Momo
US citizens in the UK

Which UK accounts are right for me?

Say what you are trying to do and Momo lists the accounts that match it, each with the reason and the source beside it. It shows what matches what you described; it does not choose for you.

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Current accounts

All current accounts compared in full

32 checked: 32 open to a US citizen, 0 not.

  1. Al Rayan BankAccepts US citizensUpdated

    FSCS £120,000 · app and desktop, counters at Premier offices and Lloyds branches

    What to know

    Al Rayan sets no nationality condition and treats US citizens as a routine reporting matter, so the only real gate is the minimum balance. It is Sharia compliant, so it pays expected profit rather than interest, and this account pays neither.

    Source: Al Rayan personal current account, 2026-08-17
  2. Allied Irish Bank (GB)Accepts US citizensUpdated

    FSCS £120,000 · existing customers only · online, phone or Post Office counters

    What to know

    The gate here is not US status: you must be a UK resident and already an Allied Irish Bank (GB) customer, and you open the account by calling them. Its only tax step is the standard FATCA and CRS self-certification.

    Source: Allied Irish Bank (GB) current accounts, 2026-08-17
  3. Arbuthnot LathamAccepts US citizensUpdated

    FSCS £120,000 · relationship managed, online and mobile

    What to know

    Arbuthnot Latham states the number outright on its own become-a-client form: new private clients must bring at least £750,000 in deposits, investments or borrowing. Nothing in its terms bars US citizens, and the only tax wording is the routine duty to report a change of tax residency.

    Source: Arbuthnot Latham private banking, 2026-08-17
  4. Bank of Ireland UKAccepts US citizensUpdated

    FSCS £120,000 · branches in Northern Ireland, counters at UK Post Offices · app or online

    What to know

    Branches are in Northern Ireland only, with everyday counter services at Post Office branches across the UK, and the stated requirement is being 18 or over and resident in the UK. No page sets a nationality or single-country tax-residency test.

    Source: Bank of Ireland UK current accounts, 2026-08-17
  5. Bank of ScotlandAccepts US citizensUpdated

    FSCS £120,000 · app, online or branch appointment

    What to know

    Bank of Scotland sets an age test of 18 or over and leaves the rest to a general assessment, with no tax-residency wording and no US exclusion. Confidence is a notch lower than sister brand Halifax because the residency criterion is not spelled out on its product pages.

    Source: Bank of Scotland current accounts, 2026-08-17
  6. BarclaysAccepts US citizensUpdated

    FSCS £120,000 · app, online or branch

    What to know

    Onboards US persons once a UK address is proven, with W-9 and FATCA self-certification at sign-up.

    Source: Greenback, 2026-06-19
  7. C. Hoare & CoAccepts US citizensUpdated

    FSCS £120,000 · relationship managed, by phone or in person in London

    What to know

    Nothing in the bank's published tariff, account guide or terms bars US citizens, and it handles US dollar cheques and currency accounts as routine. It publishes no wealth or income minimum, so the visible cost of entry is the monthly charge.

    Source: C. Hoare & Co tariff and account guide, 2026-08-17
  8. CouttsAccepts US citizensUpdated

    FSCS £120,000 · relationship managed, app, online or 24-hour phone

    What to know

    Coutts states on its own important information page that it can offer bespoke investment services to US citizens resident outside the US, so being American is not a bar. The entry requirement is the real gate.

    Source: Coutts important information and current account pages, 2026-08-17
  9. Cumberland Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · Cumbria, south-west Scotland and nearby only · app, online or branch

    What to know

    The Cumberland is regional: new customers must live in its operating area, covering Cumbria, south-west Scotland, west Northumberland and north Lancashire, so it is no use to a reader elsewhere. Nothing on its pages rules out a US citizen or asks for single-country tax residency.

    Source: Cumberland Building Society current accounts, 2026-08-17
  10. Danske Bank UKAccepts US citizensUpdated

    FSCS £120,000 · Northern Ireland only · app, online, phone or branch

    What to know

    Danske Bank UK serves Northern Ireland only, and new customers must be resident there, so a reader in Great Britain cannot use it. Nothing bars a US citizen; the application asks the routine FATCA and CRS tax-residency questions, including whether you are a US citizen.

    Source: Danske Bank UK current accounts, 2026-08-17
  11. First DirectAccepts US citizensUpdated

    FSCS £120,000 · app and phone, no branches

    What to know

    First Direct publishes three conditions for the 1st Account: over 18, UK resident, and no bankruptcy or individual voluntary arrangement in the last six years. Nothing turns on citizenship or on being tax resident in the UK alone.

    Source: First Direct 1st Account, 2026-08-17
  12. HalifaxAccepts US citizensUpdated

    FSCS £120,000 · Halifax app, or online for existing customers

    What to know

    Halifax asks that you are 18 or over and resident in the UK, with no tax-residency test and no US exclusion. The Halifax brand is moving to Lloyds, so applicants who do not use the Halifax app are being pointed at Lloyds accounts.

