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US citizens in the UK · Institutions

Which Sainsbury's Bank accounts accept US citizens

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Sainsbury's Bank has no credit card to apply for, whatever your nationality.

At a glance

Account type Verdict Accounts Updated
Credit cards Not offered —

Credit cards

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Not offered
Updated

There is no Sainsbury's Bank credit card to apply for. New lending stopped during its phased exit, NatWest bought the card, loan and savings books in May 2025, and Sainsbury's has given up its banking permissions. A NatWest Nectar card is expected later in 2026 under the NatWest name.

No longer a bank · card book sold to NatWest

Source: Sainsbury's plc announcement on the sale of its banking business, 2026-08-17 Sainsbury's Bank's own page

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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.