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US citizens in the UK · Institutions

Which TSB accounts accept US citizens

Last checked

TSB has been checked for US citizens across 5 account types. 4 are open to a US person (1 with strings) and 1 is closed.

If you already have an account with TSB, a second one there is usually the easier application, because TSB 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 Skip
Mortgages With strings
Credit cards Opens

Current accounts

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Opens

TSB asks that you are 18 or over and a UK resident. Its FATCA page asks customers to declare whether they are a US person, which is a reporting question rather than an eligibility condition.

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

Account Terms The catch
Spend & Save
Monthly fee
Free
Interest
None on the balance, though savings pots inside the account pay 1.45% AER
Abroad
2.99% non-sterling fee plus £1 a payment, and 1.5% on cash withdrawals
 Cashback needs 20 or more debit card payments a month and runs for six months only.
Spend & Save Plus
Monthly fee
£3 a month
Interest
None on the balance, though savings pots pay 1.55% AER
Abroad
No TSB fees on spending or cash withdrawals abroad
 Cashback needs 20 or more debit card payments a month.

Source: TSB current accounts, 2026-08-17 Last checked TSB's own page

Savings accounts

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Opens

TSB asks that you are 16 or over and a UK resident for most of its savings accounts, collecting tax residency and nationality for reporting rather than using them as a bar. The US taxes the interest as ordinary income.

FSCS £120,000 · online, app or branch

Account Terms The catch
Monthly Saver
Access
Regular saver
Rate
5.00% AER, fixed
Term
1 year
Min
£25 a month
Max
£3,000 over 12 months
Rate as of
 Needs a TSB current account and a standing order of £25 to £250 a month.
Fixed Rate Bond
Access
Fixed term
Rate
4.45% AER, fixed
Term
1 to 3 years
Min
£1
Max
£1,000,000
Rate as of
 No withdrawals or early closure before maturity.
Save Well Limited Access
Access
Easy access
Rate
3.00% AER, variable
Min
£1
Max
None stated
Rate as of
 Any withdrawal cuts that whole calendar month to 0.25%.
Easy Saver
Access
Easy access
Rate
1.10% AER, variable
Then
1.00% AER
Min
£1
Max
None stated
Rate as of
 Top rate needs £100,000 or more, and includes a 0.10% bonus that ends after 12 months.

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

Cash ISAs

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Skip

TSB's ISA important information says you must be 18 or over and resident only in the UK for tax purposes, and that rule covers all three of its cash ISAs. Its ordinary savings terms carry no such clause, so TSB will open you a savings account and refuse you the ISA.

FSCS £120,000 · online, app or branch

Source: TSB ISA important information, 2026-08-17 Last checked TSB's own page

Mortgages

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With strings

US persons: twelve months here, eighteen months left on an accepted visa

Citizenship is irrelevant to TSB but its visa list is the tightest here, and student and working holiday visas are refused outright. It publishes no foreign currency income policy, so assume dollar pay needs checking before you apply.

Through a broker · twelve months here and eighteen months left on the visa

Account Terms The catch
2 year fixed
Rate
4.84%, fixed
Then
7.24% homeowner variable rate
Term
2 years
Max LTV
85%
Product fee
£995
Rate as of
 Loans from £5,000 to £1,000,000. Reaching 85% needs £50,000 income alone or £75,000 jointly.
5 year fixed
Rate
4.89%, fixed
Then
7.24% homeowner variable rate
Term
5 years
Max LTV
85%
Product fee
£995
Rate as of
 The early repayment charge starts at 5%, and the revert rate is the highest on this page.

Source: TSB intermediary foreign nationals criteria, 2026-08-17 Last checked TSB's own page

Credit cards

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Opens

The lightest paperwork of the high street: TSB asks for your current UK address rather than years of history, and its published test is being over 18, resident here, with a regular income and no recent defaults. Nationality is never mentioned. The credit file still has to stand up, so this is easier to apply for than to be accepted for.

Direct · no TSB current account needed

Account Terms The catch
Advance Credit Card
Representative APR
12.9% APR representative
Card fee
Free
Abroad
2.95%
Rate as of
 The lowest rate here, which means the hardest to be accepted for on a thin file.
Platinum Purchase Card
Representative APR
24.9% APR representative
Card fee
Free
Abroad
2.95%
Rate as of
 No interest on purchases for up to 26 months, then 24.95%.

Source: TSB credit cards pages, 2026-08-17 Last checked TSB'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.