    Source: Halifax current accounts, 2026-08-17
  13. Hampden & CoAccepts US citizensUpdated

    FSCS £120,000 · relationship managed, from London and Edinburgh

    What to know

    The client agreement asks only that you are 16 or over and resident in the UK, with no wealth minimum and no US restriction anywhere in the terms. There is no monthly fee, but you pay per transaction, so the cost depends on how much you move rather than what you hold.

    Source: Hampden & Co client agreement and tariff, 2026-08-17
  14. Handelsbanken UKAccepts US citizensUpdated

    FSCS £120,000 · local branch relationship manager, online and app

    What to know

    Handelsbanken says plainly that it is not a private bank and sets no minimum for income, assets or mortgages, which makes it the cheapest route into relationship banking here. The published condition is residency rather than nationality: UK resident and over 18, joining through a local branch.

    Source: Handelsbanken becoming a customer, 2026-08-17
  15. HBL Bank UKAccepts US citizensUpdated

    FSCS £120,000 · branch, post or online

    What to know

    States plainly that it welcomes US persons who meet their FATCA obligations.

    Source: HBL FATCA FAQ (provider)
  16. HSBCAccepts US citizensUpdated

    FSCS £120,000 · app, online or branch

    What to know

    HSBC's own account-opening guide asks every applicant for their citizenship and tax residence, and anyone who pays tax outside the UK for a taxpayer identification number, warning that without one some services may not be available. The only exclusion it names is living in a sanctioned country, so nothing in it shuts out a US citizen living here, though it stops short of naming one. HSBC Expat serves non-residents but needs £75,000 in savings or investments to qualify, or £10,000 if you are already HSBC Premier.

    Source: HSBC Safeguard, what HSBC asks when you open an account, 2026-09-25; Greenback; VisaWise, 2026-04; HSBC Expat bank account (the £75,000 qualifying balance), 2026-09-11
  17. KrooAccepts US citizensUpdated

    FSCS £120,000 · app-only

    What to know

    Kroo asks only that you are 18 or over and resident in the UK, the Isle of Man or the Channel Islands. Its terms ask outright whether you are a US person and say the account may be reported, which is reporting rather than a bar.

    Source: Kroo current account terms, 2026-08-17
  18. Lloyds BankAccepts US citizensUpdated

    FSCS £120,000 · app, online or branch

    What to know

    Accepts US persons with a UK address; a Lloyds International account is also available.

    Source: Expat Tax Online; Greenback, 2026-06-19
  19. Metro BankAccepts US citizensUpdated

    FSCS £120,000 · branch and app

    What to know

    Metro Bank asks for 18 or over, UK residency and proof of identity and address. Its self-certification form has a place for the United States and a US tax number, so a US citizen is a reporting case rather than an excluded one.

    Source: Metro Bank current accounts, 2026-08-17
  20. MonzoAccepts US citizensUpdated

    FSCS £120,000 · app-only

    What to know

    Monzo's own help pages set the test at 16 or over, living in the UK full time with the right to reside, and having a UK address. Nationality is not in that test, and Monzo says in as many words that you can open an account without being a UK tax resident. It does publish a tax-status page for US citizens, but that page only points you at the US embassy and says nothing about whether it will open an account, so this is an absence of a bar rather than a stated welcome. Monzo may ask you to verify the address you give, and cannot offer an account without a UK one.

    Source: Monzo help: opening a Monzo account if you're not a UK tax resident, and how to open a Monzo Personal Account, 2026-09-25
  21. Nationwide Building SocietyAccepts US citizensUpdated

    FSCS £120,000, shared with Virgin Money · online, app or phone

    What to know

    Nationwide asks that you are 18 or over, a UK resident, and hold no more than three of its current accounts. It asks about tax residency for FATCA and CRS reporting, which is a reporting step rather than a bar.

    Source: Nationwide current accounts, 2026-08-17
  22. NatWestAccepts US citizensUpdated

    FSCS £120,000 · app, online or branch

    What to know

    Accepts US persons with a UK address, with FATCA self-certification at sign-up.

    Source: Greenback, 2026-06-19
  23. Revolut UKAccepts US citizensUpdated

    FSCS £120,000 via Revolut Bank UK Ltd · app-only

    What to know

    Opens for US persons and is the easiest route before you have a UK address: its Personal Terms set no US-person or tax-residency test. Revolut now operates in the UK through Revolut Bank UK Ltd, which is PRA-authorised, so balances are FSCS-protected rather than merely safeguarded; older balances may still sit with its electronic money entity, so check which one holds yours. Its savings are a separate matter and are closed to you.

