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US citizens in the UK · Institutions

Which United Trust Bank accounts accept US citizens

Last checked

United Trust Bank offers a savings account to a US person.

If you already have an account with United Trust Bank, a second one there is usually the easier application, because United Trust 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
Savings accounts Opens

Savings accounts

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Opens

Personal applicants need to be 18 or over and permanently resident in the UK; the stricter tax-residency wording applies only to business accounts. Expect a minimum balance around £5,000. The US taxes the interest as ordinary income.

FSCS £120,000 · online, phone or post

Account Terms The catch
15 Month Bond
Access
Fixed term
Rate
4.43% AER, fixed
Term
15 months
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 15 months.
Limited Access Saver
Access
Easy access
Rate
4.30% AER, variable
Min
£5,000
Max
£150,000
Rate as of
 Needs £5,000, and the rate falls to 2.75% from your third withdrawal.
60 Day Notice Issue 1
Access
Notice
Rate
4.20% AER, variable
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and 60 days notice for any withdrawal.
Easy Access Account
Access
Easy access
Rate
3.75% AER, variable
Min
£5,000
Max
£150,000
Rate as of
 Needs £5,000 to open, and the balance is capped at £150,000.
6 Month Bond
Access
Fixed term
Rate
4.24% AER, fixed
Term
6 months
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 6 months, with interest paid on maturity.
9 Month Bond
Access
Fixed term
Rate
4.22% AER, fixed
Term
9 months
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 9 months, with interest paid on maturity.
1 Year Bond
Access
Fixed term
Rate
4.28% AER, fixed
Term
1 year
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for a year, with interest paid on maturity.
18 Month Bond
Access
Fixed term
Rate
4.40% AER, fixed
Term
18 months
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 18 months; interest is paid annually and on maturity.
2 Year Bond
Access
Fixed term
Rate
4.10% AER, fixed
Term
2 years
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 2 years; interest is paid annually and on maturity.
3 Year Bond
Access
Fixed term
Rate
4.10% AER, fixed
Term
3 years
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 3 years; interest is paid annually and on maturity.
4 Year Bond
Access
Fixed term
Rate
4.10% AER, fixed
Term
4 years
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 4 years; interest is paid annually and on maturity.
5 Year Bond
Access
Fixed term
Rate
4.10% AER, fixed
Term
5 years
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and locks the money away for 5 years; interest is paid annually and on maturity.
30 Day Notice
Access
Notice
Rate
3.90% AER, variable
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and 30 days notice for any withdrawal or closure. The whole balance earns 3.85% from £5,000 to £9,999.99 and 3.90% from £10,000.
40 Day Notice Issue 2
Access
Notice
Rate
4.10% AER, variable
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and 40 days notice for any withdrawal or closure.
100 Day Notice Issue 3
Access
Notice
Rate
3.85% AER, variable
Min
£5,000
Max
£1,000,000
Rate as of
 Needs £5,000 to open and 100 days notice for any withdrawal or closure.
180 Day Notice Base Rate Tracker
Access
Notice
Rate
3.75% AER, tracker
Min
£5,000
Max
£1,000,000
Rate as of
 Tracks the Bank of England Base Rate, currently 3.75%. Needs £5,000 to open and 180 days notice for any withdrawal or closure.

Source: United Trust Bank personal deposits, 2026-08-17 Last checked United Trust 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 .
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