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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 checked.

At a glance

Account Verdict Last checked
Current accounts Opens
Savings accounts Opens
Cash ISAs Opens
Credit cards Not offered
Multi-currency accounts With strings

Current accounts

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Opens

Starling asks only that you are 18 or over and resident in the UK with the right to reside, and its saver, which requires a Starling current account, carries no US-person bar. No current-account-specific US policy is published, so this rests on those terms rather than a direct statement.

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 personal easy saver terms, 2026-05-31 Last checked Starling Bank's own page

Savings accounts

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Opens

Starling's easy saver asks only that you are 18 or over and resident in the UK, with no US-person bar and no sole-tax-residency test. The saver sits inside the app, so you need a Starling current account 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
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%.
Fixed Saver
Access
Fixed term
Rate
3.70% 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.

Source: Starling savings pages, 2026-08-17 Last checked Starling Bank's own page

Cash ISAs

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Opens

Starling's cash ISA terms ask that you are 18 or over, resident in the UK with the right to reside, hold a National Insurance number and an open Starling account. The terms contain no US-person bar and no sole-tax-residency requirement. 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 cash ISA terms, 2026-08-17 Last checked Starling Bank's own page

Credit cards

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Not offered

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 Last checked Starling Bank's own page

Multi-currency accounts

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With strings

Opens to any UK resident on identical terms, and citizenship makes no difference. The catch for an American is that personal customers can only add euros: the dollar account is business only and is not taking applications.

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 account, 2026-08-17 Last checked Starling Bank'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.