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US citizens in the UK · Institutions

Which Zilch accounts accept US citizens

Last checked

Zilch offers a credit card to a US person, with strings.

If you already have an account with Zilch, a second one there is usually the easier application, because Zilch 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 With strings

Credit cards

Compare with other providers
With strings

US persons: a pay in instalments card rather than a general purpose one

Open to any UK resident, but treat it as a spending tool rather than a travel card. Foreign spending costs 2.99% unless you pay £2.99 a month for the Extra tier that removes it, and the card is blocked for cash withdrawals entirely.

App only · open to any UK resident

Account Terms The catch
Zilch Standard
Representative APR
From 14.9% APR representative
Card fee
Free, or £4.99 for a physical card
Abroad
2.99% built into the converted amount on any non-sterling purchase. No cash withdrawals.
Rate as of
 Credit lines run from £50 to £4,500. Sign up runs a soft credit check.
Zilch Extra
Representative APR
From 14.9% APR representative
Card fee
£2.99 a month
Abroad
No foreign exchange fee, which is the main thing the subscription buys. No cash withdrawals.
Rate as of
 The fee free currency conversion is a membership benefit, so it stops the month you cancel.

Source: Zilch cards page, 2026-08-17 Last checked Zilch'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.