    Source: Revolut Personal Terms, which set no US-person test, 2026-09-18
  24. Santander UKAccepts US citizensUpdated

    FSCS £120,000 · app, online, phone or branch

    What to know

    Santander asks only that you are 18 or over and live in the UK permanently. Nothing on its account pages requires you to be tax resident only in the UK, and nothing excludes US citizens.

    Source: Santander current accounts, 2026-08-17
  25. Starling BankAccepts US citizensUpdated

    FSCS £120,000 · app-only

    What to know

    Starling answers the question directly rather than leaving it to inference. Its eligibility page asks only that you are 16 or over, resident in the UK and hold the right to reside. Its FATCA and CRS page then says that if you are eligible to open a Starling account and are also a US person, FATCA does not affect how you use that account: Starling reports it to HMRC, which passes the details to the IRS. The same page defines a US person as a US citizen living anywhere in the world. The one condition it publishes is a taxpayer identification number, usually a Social Security number or ITIN: Starling has to collect one from a US citizen, and says it may not be able to open an account until you have one and share it.

    Source: Starling help: FATCA and CRS, and who is eligible for a Starling bank account, 2026-09-25
  26. The Co-operative BankAccepts US citizensUpdated

    FSCS £120,000 · app, online, phone or Post Office

    What to know

    The Co-operative Bank asks about age, UK residency and credit history, with no tax-residency test and no US exclusion. It runs a separate tax-residence self-certification form that defines US-citizen status, which is a reporting process rather than an account bar.

    Source: The Co-operative Bank accounts, 2026-08-17
  27. Triodos Bank UKAccepts US citizensUpdated

    FSCS £120,000 · app and online, no branches

    What to know

    Triodos requires every account holder to be a UK resident aged 18 or over, and its terms say tax residence outside the UK means reporting rather than closure. Its own tax page defines a US person to include anyone born in the United States and confirms it reports those accounts, so it holds them.

    Source: Triodos tax regulations page, 2026-08-17
  28. TSBAccepts US citizensUpdated

    FSCS £120,000 · app, online, phone or branch

    What to know

    TSB asks that you are 18 or over and a UK resident. Its FATCA page asks customers to declare whether they are a US person, which is a reporting question rather than an eligibility condition.

    Source: TSB current accounts, 2026-08-17
  29. Ulster BankAccepts US citizensUpdated

    FSCS £120,000 · Northern Ireland only · app, online or branch

    What to know

    Ulster Bank now trades in Northern Ireland only, having left the Republic of Ireland, so its branches are all in NI even though the stated test is simply being 18 or over and a UK resident. No page sets a nationality bar.

    Source: Ulster Bank current accounts, 2026-08-17
  30. Virgin MoneyAccepts US citizensUpdated

    FSCS £120,000, shared with Nationwide · app, online or branch

    What to know

    Virgin Money asks that you are 18 or over and living in the UK. Its own tax self-certification tells a US citizen to enter the United States alongside the UK, so US status is handled as reporting rather than refusal.

    Source: Virgin Money CRS and current accounts, 2026-08-17
  31. Weatherbys BankAccepts US citizensUpdated

    FSCS £120,000 · relationship managed, online and mobile

    What to know

    Weatherbys runs a named team of private bankers for US citizens living and working in the UK, which is as close to an open invitation as this market offers. It says it does not ask clients to invest with it in order to open an account, so there is no entry minimum; the cost is the monthly fee unless you hold £350,000 with them.

    Source: Weatherbys US Citizen Services and current accounts, 2026-08-17
  32. Chase UKAccepts with conditionsUpdated

    FSCS £120,000 · app-only

    US citizens: expect follow-up questions after your tax self-certification

    What to know

    Chase asks you to be resident and tax resident in the UK, and its own guidance says that if you are a US citizen or resident it may follow up for more information after your tax self-certification. Being tax resident elsewhere as well is reported rather than refused, but expect the extra step.

    Source: Chase UK, confirming your tax residence, 2026-08-17

Multi-currency accounts

All multi-currency accounts compared in full

7 checked: 7 open to a US citizen, 0 not.

  1. Revolut UKAccepts US citizensUpdated

    FSCS £120,000 via Revolut Bank UK · app-only

    0% interest for US persons
    What to know

    Revolut holds UK personal accounts through Revolut Bank UK, so deposits are FSCS-protected and there is no minimum balance. What a US person cannot have is anything that pays: the ClearBank terms behind Instant Access Savings require you to be a UK tax resident and not a US person, and Revolut cannot offer trading or its money market funds to US persons either. That leaves the account and the currency exchange.

