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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 4 account types. 3 are open to a US person (1 with strings) and 1 is not on offer, whatever your nationality.

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 last updated.

At a glance

Account type Verdict Accounts Updated
Savings accounts Accepts US citizens 12
Cash ISAs Accepts US citizens 6
Credit cards Accepts with conditions 2
Junior cash ISAs Not offered —

Savings accounts

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Accepts US citizens
Updated

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 143 (annual interest)
Access
Fixed term
Rate
4.65% 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. Interest paid annually at 4.65% gross (paid on maturity for this 1 year term).
2 Year Online Bond Issue 143 (annual interest)
Access
Fixed term
Rate
4.65% 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 annually at 4.65% gross, on the anniversary of account opening.
3 Year Online Bond Issue 143 (annual interest)
Access
Fixed term
Rate
4.65% 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 annually at 4.65% gross, on the anniversary of account opening.
1 Year Online Bond Issue 143 (monthly interest)
Access
Fixed term
Rate
4.65% AER, fixed
Term
1 year
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.55% gross. Online only, one single deposit at the start, and no withdrawals before maturity.
2 Year Online Bond Issue 143 (monthly interest)
Access
Fixed term
Rate
4.65% AER, fixed
Term
2 years
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.55% gross. Online only, one single deposit at the start, and no withdrawals before maturity.
3 Year Online Bond Issue 143 (monthly interest)
Access
Fixed term
Rate
4.65% AER, fixed
Term
3 years
Min
£500
Max
£2,000,000
Rate as of
 Interest paid monthly at 4.55% gross. Online only, one single deposit at the start, and no withdrawals before maturity.
Online Saver (annual interest)
Access
Easy access
Rate
4.31% AER, variable
Then
0.90%
Min
£1
Max
£2,000,000
Rate as of
 Online only. Interest paid annually (between 20 and 25 March), at 4.31% gross including a 3.41% bonus for the first 12 months; drops to 0.90% gross/AER after that.
Online Saver (monthly interest)
Access
Easy access
Rate
4.31% AER, variable
Then
0.90%
Min
£1
Max
£2,000,000
Rate as of
 Interest paid monthly (on the first business day of each month) at 4.22% gross, including a 3.33% bonus for the first 12 months; drops to 0.89% gross/0.90% AER after that. Online only.
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.
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.
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%.

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

Cash ISAs

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Accepts US citizens
Updated

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 62
Access
Fixed term
Rate
4.50% 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
4.25% 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.
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.
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%.

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

Credit cards

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Accepts with conditions
Updated

US persons: the same Capital One decision: visible UK credit history and two years of addresses

Capital One is the exclusive lender and writes every new account, which is why the representative rate is high: it prices for thinner files. The Post Office page asks only that you are 18 or over and live in the UK, then wants your addresses for the previous two years, and Capital One says outright that a credit history built in another country cannot be transferred to 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. 0% on purchases for 6 months from account opening.
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. Those who qualify get 0% on balance transfers for up to 12 months with a 2.9% transfer fee, and 0% on purchases for up to 6 months.

Source: Post Office credit card page and Capital One credit builder cards page, 2026-09-27 Post Office Money's own page

Junior cash ISAs

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Not offered
Updated

Post Office never sold a cash Junior ISA; its only Junior ISA was a stocks and shares one run by OneFamily, withdrawn from new customers on 6 April 2025. Its adult cash ISAs are deposited with Bank of Ireland UK.

Source: Post Office Junior ISA help page, 2026-09-11 Post Office Money'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

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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.