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US citizens in the UK · Institutions

Which Wise accounts accept US citizens

Last checked

Wise opens a multi-currency account for a US person but pays one no interest.

At a glance

Account Verdict Last checked
Multi-currency accounts Opens, no interest

Multi-currency accounts

Compare with other providers
Opens, no interest
Pays no interest to US persons.

Opens to a US citizen living in the UK on the usual tax self-certification, with no minimum balance, and it is the cheapest way to hold and move both currencies. Wise is an electronic money institution, so your balance is safeguarded rather than FSCS-protected, and it earns nothing because the fund partner behind its interest feature cannot onboard US citizens.

Safeguarded, not FSCS-protected · app and online

Account Terms The catch
Wise account
Monthly fee
Free
Interest
None for US persons
Currencies
40 currencies including USD, with local details in 22
Cost to convert
From 0.24%
Rate as of
 The card costs £7 once, and there is no subscription.

Source: Wise Interest and Stocks eligibility, 2026-08-17 Last checked Wise'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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