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US citizens in the UK · Institutions

Which Yonder accounts accept US citizens

Last checked

Yonder offers a credit card to a US person.

If you already have an account with Yonder, a second one there is usually the easier application, because Yonder 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
Credit cards Opens

Credit cards

Compare with other providers
Opens

The answer for someone who has just landed. Yonder says in its own words that it does not require a UK credit score, and asks you to connect a bank account through open banking to evidence income instead, which is precisely the gap a new arrival falls into. No foreign transaction fee and free cash withdrawals abroad on top.

App only · no UK credit score required

Account Terms The catch
Free credit card
Representative APR
31.6% APR representative
Card fee
Free
Abroad
No foreign transaction fee, at the Mastercard rate. Cash withdrawals abroad are free, capped at £150 a day.
Rate as of
 No UK credit score needed, but you must connect a bank account through open banking to prove your income. A soft check runs before the full one.
Full credit card
Representative APR
65.1% APR representative
Card fee
£15 a month
Abroad
No foreign transaction fee. Cash withdrawals abroad free, capped at £150 a day.
Rate as of
 The headline rate folds in the £15 monthly membership, so the gap between 65.1% and the underlying 28.67% purchase rate is the fee rather than the borrowing.

Source: Yonder free credit card page, 2026-08-17 Last checked Yonder'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.