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US citizens in the UK · Institutions

Which Skipton Building Society accounts accept US citizens

Last checked

Skipton Building Society has been checked for US citizens across 3 account types. All 3 are open to a US person (1 with strings).

If you already have an account with Skipton Building Society, a second one there is usually the easier application, because Skipton Building Society 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
Savings accounts Opens
Cash ISAs Opens
Mortgages With strings
Mortgages Skipton International Not offered

Savings accounts

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Opens

Open to UK residents aged 16 or over, with no sole-tax-residency condition and no US-person bar; you can apply online, in branch, by post or by phone. The US taxes the interest as ordinary income.

FSCS £120,000 · online, app, branch, post or phone

Account Terms The catch
Regular Saver
Access
Regular saver
Rate
5.25% AER, tracker
Min
£1
Max
£200 a month
Rate as of
 Tracks 1.50% above base rate for 12 months, and you can pay in at most £200 a month.
5 Year Fixed Rate Bond
Access
Fixed term
Rate
4.76% AER, fixed
Term
5 years
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals for five years.
Two Access Saver
Access
Easy access
Rate
3.90% AER, variable
Min
£1
Max
£1,000,000
Rate as of
 Two withdrawals a year, then it rolls into a plain easy access account after 12 months.
Member Regular Saver
Access
Regular saver
Rate
5.75% AER, tracker
Max
£250 a month
Rate as of
 Only for people who have been Skipton members for 30 days or more and hold no other Regular Saver; tracks 2.00% above Bank of England Base Rate for 12 months. No withdrawals, but you can close it early.
Four Access Saver
Access
Easy access
Rate
3.65% AER, variable
Min
£1
Rate as of
 Up to four withdrawals a year plus closure.
Six Access Saver
Access
Easy access
Rate
3.30% AER, variable
Min
£1
Rate as of
 Up to six withdrawals a year plus closure.
Easy Access Saver
Access
Easy access
Rate
2.05% AER, variable
Min
£1
Rate as of
 Withdrawals permitted.
Community Saver
Access
Easy access
Rate
2.05% AER, variable
Min
£1
Rate as of
 Withdrawals permitted.
1 Year Fixed Rate Bond
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£1
Rate as of
 No withdrawals or early closure during the term.
18 Month Fixed Rate Bond
Access
Fixed term
Rate
4.64% AER, fixed
Term
18 months
Min
£1
Rate as of
 No withdrawals or early closure during the term.
2 Year Fixed Rate Bond
Access
Fixed term
Rate
4.30% AER, fixed
Term
2 years
Min
£1
Rate as of
 No withdrawals or early closure during the term.
3 Year Fixed Rate Bond
Access
Fixed term
Rate
4.50% AER, fixed
Term
3 years
Min
£1
Rate as of
 No withdrawals or early closure during the term.

Source: Skipton savings rates, 2026-08-17 Last checked Skipton Building Society's own page

Cash ISAs

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Opens

The ISA declaration is standard HMRC wording on UK tax residency with the usual Crown employee carve-out, and carries no sole-residency or US-person clause; you need to be 18 or over with a National Insurance number. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · online, app, branch, phone or post

Account Terms The catch
5 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
4.76% AER, fixed
Term
5 years
Min
£1
Rate as of
 No withdrawals during the term, and early closure costs 365 days of interest.
2 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
4.30% AER, fixed
Term
2 years
Min
£1
Rate as of
 No withdrawals during the term, and early closure costs 180 days of interest.
Four Access Cash ISA Saver
Access
Easy access
Rate
3.65% AER, variable
Min
£1
Rate as of
 Up to four withdrawals a year plus closure; a fifth is not permitted.
1 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
4.00% AER, fixed
Term
1 year
Min
£1
Rate as of
 No withdrawals during the term, and early closure costs 60 days of interest.
18 Month Fixed Rate Cash ISA
Access
Fixed term
Rate
4.64% AER, fixed
Term
18 months
Min
£1
Rate as of
 No withdrawals during the term, and early closure costs 90 days of interest.
3 Year Fixed Rate Cash ISA
Access
Fixed term
Rate
4.50% AER, fixed
Term
3 years
Min
£1
Rate as of
 No withdrawals during the term, and early closure costs 240 days of interest.
Two Access Cash ISA Saver
Access
Easy access
Rate
3.90% AER, variable
Min
£1
Rate as of
 Up to two withdrawals a year plus closure. It is a flexible ISA, so money taken out can be paid back in the same tax year.
Six Access Cash ISA Saver
Access
Easy access
Rate
3.30% AER, variable
Min
£1
Rate as of
 Up to six withdrawals a year plus closure. It is a flexible ISA, so money taken out can be paid back in the same tax year.
Cash ISA Saver
Access
Easy access
Rate
2.05% AER, variable
Min
£1
Rate as of
 Withdrawals permitted without a limit. It is a flexible ISA, so money taken out can be paid back in the same tax year.

Source: Skipton ISA declaration, 2026-08-17 Last checked Skipton Building Society's own page

Mortgages

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With strings

US persons: one year in the UK, a year left on the visa, and £40,000 of sterling income

Not to be confused with Skipton International, which lends only to people staying overseas. The society itself says visa holders are generally acceptable, asking for a year of UK residency, a year left on the visa, income of £40,000 alone or £60,000 jointly, and all of it received in sterling.

Direct or through a broker · one year in the UK, £40,000 income, all in sterling

Account Terms The catch
2 year fixed
Rate
5.26%, fixed
Then
6.29% residential variable rate
Term
Fixed to 30 November 2028
Max LTV
90%
Product fee
£495
Rate as of
 Purchase only, capital and interest, loans from £5,000 to £750,000, income multiple up to five times.
5 year fixed
Rate
5.16%, fixed
Then
6.29% residential variable rate
Term
Fixed to 30 November 2031
Max LTV
90%
Product fee
£995
Rate as of
 Purchase only, capital and interest, loans from £5,000 to £750,000.

Source: Skipton intermediaries A to Z residential lending criteria, 2026-08-17 Last checked Skipton Building Society's own page

Skipton International

Not offered

Named constantly as the expat lender, and the wrong shape for this audience twice over. Its criteria require each applicant to remain resident overseas with no plan to move to the UK, and the UK range is buy-to-let investment property rather than a home you live in.

Direct or through a broker · applicants must live overseas

Source: Skipton International expat mortgage key criteria, 2026-08-17 Last checked Skipton International'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

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.