    Source: Revolut pricing plans and the Instant Access Savings (powered by ClearBank) Terms, 2026-09-18
  2. WiseAccepts US citizensUpdated

    Safeguarded, not FSCS-protected · app and online

    E-money: safeguarded, not FSCS-protected0% interest for US persons
    What to know

    Opens to a US citizen living in the UK on the usual tax self-certification, with no minimum balance, and it is the cheapest way to hold and move both currencies. Wise is an electronic money institution, so your balance is safeguarded rather than FSCS-protected, and it earns nothing because the fund partner behind its interest feature cannot onboard US citizens.

    Source: Wise Interest and Stocks eligibility, 2026-08-17
  3. BarclaysAccepts with conditionsUpdated

    FSCS £120,000 · opened by phone or in branch

    What to know

    You can hold euros or dollars beside sterling, but only if you are UK resident, 18 or over, and have held an active Barclays sterling current account for at least six months, and you open it by phone or in branch. Neither account pays interest and the exchange margin is not published.

    Source: Barclays international account tariff, 2026-08-17
  4. Charles Schwab (High-Yield Investor Checking)Accepts with conditionsUpdated

    FDIC $250,000, no UK protection · online and app

    US citizens: needs a US mailing address, so it turns on whether you kept one

    What to know

    Now sold as Schwab Bank Investor Checking, it holds dollars only, and every account holder must give a US mailing address. Whether that rules you out depends on your own circumstances rather than your citizenship: plenty of Americans in the UK keep a genuine US address, and plenty do not. It charges no foreign transaction fee and rebates cash machine fees worldwide, so it is worth keeping if you already hold one.

    Source: Schwab Bank Investor Checking, 2026-08-17
  5. HSBC ExpatAccepts with conditionsUpdated

    Jersey scheme £50,000, not FSCS · online, app or phone

    US citizens: its investing arm is closed to US persons, though the bank account itself is not

    What to know

    The account is booked in Jersey with HSBC Bank plc, so protection is the Jersey depositors scheme at £50,000 rather than the £120,000 you get from a UK bank. You need £75,000 in savings or investments to qualify, or £10,000 if you are already HSBC Premier elsewhere, and falling below costs £50 a month.

    Source: HSBC Expat bank account, 2026-08-17
  6. Lloyds Bank InternationalAccepts with conditionsUpdated

    Jersey scheme £50,000, not FSCS · app, online or phone

    What to know

    Lloyds Bank UK has no personal currency account, so the multi-currency route is Lloyds Bank International in Jersey, where cover is the Jersey scheme at £50,000 rather than FSCS. UK residents are eligible and citizenship is not a bar.

    Source: Lloyds Bank International classic account, 2026-08-17
  7. Starling BankAccepts with conditionsUpdated

    FSCS £120,000 · app-only

    What to know

    Opens to any UK resident on identical terms, and citizenship makes no difference: the page is titled for UK residents and asks only for a Starling personal account first. The catch for an American is that personal customers can only add euros. Starling's dollar account is a business product, sold on top of a Starling business account, and its own help page says applications are paused.

    Source: Starling euro bank account page, and Starling help: who can open a business USD account, 2026-09-25

Credit cards

All credit cards compared in full

31 checked: 26 open to a US citizen, 5 not.

  1. Amazon BarclaycardAccepts US citizensUpdated

    Barclays Bank UK, trading as Barclaycard · same lender as Tesco Bank

    What to know

    No longer a NewDay card. The UK Amazon card is now the Amazon Barclaycard, underwritten by Barclays, and the old NewDay Amazon cards are closed to new applications. That puts it on the same balance sheet as Tesco Bank, so applying to both is one lender looking twice.

    Source: Amazon UK credit card page, 2026-08-17
  2. American Express UKAccepts US citizensUpdated

    American Express · US card history accepted in place of a UK file

    Considers applicants with no UK credit file
    5 more accounts
    What to know

    The most useful card on this page for anyone who has just moved. Amex runs a global card transfer: hold a US consumer Amex as the basic cardmember for at least three months, open and in good standing, and you can apply for a UK card using that account, giving a UK address, a UK phone number and your previous address. Its own wording is conditional, that a UK credit file will be taken into account if you have one, which is what makes it work when you do not. Corporate and network cards are excluded, no balance carries over, and it quotes seven to ten days.

    Source: Amex UK moving abroad and global card transfer page, 2026-08-17
  3. BarclaycardAccepts US citizensUpdated

    Barclays Bank UK · online, app and phone

    4 more accounts
    What to know

    The mainstream pick for anyone spending in dollars: no foreign transaction fee, no annual fee, and a stated zero fee on all cash withdrawals, against 2.99% on its standard cards. The catch is that Barclays underwrites on UK credit history alone, so a recently arrived American may be declined and should run the soft eligibility check first.

