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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 checked.

At a glance

Account Verdict Last checked
Savings accounts Skip
Cash ISAs Skip
Credit cards With strings

Savings accounts

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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 Last checked Zopa's own page

Cash ISAs

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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 Last checked Zopa's own page

Credit cards

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With strings

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
 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 Last checked Zopa'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.

 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.