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US citizens in the UK · Institutions

Which Tesco Bank accounts accept US citizens

Last checked

Tesco Bank has been checked for US citizens across 4 account types. 3 are open to a US person and 1 is not on offer, whatever your nationality.

If you already have an account with Tesco Bank, a second one there is usually the easier application, because Tesco 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
Savings accounts Accepts US citizens 11
Cash ISAs Accepts US citizens 2
Credit cards Accepts US citizens 6
Junior cash ISAs Not offered —

Savings accounts

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Accepts US citizens
Updated

Tesco Bank savings are now provided by Barclays trading as Tesco Bank and remain open to new applications, asking only that you are 18 or over, UK resident, and hold a UK current account, with no US-person bar. The US taxes the interest as ordinary income.

FSCS £120,000 shared with Barclays, which provides it · online

Account Terms The catch
Fixed Rate Saver (18 months) (annual interest)
Access
Fixed term
Rate
4.85% AER, fixed
Term
18 months
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually.
Fixed Rate Saver (2 years) (annual interest)
Access
Fixed term
Rate
4.85% AER, fixed
Term
2 years
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually.
Fixed Rate Saver (3 years) (annual interest)
Access
Fixed term
Rate
4.85% AER, fixed
Term
3 years
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually.
Fixed Rate Saver (5 years) (annual interest)
Access
Fixed term
Rate
4.85% AER, fixed
Term
5 years
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually.
Fixed Rate Saver (1 year) (annual interest)
Access
Fixed term
Rate
4.84% AER, fixed
Term
1 year
Min
£2,000
Rate as of
 Needs £2,000 to open, you can only pay in for the first 30 days, and no withdrawals during the term. Interest paid annually.
Fixed Rate Saver (18 months) (monthly interest)
Access
Fixed term
Rate
4.75% AER, fixed
Term
18 months
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance.
Fixed Rate Saver (2 years) (monthly interest)
Access
Fixed term
Rate
4.75% AER, fixed
Term
2 years
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance.
Fixed Rate Saver (3 years) (monthly interest)
Access
Fixed term
Rate
4.75% AER, fixed
Term
3 years
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance.
Fixed Rate Saver (5 years) (monthly interest)
Access
Fixed term
Rate
4.75% AER, fixed
Term
5 years
Min
£2,000
Max
£5,000,000
Rate as of
 Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance.
Fixed Rate Saver (1 year) (monthly interest)
Access
Fixed term
Rate
4.74% AER, fixed
Term
1 year
Min
£2,000
Rate as of
 Needs £2,000 to open, you can only pay in for the first 30 days, and no withdrawals during the term. Interest paid monthly at 4.74% AER, sent to a separate account in your name rather than added to your balance.
Internet Saver
Access
Easy access
Rate
4.24% AER, variable
Then
1.05%
Min
£1
Rate as of
 Includes a fixed 3.35% bonus for 12 months on balances up to £1m, after which it drops to the standard 1.05% rate.

Source: Tesco Bank savings rates, 2026-08-17 Tesco Bank's own page

Cash ISAs

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Accepts US citizens
Updated

The cash ISA terms ask that you are 18 or over and resident in the UK, with no requirement to be tax resident only here and no US-person exclusion, though you do need a UK current account. Note the FSCS limit is shared with Barclays, so money at both is covered once. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 shared with Barclays, since Tesco Bank is a trading name of Barclays Bank UK · online, app or phone

Account Terms The catch
Fixed Rate Cash ISA
Access
Fixed term
Rate
4.40% AER, fixed
Term
1 year
Min
£1
Rate as of
 Deposits must be made within the first 30 days, and transferring out early costs 90 days of interest.
Instant Access Cash ISA
Access
Easy access
Rate
4.20% AER, variable
Then
1.05%
Min
£1
Rate as of
 Includes a fixed 3.15% bonus for the first 12 months, after which it drops to the standard rate.

