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US citizens in the UK · Institutions

Which Shawbrook Bank accounts accept US citizens

Last checked

Shawbrook Bank has been checked for US citizens across 2 account types. Both are closed to a US person.

At a glance

Account type Verdict Accounts Updated
Savings accounts Declines US citizens —
Cash ISAs Declines US citizens —

Savings accounts

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Declines US citizens
Updated

Shawbrook requires applicants to be permanently resident in the UK and liable to pay tax only in the UK, so a second tax residency puts a US person outside its published criteria.

Source: Shawbrook Bank, opening an account, 2026-08-17 Shawbrook Bank's own page

Cash ISAs

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Declines US citizens
Updated

Shawbrook's ISA eligibility requires you to be liable to pay tax only in the UK, which excludes a US person with US tax obligations. The wrapper would give no US relief in any case.

Source: Shawbrook Bank, All about ISAs, 2026-08-09 Shawbrook 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.

 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.

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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.