    Source: Barclaycard Rewards card page, 2026-08-17
  4. HSBC UKAccepts US citizensUpdated

    Direct · also the lender behind M&S Bank cards

    2 more accounts
    What to know

    HSBC asks that you are over 18, resident here and earning £6,800, and says nothing about nationality. It asks for your last three years of addresses, wherever they were. The trap for a new arrival is the credit file: HSBC can read one from abroad through Nova Credit, but only from nine countries, and the US is not among them. Its page for newcomers adds that without an HSBC current account it offers only the Balance Transfer and Purchase Plus cards, at a limit of £1,000 at most, and the Classic card, the one built for a thin credit file, requires a current account too.

    Source: HSBC UK credit cards pages, eligibility checker and credit cards for UK newcomers, 2026-09-25
  5. M&S BankAccepts US citizensUpdated

    HSBC UK Bank, trading as M&S Bank

    What to know

    Still on sale, with HSBC as the lender behind the M&S name: the card pages say credit is provided by HSBC UK Bank plc trading as M&S Bank, and M&S plc acts as a credit broker. The published bar is being 18 or over, resident in the UK, an income or pension of at least £6,800, a free Sparks membership, a credit register and credit scoring search, no M&S card in the previous 12 months and no decline in the last 30 days, with no citizenship test anywhere in it. M&S Bank's own tax page names FATCA as the law requiring it to identify US persons and report them on citizenship, which is a customer it reports rather than one it turns away.

    Source: M&S Rewards Credit Card, who can apply, and M&S Bank's Common Reporting Standard page, 2026-09-12
  6. MBNAAccepts US citizensUpdated

    MBNA Limited · one group with Lloyds, Halifax and Bank of Scotland

    What to know

    Open and lending, on UK residency, being 18 or over and a regular income. MBNA sits inside Lloyds Banking Group, so an application here overlaps with Lloyds, Halifax and Bank of Scotland rather than adding a separate shot. It publishes no representative rate at all, showing cards only after its own eligibility check.

    Source: MBNA credit cards, 2026-08-17
  7. NatWestAccepts US citizensUpdated

    Direct · no NatWest account needed for most cards

    3 more accounts
    What to know

    The most welcoming of the big banks on paperwork: NatWest names a foreign passport and visa among the identity documents it accepts, which is not something the others spell out. Its test is being 18 or over, living here and earning £10,000, with no nationality condition. Only its credit builder card is restricted, to people who have banked with NatWest for three months.

    Source: NatWest credit cards and eligibility pages, 2026-08-17
  8. Tesco BankAccepts US citizensUpdated

    Barclays Bank UK, trading as Tesco Bank · same lender as the Amazon Barclaycard

    What to know

    The brand survived the sale of Tesco's banking business to Barclays in November 2024, and cards are still open to new customers, but Barclays is now the lender. Criteria are UK residency and being 18 or over, with nothing turning on citizenship. Applying here and to the Amazon Barclaycard is one lender reading your file twice.

    Source: Tesco Bank credit cards, 2026-08-17
  9. TSBAccepts US citizensUpdated

    Direct · no TSB current account needed

    What to know

    The lightest paperwork of the high street: TSB asks for your current UK address rather than years of history, and its published test is being over 18, resident here, with a regular income and no recent defaults. Nationality is never mentioned. The credit file still has to stand up, so this is easier to apply for than to be accepted for.

    Source: TSB credit cards pages, 2026-08-17
  10. Virgin MoneyAccepts US citizensUpdated

    Nationwide Building Society, trading as Virgin Money

    What to know

    Cards remain on sale to UK residents aged 18 or over with no citizenship condition, and are now issued in Nationwide's name after it bought Virgin Money in 2024. Its travel card is the one worth noting if you still spend in dollars, since it drops the currency fee entirely.

    Source: Virgin Money credit cards, 2026-08-17
  11. YonderAccepts US citizensUpdated

    App only · no UK credit score required

    Considers applicants with no UK credit file
    What to know

    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.

    Source: Yonder free credit card page, 2026-08-17
  12. 118 118 MoneyAccepts with conditionsUpdated

    118 118 Money · aimed at thin and impaired files

    US citizens: acceptance rests entirely on a UK credit check

    What to know

    Aimed at thin and impaired files, with published criteria limited to UK residents aged 18 and over, and an eligibility checker that quotes your limit on a soft search first. Its travel card charges nothing on foreign spending and does not mark up the exchange rate, which is rare here, but the representative rate is the steepest on this page.

    Source: 118 118 Money credit cards pages, 2026-08-17
  13. aquaAccepts with conditionsUpdated

    NewDay · also the lender behind the John Lewis Partnership Card

    US citizens: no minimum UK address history published, but it is a card to build a file with

    What to know

    Credit comes from NewDay and the published criteria are unusually short: 18 or over with a permanent UK address, a UK bank account, no bankruptcy in eighteen months and no county court judgment in twelve. No minimum address history appears in that list, which makes aqua one of the more reachable cards on arrival, but at nearly 3% on foreign spending it is a card to build a file with rather than to spend on abroad.

