Momo
US citizens in the UK · Institutions

Which Zopa accounts accept US citizens

Last checked

Zopa has been checked for US citizens across 3 account types. 1 is open to a US person (with strings) and 2 are closed.

If you already have an account with Zopa, a second one there is usually the easier application, because Zopa 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 Declines US citizens —
Cash ISAs Declines US citizens —
Credit cards Accepts with conditions 1

Savings accounts

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Declines US citizens
Updated

Zopa requires sole UK tax residency and says applicants must not be a US citizen, so it will not open a savings account for a US person.

Source: Zopa, 2026-08-09 Zopa's own page

Cash ISAs

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Declines US citizens
Updated

Zopa requires sole UK tax residency and says applicants must not be a US citizen, so it will not open its cash ISA for a US person. The wrapper gives no US relief regardless.

Source: Zopa, 2026-08-09 Zopa's own page

Credit cards

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Accepts with conditions
Updated

US persons: a year of UK address history and two active UK credit lines, so not on arrival

Not a refusal so much as a wait. Zopa asks for a year of UK address history, a credit history it can see, and two active UK credit lines such as a phone contract and an overdraft. None of that turns on citizenship, and it charges nothing on foreign spending, so it is worth returning to once you have been here a year.

Zopa Bank · needs a year here and an existing UK credit footprint

Account Terms The catch
Zopa Credit Card
Representative APR
34.8% APR representative
Card fee
Free
Abroad
No foreign transaction fee
Rate as of
 Rates from 29.8%. Needs a year of UK address history, income of at least £10,000, and two active UK credit lines.

Source: Zopa credit card eligibility help page, 2026-08-17 Zopa'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.