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US citizens in the UK · Institutions

Which Ulster Bank accounts accept US citizens

Last checked

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

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

Current accounts

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Opens

Ulster Bank now trades in Northern Ireland only, having left the Republic of Ireland, so its branches are all in NI even though the stated test is simply being 18 or over and a UK resident. No page sets a nationality bar.

FSCS £120,000 · Northern Ireland only · app, online or branch

Account Terms The catch
Select
Monthly fee
Free
Interest
None
Abroad
2.65% non-sterling fee on card payments and cash withdrawals abroad
 Branches are in Northern Ireland only.
ufirstgold
Monthly fee
£10 a month
Interest
None
Abroad
2.65% non-sterling fee on card payments and cash withdrawals abroad
 Only open to people who already hold an Ulster Bank current account.

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

Savings accounts

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Opens

Eligibility is being 16 or over and a UK resident, with no citizenship or sole-tax-residency test. This is the Northern Ireland arm of NatWest Group, so the FSCS limit is shared with NatWest and branch service is Northern Ireland only. The US taxes the interest as ordinary income.

FSCS £120,000, shared with NatWest · branches in Northern Ireland only · online, app or phone

Account Terms The catch
Limited Edition Saver
Access
Easy access
Rate
4.30% AER, variable
Then
1.55%
Min
£1
Max
£3,000,000
Rate as of
 Needs a balance of £5,000 or more, otherwise 1.00%; the rate includes a 2.75% bonus fixed for 12 months, sole names only.
Loyalty Saver
Access
Easy access
Rate
3.50% AER, variable
Min
£1
Rate as of
 Needs £5,000 or more, otherwise 1.00%, and you must hold an Ulster Bank current account.

Source: Ulster Bank savings, 2026-08-17 Last checked Ulster 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

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 Tax

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