    Source: aqua Classic card page, 2026-08-17
  14. Capital One UKAccepts with conditionsUpdated

    Capital One · also the lender behind Post Office and Ocean cards

    US citizens: needs visible UK credit history and two years of UK addresses

    What to know

    No nationality bar, and Capital One is unusually candid about the problem you actually have, saying that a fantastic credit history in another country cannot be transferred to the UK. It asks for two years of addresses and leans on the electoral roll, so run its soft search before applying rather than applying cold. Note it also underwrites the Post Office and Ocean cards, so those are the same decision at a different rate.

    Source: Capital One UK credit cards and eligibility pages, 2026-08-17
  15. Chase UKAccepts with conditionsUpdated

    App only · needs a Chase account and UK tax residence

    US citizens: you need a Chase account first, and must be UK tax resident

    What to know

    Opens on the same terms as anyone else, and is as clean as this group gets on overseas spending: nothing on foreign transactions and nothing on cash withdrawals, at home or abroad. You need a Chase account first and must be UK tax resident, and it wants six years clear of bankruptcies, county court judgments and individual voluntary arrangements.

    Source: Chase UK credit card application and summary box, 2026-08-17
  16. HalifaxAccepts with conditionsUpdated

    Halifax app · one group with Lloyds, Bank of Scotland and MBNA

    US citizens: app only for existing Halifax customers, and everyone else is sent to Lloyds

    What to know

    Halifax asks only that you are a UK resident aged 18 or over with a regular income, so citizenship is irrelevant here too. The live barrier is the brand move to Lloyds: new applications run through the Halifax app for people already registered for its online banking, and everyone else is pointed at Lloyds, which wants three years of UK address history.

    Source: Halifax credit cards pages, 2026-08-17
  17. John Lewis Partnership CardAccepts with conditionsUpdated

    NewDay is the lender · John Lewis Finance is only a broker

    US citizens: twelve months of UK address history

    What to know

    The one card here that states an address history rule on the page, and it is the rule that catches a recent arrival: twelve months of UK addresses. NewDay also underwrites aqua and other retail brands, so a decline here is likely to repeat across that stable.

    Source: John Lewis Money partnership card page, 2026-08-17
  18. Lloyds BankAccepts with conditionsUpdated

    Direct · one group with Halifax, Bank of Scotland and MBNA

    US citizens: three years of UK address history

    What to know

    No nationality test, only UK residence, being 18 or over and a regular income. The strings are in the form, which wants three years of UK address history, and in the credit builder card, which needs three years of UK residency plus a group current account held over a year. Note MBNA, Halifax and Bank of Scotland are the same group.

    Source: Lloyds Bank credit card application guidance, 2026-08-17
  19. MonzoAccepts with conditionsUpdated

    App only · needs a Monzo current account

    US citizens: you need a Monzo current account first

    What to know

    Monzo Flex is a genuine credit card rather than a debit product, and it charges nothing on spending abroad. Two limits worth knowing: it is sold only on top of a Monzo current account, so you cannot start here, and it cannot be used for cash withdrawals at all, anywhere.

    Source: Monzo Flex page, 2026-08-17
  20. NationwideAccepts with conditionsUpdated

    Direct · members only · also owns Virgin Money

    US citizens: members only, so you must open a Nationwide account first

    What to know

    Nationwide's cards are for members only, so you have to open something with them first, though a savings account is enough to count. Nothing in the criteria turns on nationality: 18 or over, resident here, earning £5,000. It also owns Virgin Money now, so those are not two separate chances.

    Source: Nationwide credit cards pages, 2026-08-17
  21. Ocean Credit CardAccepts with conditionsUpdated

    Capital One is the lender · Ocean Finance is only a broker

    US citizens: the same Capital One decision as its Classic card, at a higher rate

    What to know

    Worth knowing who you are actually applying to. Ocean Finance is a credit broker and Capital One is the exclusive lender, so this meets the same underwriting decision as the Capital One Classic card but at a higher headline rate. Applying to both is one decision, not two chances.

    Source: Ocean Finance credit cards page, 2026-08-17
  22. Post Office MoneyAccepts with conditionsUpdated

    Capital One is the lender · Post Office is only a broker

    US citizens: the same Capital One decision: visible UK credit history and two years of addresses

    What to know

    Capital One is the exclusive lender and writes every new account, which is why the representative rate is high: it prices for thinner files. The Post Office page asks only that you are 18 or over and live in the UK, then wants your addresses for the previous two years, and Capital One says outright that a credit history built in another country cannot be transferred to the UK. Applying here, to Ocean and to Capital One direct is one lender three times.

