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US citizens in the UK · Institutions

Which Post Office Money accounts accept US citizens

Last checked

Post Office Money has been checked for US citizens across 3 account types. All 3 are open to a US person.

If you already have an account with Post Office Money, a second one there is usually the easier application, because Post Office Money 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
Credit cards Opens

Savings accounts

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Opens

Post Office savings are provided by Bank of Ireland (UK) and ask only that you are UK resident and resident in the UK for tax purposes, with no sole-residency wording; US citizens are treated as ordinary account holders whose details are collected under FATCA. The US taxes the interest as ordinary income.

FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone

Account Terms The catch
1 Year Online Bond Issue 141
Access
Fixed term
Rate
4.40% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 Online only, one single deposit at the start, and no withdrawals before maturity.
Online Saver
Access
Easy access
Rate
4.31% AER, variable
Then
0.90%
Min
£1
Max
£2,000,000
Rate as of
 Online only, and 3.41% of that rate is a bonus that stops after 12 months, leaving 0.90%.
1 Year Growth Bond Issue 66
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Max
£1,000,000
Rate as of
 Branch or post only to open, one single deposit, and breaking it early costs a fee.
Instant Saver
Access
Easy access
Rate
3.00% AER, variable
Then
0.90%
Rate as of
 Branch or post only to open, and 2.10% of that rate is a bonus that stops after 12 months, leaving 0.90%.
2 Year Online Bond Issue 141
Access
Fixed term
Rate
4.35% AER, fixed
Term
2 years
Min
£500
Max
£2,000,000
Rate as of
 Online only, one single deposit at the start, and no withdrawals before maturity. Interest paid monthly or annually at the same AER.
3 Year Online Bond Issue 141
Access
Fixed term
Rate
4.35% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 Online only, one single deposit at the start, and no withdrawals before maturity. Interest paid monthly or annually at the same AER.
2 Year Growth Bond Issue 66
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Max
£1,000,000
Rate as of
 Branch or post only to open, one single deposit, and breaking it early costs a fee.
3 Year Growth Bond Issue 66
Access
Fixed term
Rate
4.00% AER, fixed
Term
3 years
Min
£500
Max
£1,000,000
Rate as of
 Branch or post only to open, one single deposit, and breaking it early costs a fee.

Source: Post Office savings rates, 2026-08-17 Last checked Post Office Money's own page

Cash ISAs

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Opens

Eligibility is being 18 or over, a UK resident and resident in the UK for tax purposes, excluding the Channel Islands and Isle of Man. The key information pack repeats the standard HMRC test with no sole-residency wording. Note the FSCS limit is shared with Bank of Ireland UK. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs

Account Terms The catch
Online ISA 1 Year Fixed Rate Issue 61
Access
Fixed term
Rate
4.30% AER, fixed
Term
1 year
Min
£500
Rate as of
 Single deposit only, and early access closes the product and costs 90 days of interest.
Online ISA Easy Access
Access
Easy access
Rate
4.16% AER, variable
Then
0.90%
Min
£100
Rate as of
 Includes a fixed 3.26% bonus for 12 months, after which it drops sharply. Not a flexible ISA.
Online ISA 2 Year Fixed Rate Issue 61
Access
Fixed term
Rate
4.25% AER, fixed
Term
2 years
Min
£500
Rate as of
 Single deposit only, and early access closes the product and costs 180 days of interest.
Easy Access Cash ISA
Access
Easy access
Rate
3.00% AER, variable
Then
0.90% AER
Min
£100
Rate as of
 Branch or post only to open, and managed by phone or post rather than online. Includes a fixed 2.10% bonus for 12 months, after which it drops to 0.90%.
1 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£500
Rate as of
 Branch or post only to open, one single deposit, and no further deposits or withdrawals during the term.
2 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
4.00% AER, fixed
Term
2 years
Min
£500
Rate as of
 Branch or post only to open, one single deposit, and no further deposits or withdrawals during the term.

Source: Post Office online ISA, 2026-08-17 Last checked Post Office Money's own page

Credit cards

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Opens

The card exists but the lender has changed twice, and Capital One now writes every new account, which is why the representative rate is high: it prices for thinner files. The stated bar is only being 18 or over and living in the UK. Applying here, to Ocean and to Capital One direct is one lender three times.

Capital One is the lender · Post Office is only a broker

Account Terms The catch
Travel Credit Card
Representative APR
34.9% APR representative
Card fee
Free
Abroad
No foreign transaction fee on purchases
Rate as of
 Cash advances still cost 3%, minimum £3, except when buying Post Office travel money.
Post Office Credit Card
Representative APR
34.9% APR representative
Card fee
Free
Abroad
2.75%
Rate as of
 The rate runs between 26.9% and 34.9% depending on circumstances, on limits up to £8,000.

Source: Post Office credit card pages, 2026-08-17 Last checked Post Office Money'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.