate as of
 No withdrawals until 1 November 2027, and transferring out before then costs 90 days' interest.
Annual Allowance ISA
Access
Easy access
Rate
4.00% AER, variable
Min
£1
Rate as of
 Flexible, with unlimited penalty-free withdrawals, but it must be opened in branch.
Bonus Access ISA
Access
Easy access
Rate
3.80% AER, variable
Then
1.70%
Min
£1
Max
£750,000
Rate as of
 Includes a 2.10% bonus until September 2027, after which it drops to 1.70%.

Source: Nottingham Building Society cash ISA rules, 2026-08-17 Nottingham Building Society's own page

Mortgages

Compare with other providers
Accepts US citizens
Updated

The most useful lender here for someone who has just arrived. Nottingham runs a separate foreign national range with no minimum time in the UK and no minimum term left on a visa, and it will match a United States credit file to reach 90% loan to value where a newcomer with no UK data is held to 75%. Two catches: the specialist range prices higher than its standard one, which a visa holder cannot use, and only sterling income counts.

Through a broker · no minimum time in the UK, no minimum visa remaining

Account Terms The catch
Foreign national 5 year fixed
Rate
5.99%, fixed
Then
6.35% standard variable rate
Term
Fixed to 30 November 2031
Max LTV
90%
Product fee
£999
Rate as of
 A fee free version at 90% is 6.09%, and 80% loan to value is 5.69% with a £1,499 fee.
Foreign national 2 year fixed
Rate
6.09%, fixed
Then
6.35% standard variable rate
Term
Fixed to 30 November 2028
Max LTV
90%
Product fee
£999
Rate as of
 The foreign national range must be used; the cheaper standard products are closed to a visa holder. Reaching 90% needs enough UK credit data or a successful US credit match, otherwise 75%.

Source: Nottingham foreign nationals criteria, 2026-08-17 Nottingham Building Society's own page

Junior cash ISAs

Compare with other providers
Accepts US citizens
Updated

The published terms set no US test: the Junior ISA is open to any UK resident under 18, opened in branch by the parent with parental responsibility as registered contact. Branch only.

branch

Account Terms The catch
Junior ISA
Access
Fixed term
Rate
3.75% AER, variable
Term
until the child turns 18
Min
£1
Max
annual Junior ISA allowance (£9,000)
Rate as of
 —

Source: Nottingham Junior Cash ISA key product information (rates as at 27 January 2026) and Branch Savings Account Conditions, 2026-09-11 Nottingham Building Society's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. 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

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

Saving for a child

How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.