    Source: Post Office credit card page and Capital One credit builder cards page, 2026-09-27
  23. Santander UKAccepts with conditionsUpdated

    Direct · no Santander account needed

    US citizens: it asks for a permanent UK resident, a stiffer test than the others use

    What to know

    No nationality bar, but Santander words its residency test as permanent UK resident, which is stiffer than the plain UK resident the others use and worth checking against your visa before applying. For anyone still spending in dollars its cards are among the best here, since both the Rewards and All in One cards drop the currency fee entirely.

    Source: Santander UK credit cards pages, 2026-08-17
  24. Vanquis BankAccepts with conditionsUpdated

    Vanquis Bank · built for thin and impaired files

    US citizens: needs three years of UK address history

    What to know

    Vanquis lends to thin and damaged files and its published test has no nationality element, only that you are 18, have a regular income and are a permanent UK resident. The application then asks for three years of addresses, which a recent arrival cannot give. Worth knowing its travel card drops the currency fee to nothing, which is rare at this end of the market.

    Source: Vanquis credit cards pages, 2026-08-17
  25. ZilchAccepts with conditionsUpdated

    App only · open to any UK resident

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

    What to know

    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.

    Source: Zilch cards page, 2026-08-17
  26. ZopaAccepts with conditionsUpdated

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

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

    What to know

    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.

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

Do not offer this in the UK at all5

Savings accounts

All savings accounts compared in full

65 checked: 52 open to a US citizen, 13 not.

  1. Al Rayan BankAccepts US citizensUpdated

    FSCS £120,000 · app and desktop · sole applicants only

    What to know

    Al Rayan sets no nationality condition on savings, so US citizenship is a reporting matter rather than a bar. It is Sharia compliant, so every figure here is an expected profit rate rather than guaranteed interest; the rate is a target the bank expects to pay, not a promise. The US still taxes what you receive as ordinary income.

    Source: Al Rayan Bank savings, 2026-08-17
  2. Allied Irish Bank (GB)Accepts US citizensUpdated

    FSCS £120,000 · open by phone, then manage by phone or online

    What to know

    The savings side sets no nationality condition: you must be a UK resident aged 18 or over, and the only tax step is the standard self-certification. New customers are limited to the Fixed Rate Saver, because the easy access and notice range is closed to new applicants. The US taxes the interest as ordinary income.

    Source: Allied Irish Bank (GB) savings and deposits, 2026-08-17
  3. Arbuthnot LathamAccepts US citizensUpdated

    FSCS £120,000 · relationship managed · £750,000 entry

    What to know

    Arbuthnot Latham is the only private bank here whose savings are open to new clients rather than existing ones only, and it publishes every rate. The catch is the entry price rather than your citizenship. The US taxes the interest as ordinary income.

    Source: Arbuthnot Latham savings rates, 2026-08-17
  4. Atom BankAccepts US citizensUpdated

    FSCS £120,000 · app-only

    3 more accounts
    What to know

    Atom opens its app-based savers to any UK resident aged 18 or over, with no US-person bar in the terms, and reports interest to HMRC and overseas tax authorities as required. The US taxes the interest as ordinary income.

    Source: Atom bank Instant Saver terms, 2026-05-19
  5. Bank of Ireland UKAccepts US citizensUpdated

    FSCS £120,000, shared with Post Office Money · UK wide, branches in Northern Ireland · online, app, phone or branch

    What to know

    Savings are open to personal customers resident anywhere in the UK, with no citizenship test and no sole-tax-residency wording. The FSCS limit is shared with Post Office Money, which Bank of Ireland provides. The US taxes the interest as ordinary income.

    Source: Bank of Ireland UK savings, 2026-08-17
  6. Bank of ScotlandAccepts US citizensUpdated

    FSCS £120,000, shared with Halifax · online, app, phone or branch

    What to know

    The stated test is being 16 or over and resident in the UK, so US citizenship is no bar and there is no sole-tax-residency wording. The FSCS limit is shared with Halifax, so money at both is covered once, not twice. The US taxes the interest as ordinary income.

    Source: Bank of Scotland savings, 2026-08-17
  7. BarclaysAccepts US citizensUpdated

    FSCS £120,000 · app, online, branch or phone

    What to know

    Barclays sets savings eligibility at 16 or over and UK resident, with no sole-tax-residency test and no US-person exclusion; its own help pages say a US person simply supplies a US taxpayer identification number for reporting. The US taxes the interest as ordinary income.

    Source: Barclays savings and FATCA help pages, 2026-08-17
  8. C. Hoare & CoAccepts US citizensUpdated

    FSCS £120,000 · relationship managed · current account required

    What to know

    C. Hoare & Co publishes a full personal deposit rate sheet, so there is no guesswork, but every savings account is open only to customers who already hold a current account with the bank. The US taxes the interest as ordinary income.

