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US citizens in the UK · Institutions

Which Revolut accounts accept US citizens

Last checked

Revolut has been checked for US citizens across 5 account types. 2 are open to a US person, 2 are closed and 1 is not on offer, whatever your nationality.

If you already have an account with Revolut, a second one there is usually the easier application, because Revolut 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 Revolut UK Opens
Savings accounts Revolut UK Skip
Brokerage accounts Revolut UK Skip
Credit cards Not offered
Multi-currency accounts Revolut UK Opens

Current accounts

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Revolut UK

Opens

Opens for US persons and is the easiest route before you have a UK address. Revolut now operates in the UK through Revolut Bank UK Ltd, which is PRA-authorised, so balances are FSCS-protected rather than merely safeguarded; older balances may still sit with its electronic money entity, so check which one holds yours.

FSCS £120,000 via Revolut Bank UK Ltd · app-only

Account Terms The catch
Standard
Monthly fee
Free
Interest
None on the balance, though its instant access savings pay 2.90% AER
Abroad
No fee on card spending abroad within £1,000 of exchange a month on weekdays; 1% above that and 1% at weekends. Cash free up to £200 or five withdrawals a month, then 2%
 Fair-usage exchange limit of £1,000 a month, a weekend markup, and an ATM cap.
Premium
Monthly fee
£7.99 a month
Interest
None on the balance, though its instant access savings pay 3.25% AER
Abroad
No exchange fee and no fair-usage limit, weekends included. Cash free up to £400 a month, then 2%
 Paid plan.

Source: Revolut UK money-safety and pricing pages, 2026-08-17 Last checked Revolut UK's own page

Savings accounts

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Revolut UK

Skip

Revolut's instant access savings terms require you to be a UK tax resident and not a US person, so the savings product is closed to a US citizen even with a Revolut account in good standing. Revolut still opens its current account to US persons.

Source: Revolut instant access savings (ClearBank) terms, 2026-08-17 Last checked Revolut UK's own page

Brokerage accounts

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Revolut UK

Skip

Revolut closes both doors and its own wording spells out the trap: trading entities outside the US cannot serve US persons living outside the US, and only its US entity may serve US persons, who must be living in the US. Note this is Revolut's trading arm; its everyday and savings accounts are a separate matter.

FSCS £85,000 investment cover · Revolut Trading Ltd

Source: Revolut help centre, trading accounts and US persons, 2026-08-17 Last checked Revolut UK's own page

Credit cards

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Not offered

Revolut has no UK credit card. Its own help centre says it does not offer credit products such as loans, credit cards or overdrafts in Great Britain, and although it has signalled that UK cards are coming since winning its banking licence, none is live.

No UK credit card

Source: Revolut help centre, credit eligible countries, 2026-08-17 Last checked Revolut's own page

Multi-currency accounts

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Revolut UK

Opens

Revolut holds UK personal accounts through Revolut Bank UK, so deposits are FSCS-protected and there is no minimum balance. A US person can earn the savings interest, because that sits as a deposit with ClearBank, but Revolut cannot offer trading or its money market funds to US persons.

FSCS £120,000 via Revolut Bank UK · app-only

Account Terms The catch
Standard account
Monthly fee
Free
Interest
None on the balance
Currencies
36 currencies including USD
Cost to convert
No fee up to £1,000 a month, then 1%
Rate as of
 The £1,000 allowance counts currency, crypto and commodity exchanges together, and weekends carry a markup.
Premium account
Monthly fee
£7.99 a month
Interest
None on the balance
Currencies
36 currencies including USD
Cost to convert
No exchange limit and no fair usage fee
Rate as of
 A £3.99 Plus tier lifts the free allowance to £3,000 instead.
Instant Access Savings
Monthly fee
Free
Interest
Up to 2.90% AER
Currencies
GBP, EUR and USD
Cost to convert
Priced by your plan
Rate as of
 The rate depends on your plan, currency and balance, and the deposit sits with ClearBank.

Source: Revolut standard fees and savings pages, 2026-08-17 Last checked Revolut UK'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

PFIC

Almost every UK-domiciled fund is a PFIC, taxed by the US at punitive rates with heavy filing. This is why US citizens hold individual shares, not UK funds.