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US citizens in the UK · Institutions

Which Starling Bank accounts accept US citizens

Last checked

Starling Bank has been checked for US citizens across 5 account types. 4 are open to a US person (1 with strings) and 1 is not on offer, whatever your nationality.

If you already have an account with Starling Bank, a second one there is usually the easier application, because Starling Bank 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 Accepts US citizens 1
Savings accounts Accepts US citizens 2
Cash ISAs Accepts US citizens 1
Credit cards Not offered —
Multi-currency accounts Accepts with conditions 1

Current accounts

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Accepts US citizens
Updated

Starling answers the question directly rather than leaving it to inference. Its eligibility page asks only that you are 16 or over, resident in the UK and hold the right to reside. Its FATCA and CRS page then says that if you are eligible to open a Starling account and are also a US person, FATCA does not affect how you use that account: Starling reports it to HMRC, which passes the details to the IRS. The same page defines a US person as a US citizen living anywhere in the world. The one condition it publishes is a taxpayer identification number, usually a Social Security number or ITIN: Starling has to collect one from a US citizen, and says it may not be able to open an account until you have one and share it.

FSCS £120,000 · app-only

Account Terms The catch
Personal Current Account
Monthly fee
Free
Interest
None; Starling states it does not currently pay interest on any current account
Abroad
No Starling fees on spending or cash withdrawals abroad
 —

Source: Starling help: FATCA and CRS, and who is eligible for a Starling bank account, 2026-09-25 Starling Bank's own page

Savings accounts

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Accepts US citizens
Updated

Starling's Easy Saver asks for an open Starling personal current account, that you are 18 or over and that you are a UK resident. Nationality and tax residency are not in that test, and Starling's own FATCA page says a US person eligible for an account is not restricted in how they use it. The saver sits inside the app, so the current account comes first, which applies to everyone. The US taxes the interest as ordinary income.

FSCS £120,000 · app-only, needs a Starling current account

Account Terms The catch
Fixed Saver
Access
Fixed term
Rate
4.20% AER, fixed
Term
1 year
Min
£2,000
Max
£1,000,000
Rate as of
 Needs a Starling current account. Locked for the full year, and you cannot top it up.
Easy Saver
Access
Easy access
Rate
4.00% AER, variable
Then
2.50%
Max
£1,000,000
Rate as of
 Needs a Starling current account. Includes a 1.50% bonus for the first 12 months, then drops to 2.50%.

Source: Starling help: how do I open and manage my Easy Saver, 2026-09-25 Starling Bank's own page

Cash ISAs

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Accepts US citizens
Updated

Starling's own page for the cash ISA asks for an open Starling personal account, that you are 18 or over, that you are a UK resident and that you hold a National Insurance number. Nationality is not in that test, and there is no sole-tax-residency requirement; the right to reside comes with the Starling account behind it. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · app-only

Account Terms The catch
Cash ISA
Access
Easy access
Rate
2.50% AER, variable
Rate as of
 Needs an open Starling personal account; interest is paid monthly.

Source: Starling help: who can apply for a Starling Cash ISA, 2026-09-25 Starling Bank's own page

Credit cards

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Not offered
Updated

Starling has no consumer credit card, so there is nothing here to apply for whoever you are. The card that comes with the account is a debit card, and its personal borrowing is an arranged overdraft and a loan.

No consumer credit card

Source: Starling current account and borrowing pages, 2026-08-17 Starling Bank's own page

Multi-currency accounts

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Accepts with conditions
Updated

Opens to any UK resident on identical terms, and citizenship makes no difference: the page is titled for UK residents and asks only for a Starling personal account first. The catch for an American is that personal customers can only add euros. Starling's dollar account is a business product, sold on top of a Starling business account, and its own help page says applications are paused.

FSCS £120,000 · app-only

Account Terms The catch
Euro account
Monthly fee
Free
Interest
None
Currencies
Euros alongside sterling, and no dollars
Cost to convert
0.4%, plus a 0.5% margin at weekends and on bank holidays
Rate as of
 You need a Starling personal current account first.

Source: Starling euro bank account page, and Starling help: who can open a business USD account, 2026-09-25 Starling Bank'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

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.