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US citizens in the UK · Institutions

Which Yorkshire Building Society accounts accept US citizens

Last checked

Yorkshire Building Society has been checked for US citizens across 4 account types. 3 are open to a US person (1 with strings) and 1 is not on offer, whatever your nationality.

If you already have an account with Yorkshire Building Society, a second one there is usually the easier application, because Yorkshire Building Society 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
Savings accounts Accepts US citizens 4
Cash ISAs Accepts US citizens 4
Mortgages Accepts with conditions Not listed yet
Junior cash ISAs Not offered —

Savings accounts

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Accepts US citizens
Updated

The condition to open is simply that you are a UK resident, with no sole-tax-residency condition and no US-person restriction in the general savings terms. The US taxes the interest as ordinary income.

FSCS £120,000 · online, branch or post

Account Terms The catch
Loyalty Regular eSaver
Access
Regular saver
Rate
4.85% AER, variable
Min
£1
Max
£250 a month
Rate as of
 Existing members only, online only, up to £250 a month and one withdrawal day a year.
Fixed Rate eBond
Access
Fixed term
Rate
4.40% AER, fixed
Term
about 3 years
Min
£1,000
Rate as of
 Online only, £1,000 to open, and nothing comes out until October 2029.
Regular eSaver
Access
Regular saver
Rate
4.25% AER, variable
Min
£1
Max
£250 a month
Rate as of
 Online only, up to £250 a month for a year, and two withdrawal days.
Triple Access eSaver
Access
Easy access
Rate
4.20% AER, variable
Min
£1
Rate as of
 Online only, three withdrawal days a year, and the account runs for one year.

Source: Yorkshire Building Society savings rates, 2026-08-17 Yorkshire Building Society's own page

Cash ISAs

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Accepts US citizens
Updated

The cash ISA terms ask only that you are 18 or over and a UK resident for tax purposes, or a qualifying Crown employee or spouse. Neither the product terms nor the savings terms add a sole-residency or US-person restriction. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

FSCS £120,000 · eISA versions online only, plainly named versions branch or post only

Account Terms The catch
Fixed Rate Cash eISA to 2029
Access
Fixed term
Rate
4.50% AER, fixed
Term
to September 2029
Min
£100
Rate as of
 No withdrawals until maturity, and closing earlier costs 270 days of interest.
Fixed Rate Cash eISA to 2027
Access
Fixed term
Rate
4.40% AER, fixed
Term
to September 2027
Min
£100
Rate as of
 No withdrawals until maturity, and closing earlier costs 90 days of interest.
Four Access eISA
Access
Easy access
Rate
4.05% AER, variable
Term
1 year
Min
£1
Rate as of
 Withdrawals allowed on any four days a year. Online only.
Easy Access ISA
Access
Easy access
Rate
3.60% AER, variable
Min
£1
Rate as of
 Withdraw as often as you like; flexible, so money replaced in the same tax year does not use more allowance.

Source: Yorkshire Building Society cash ISA terms, 2026-08-17 Yorkshire Building Society's own page

Mortgages

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Accepts with conditions
Updated

US persons: right to reside, and the loan to value tiers on your income without settled status

Citizenship is not a bar. Yorkshire accepts indefinite leave to remain, settled or pre-settled status, or a right to reside that a work visa satisfies. Through its broker arm Accord, an applicant without settled status is capped at 90% loan to value on income of at least £50,000, and 75% below that.

Direct, or through Accord for brokers · indefinite leave, settled status or right to reside

Source: YBS mortgage lending criteria, 2026-08-17 Yorkshire Building Society's own page

Junior cash ISAs

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Not offered
Updated

YBS's children's page offers only the Children's Saver, and its variable rates sheet dated 13 August 2026 lists no Junior ISA among accounts on sale or withdrawn; its guides describe Junior ISAs only in general terms. Its Children's Saver application form, not a Junior ISA, asks whether the child is a US citizen and requires the child's US tax identification number if so.

Source: YBS children's savings accounts page, 2026-09-11 Yorkshire Building Society'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.

 Tax

FBAR

If your foreign accounts top $10,000 combined at any point in the year, you file an FBAR. What counts, when it is due, and what happens if you miss it.

 Tax

ISA US tax

The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.

 Tax

Saving for a child

How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.