Source: Tesco Bank cash ISAs, 2026-08-17 Tesco Bank's own page

Credit cards

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Accepts US citizens
Updated

The brand survived the sale of Tesco's banking business to Barclays in November 2024, and cards are still open to new customers, but Barclays is now the lender. Criteria are UK residency and being 18 or over, with nothing turning on citizenship. Applying here and to the Amazon Barclaycard is one lender reading your file twice.

Barclays Bank UK, trading as Tesco Bank · same lender as the Amazon Barclaycard

Account Terms The catch
Everyday Low APR Credit Card
Representative APR
12.9% APR representative
Card fee
Free
Abroad
2.75%
Rate as of
 The lowest headline rate on this page, which means it wants the strongest UK credit file. Collects Clubcard points: 1 per £4 spent in Tesco, 1 per £4 on Tesco fuel plus 1 per 2 litres bought, and 1 per £8 spent elsewhere.
Balance Transfer and Purchases Credit Card
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.75%
Rate as of
 No interest on purchases and balance transfers for 21 months, with a 2.95% transfer fee. Collects Clubcard points: 1 per £4 spent in Tesco, 1 per £4 on Tesco fuel plus 1 per 2 litres bought, and 1 per £8 spent elsewhere.
All Round Credit Card
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.75% foreign exchange fee on the cost of any purchase made in a foreign currency.
Rate as of
 0% interest on purchases, balance transfers and money transfers all guaranteed for 14 months from account opening, provided transfers are made within 90 days. 2.49% balance transfer fee, 3.99% money transfer fee. Collects Clubcard points: 1 per £4 spent in Tesco, 1 per £4 on Tesco fuel plus 1 per 2 litres bought, and 1 per £8 spent elsewhere.
Balance Transfer Credit Card
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.75% foreign exchange fee on the cost of any purchase made in a foreign currency.
Rate as of
 Tesco's longest 0% balance transfer period: 36 months, 3.45% transfer fee, made within 90 days of opening. Also 0% on money transfers for 9 months (3.99% fee). No 0% period on purchases; the purchase rate itself can run up to 29.9% depending on circumstances. Collects Clubcard points: 1 per £4 spent in Tesco, 1 per £4 on Tesco fuel plus 1 per 2 litres bought, and 1 per £8 spent elsewhere.
Low Fee Balance Transfer Credit Card
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.75% foreign exchange fee on the cost of any purchase made in a foreign currency.
Rate as of
 0% on balance transfers for 15 months at a low 0.75% fee, made within 90 days of opening. Also 0% on money transfers for 9 months (3.99% fee). No 0% period on purchases. Collects Clubcard points: 1 per £4 spent in Tesco, 1 per £4 on Tesco fuel plus 1 per 2 litres bought, and 1 per £8 spent elsewhere.
Foundation Credit Card
Representative APR
29.9% APR representative
Card fee
Free
Abroad
2.75% foreign exchange fee on the cost of any purchase made in a foreign currency.
Rate as of
 Tesco's credit building card for a bad or thin credit file. Starting credit limits £200 to £1,500, minimum monthly repayment from £25, includes 3 years of Tesco Bank CreditView (TransUnion) credit score tracking. Collects Clubcard points: 1 per £4 spent in Tesco, 1 per £4 on Tesco fuel plus 1 per 2 litres bought, and 1 per £8 spent elsewhere.

Source: Tesco Bank credit cards, 2026-08-17 Tesco Bank's own page

Junior cash ISAs

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Not offered
Updated

Tesco Bank, now a trading name of Barclays Bank UK PLC, says it is not taking new Junior Cash ISA applications; its ISA range for new customers is the Instant Access Cash ISA and Fixed Rate Cash ISA. The Junior Cash ISA terms and key features still published for existing holders contain no US wording.

Source: Tesco Bank Junior Cash ISA interest rates page, 2026-09-11 Tesco 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 .
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