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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. 1 is open to a US person, 1 opens but pays a US person no interest, 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 last updated.

At a glance

Account type Verdict Accounts Updated
Current accounts Revolut UK Accepts US citizens 2
Savings accounts Revolut UK Declines US citizens —
Brokerage accounts Revolut UK Declines US citizens —
Credit cards Not offered —
Multi-currency accounts Revolut UK Accepts, pays no interest 3

Current accounts

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Revolut UK

Accepts US citizens
Updated

Opens for US persons and is the easiest route before you have a UK address: its Personal Terms set no US-person or tax-residency test. 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. Its savings are a separate matter and are closed to you.

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

Account Terms The catch
Standard
Monthly fee
Free
Interest
None on the balance, and its instant access savings are closed to US persons
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, and its instant access savings are closed to US persons
Abroad
No exchange fee and no fair-usage limit, weekends included. Cash free up to £400 a month, then 2%
 Paid plan.

Source: Revolut Personal Terms, which set no US-person test, 2026-09-18 Revolut UK's own page

Savings accounts

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Revolut UK

Declines US citizens
Updated

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 (powered by ClearBank) Terms, 2026-09-18 Revolut UK's own page

Brokerage accounts

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Revolut UK

Declines US citizens
Updated

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 Revolut UK's own page

Credit cards

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Not offered
Updated

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 Revolut's own page

Multi-currency accounts

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Revolut UK

Accepts, pays no interest
Updated

Revolut holds UK personal accounts through Revolut Bank UK, so deposits are FSCS-protected and there is no minimum balance. What a US person cannot have is anything that pays: the ClearBank terms behind Instant Access Savings require you to be a UK tax resident and not a US person, and Revolut cannot offer trading or its money market funds to US persons either. That leaves the account and the currency exchange.

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
 Closed to US persons: the ClearBank terms require you to be a UK tax resident and not a US person. For everyone else the rate depends on plan, currency and balance, and the deposit sits with ClearBank.

Source: Revolut pricing plans and the Instant Access Savings (powered by ClearBank) Terms, 2026-09-18 Revolut UK'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 .
Findings

Monzo, Starling and Revolut

Monzo, Starling Bank and Revolut all open a current account for a US citizen. What each opens beyond that, what it declines and what it does not sell, with the source and date of every verdict.

 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

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.