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US citizens in the UK · Institutions

Which Royal Bank of Scotland accounts accept US citizens

Last checked

Royal Bank of Scotland has been checked for US citizens across 2 account types. 1 is open to a US person (with strings) and 1 is not on offer, whatever your nationality.

If you already have an account with Royal Bank of Scotland, a second one there is usually the easier application, because Royal Bank of Scotland 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
Mortgages Accepts with conditions 2
Junior cash ISAs Not offered —

Mortgages

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Accepts with conditions
Updated

US persons: held to 75% loan to value without indefinite leave, and it is the same book as NatWest

Read this row and the NatWest one as one lender. RBS and NatWest are in the same group and publish identical products and rates, so applying to both is one application dressed as two. The terms are NatWest's: no minimum time in the UK, dollar income counted in full with no haircut, and 75% loan to value on repayment only until you hold permanent right to reside.

Direct or through a broker · the same book, products and rates as NatWest

Account Terms The catch
5 year fixed
Rate
5.08%, fixed
Then
6.74% variable
Term
5 years
Max LTV
75%
Product fee
£995
Rate as of
 The identical rate appears on the NatWest rate finder, which is the point.
2 year fixed
Rate
5.19%, fixed
Then
6.74% variable
Term
2 years
Max LTV
75%
Product fee
£995
Rate as of
 75% is also the ceiling without permanent right to reside, so this is the relevant tier. Rates vary with loan size.

Source: NatWest Group intermediary lending criteria, 2026-08-17 Royal Bank of Scotland's own page

Junior cash ISAs

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Not offered
Updated

Royal Bank of Scotland does not sell a Junior Cash ISA. Its only tax-free children's wrapper is the Royal Bank Junior ISA, which is stocks and shares only; the taxable First Saver is the sole cash option for a child.

Source: Royal Bank of Scotland First Saver page and Junior ISA product page, 2026-09-11 Royal Bank of Scotland'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 .
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