Momo
US citizens in the UK · Institutions

Which Triodos Bank UK accounts accept US citizens

Last checked

Triodos Bank UK has been checked for US citizens across 2 account types. Both are open to a US person.

If you already have an account with Triodos Bank UK, a second one there is usually the easier application, because Triodos Bank UK 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 4

Current accounts

Compare with other providers
Accepts US citizens
Updated

Triodos requires every account holder to be a UK resident aged 18 or over, and its terms say tax residence outside the UK means reporting rather than closure. Its own tax page defines a US person to include anyone born in the United States and confirms it reports those accounts, so it holds them.

FSCS £120,000 · app and online, no branches

Account Terms The catch
Ethical Current Account
Monthly fee
£3 a month
Interest
None
Abroad
2.50% on spending and on cash withdrawals abroad
 —

Source: Triodos tax regulations page, 2026-08-17 Triodos Bank UK's own page

Savings accounts

Compare with other providers
Accepts US citizens
Updated

Triodos asks only that savers are UK residents aged 16 or over, and its own tax pages treat US citizenship as a reporting matter rather than a reason to refuse. Everything runs online, so there is no branch route. The US taxes the interest as ordinary income.

FSCS £120,000 · online only, no branches

Account Terms The catch
Ethical Savings Bond (annual interest)
Access
Fixed term
Rate
3.60% AER, fixed
Term
1 year
Min
£500
Max
£1,000,000
Rate as of
 One opening deposit only, and no withdrawals once the 30 day cancellation period ends. Interest paid annually and at maturity, compounding within the bond.
Ethical Savings Bond (monthly interest)
Access
Fixed term
Rate
3.60% AER, fixed
Term
1 year
Min
£500
Max
£1,000,000
Rate as of
 Interest paid monthly into your chosen interest payment account rather than compounding in the bond. One opening deposit only, and no withdrawals once the 30 day cancellation period ends.
Online Saver Plus
Access
Easy access
Rate
2.20% AER, variable
Min
£1
Rate as of
 Three penalty-free withdrawals a year; anything beyond that earns 0.10%.
Online Saver
Access
Easy access
Rate
1.81% AER, variable
Min
£1
Rate as of
 —

Source: Triodos Bank UK savings, 2026-08-17 Triodos Bank UK'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 .
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.