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US citizens in the UK · Institutions

Which Vanquis Bank accounts accept US citizens

Last checked

Vanquis Bank offers a credit card to a US person, with strings.

If you already have an account with Vanquis Bank, a second one there is usually the easier application, because Vanquis 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
Credit cards Accepts with conditions 5

Credit cards

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Accepts with conditions
Updated

US persons: needs three years of UK address history

Vanquis lends to thin and damaged files and its published test has no nationality element, only that you are 18, have a regular income and are a permanent UK resident. The application then asks for three years of addresses, which a recent arrival cannot give. Worth knowing its travel card drops the currency fee to nothing, which is rare at this end of the market.

Vanquis Bank · built for thin and impaired files

Account Terms The catch
Balance Transfer Credit Card
Representative APR
35.9% APR representative
Card fee
Free
Abroad
2.99% on spending abroad, and a cash fee of 2.99%, plus the standard 5% or £3 cash transaction fee (whichever is higher) that applies to any cash withdrawal.
Rate as of
 0% interest on balance transfers for up to 19 months if transferred within 60 days of account opening, with a fee of up to 4.5% of the balance moved. 0% on purchases for the first 3 months. Limits of £250 to £7,000; the most you can transfer is 90% of your credit limit.
Credit Builder Card
Representative APR
37.9% APR representative
Card fee
Free
Abroad
2.99%
Rate as of
 Limits of £250 to £2,500. Cash abroad costs a cash transaction fee of 5% or £3 (whichever is higher) plus the card's separate 2.99% foreign transaction fee, on top.
Purchase Credit Card
Representative APR
39.5% APR representative
Card fee
Free
Abroad
2.99% on spending abroad, and a cash fee of 2.99%, plus the standard 5% or £3 cash transaction fee (whichever is higher) that applies to any cash withdrawal.
Rate as of
 0% interest on purchases for up to 9 months, as long as the purchase is made within the first 3 months of account opening. Limits of £250 to £2,500, same eligibility test as the other Vanquis cards.
Travel Credit Card
Representative APR
40.9% APR representative
Card fee
Free
Abroad
No foreign transaction fee
Rate as of
 Limits of £250 to £2,500, same eligibility test. Cash withdrawals still cost up to 5% or £3. Visa SmartDelay gives the cardholder and up to four guests airport lounge access when a flight is delayed by more than 90 minutes.
Low APR Balance Transfer Credit Card
Representative APR
40.9% APR representative
Card fee
Free
Abroad
2.99% on spending abroad, and a cash fee of 2.99%, plus the standard 5% or £3 cash transaction fee (whichever is higher) that applies to any cash withdrawal.
Rate as of
 9.9% or 12.9% on balance transfers made within 60 days of account opening, held for up to 36 months with no balance transfer fee. Limits of £250 to £7,000; the most you can transfer is 95% of your credit limit.

Source: Vanquis credit cards pages, 2026-08-17 Vanquis Bank'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.