    Source: C. Hoare & Co personal deposit rates, 2026-08-17
  9. Charter Savings BankAccepts US citizensUpdated

    FSCS £120,000 via Charter Court Financial Services · online and post

    What to know

    Charter opens savings to anyone 18 or over resident in the UK, with no sole-tax-residency wording and no US-person bar; its FATCA form asks whether you are a US citizen and collects a taxpayer identification number, so US citizens are handled rather than turned away. The US taxes the interest as ordinary income.

    Source: Charter Savings Bank rates, 2026-08-17
  10. ChipAccepts US citizensUpdated

    FSCS £120,000 via ClearBank · app-only

    What to know

    Chip opens its savings accounts to any UK tax resident aged 18 or over, with no US-person bar; the 'tax only in the UK' rule that blocks its cash ISA does not apply here. The US taxes the interest as ordinary income.

    Source: Chip Instant Access savings, 2026-08-09
  11. Close Brothers SavingsAccepts US citizensUpdated

    FSCS £120,000 · online

    What to know

    Open to anyone 18 or over resident in the UK, with no sole-tax-residency condition and no US-person bar; accounts are opened online. The US taxes the interest as ordinary income.

    Source: Close Brothers Savings rates, 2026-08-17
  12. CouttsAccepts US citizensUpdated

    FSCS £120,000 · relationship managed · Coutts current account required

    What to know

    Coutts publishes full savings rates, but every savings account requires a Coutts current account in the same currency, so you need the private banking relationship first and its £3 million entry test applies. The US taxes the interest as ordinary income.

    Source: Coutts rates and prices, 2026-08-17
  13. Coventry Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, branch, post or phone

    3 more accounts
    What to know

    Opens to UK residents with the usual tax residency and taxpayer identification questions; Coventry's own help pages confirm it holds accounts for US citizens and reports them, and there is no sole-tax-residency wording. The US taxes the interest as ordinary income.

    Source: Coventry Building Society savings rates, 2026-08-17
  14. Cumberland Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online

    What to know

    Nothing in the Cumberland savings rules excludes a US citizen or asks for tax residency in one country only. The bar is geography: new customers must live in its operating area. The US taxes the interest as ordinary income.

    Source: Cumberland Building Society savings, 2026-08-17
  15. Cynergy BankAccepts US citizensUpdated

    FSCS £120,000 · online

    What to know

    Open to anyone 18 or over who is a UK resident for tax purposes, with no requirement to be tax resident only in the UK. The US taxes the interest as ordinary income.

    Source: Cynergy Bank savings rates, 2026-08-17
  16. Danske Bank UKAccepts US citizensUpdated

    FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch

    8 more accounts
    What to know

    Savings eligibility turns on residence rather than citizenship, with nothing excluding US persons. The catch is geographic: new customers must live in Northern Ireland, though existing customers can be anywhere in the UK. The US taxes the interest as ordinary income.

    Source: Danske Bank UK savings, 2026-08-17
  17. First DirectAccepts US citizensUpdated

    FSCS £120,000, shared with HSBC UK · online, app or phone, no branches

    What to know

    The only stated tests are UK residence and holding a First Direct 1st Account, with nothing about citizenship or tax residency elsewhere. Every savings product is closed to non-customers, so the current account has to come first. The US taxes the interest as ordinary income.

    Source: First Direct savings, 2026-08-17
  18. HalifaxAccepts US citizensUpdated

    FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch

    What to know

    Halifax asks only that you are 16 or over and resident in the UK, with no sole-tax-residency wording and no US-person bar; most accounts open without a Halifax current account. Note the FSCS limit is shared with Bank of Scotland, so holding money at both does not double your cover. The US taxes the interest as ordinary income.

    Source: Halifax savings, 2026-08-17
  19. Hampden & CoAccepts US citizensUpdated

    FSCS £120,000 · relationship managed · Hampden current account required

    What to know

    Hampden publishes an indicative sterling deposit rate sheet and says your banker confirms the final rate. Its terms require a Hampden current account to open any deposit account, so this is for clients rather than the public. The US taxes the interest as ordinary income.

    Source: Hampden & Co deposit rates, 2026-08-17
  20. Handelsbanken UKAccepts US citizensUpdated

    FSCS £120,000 · branch managed · rates agreed individually

    What to know

    Handelsbanken publishes no savings rates at all: its own site says it does not list product rates and that branches agree terms with each customer, so its notice account page tells you to ask your account manager. You also need a Handelsbanken current account first, which means the rate cannot be compared before you have the relationship. The US taxes the interest as ordinary income.

    Source: Handelsbanken savings, 2026-08-17
  21. HBL Bank UKAccepts US citizensUpdated

    FSCS £120,000 · open in branch in London or Manchester, then manage online

    2 more accounts
    What to know

    HBL sets no nationality condition on savings: you need to be 18 or over, pass its checks and apply in branch. Its fixed term deposits need an existing HBL account and it publishes its sterling rates, with euro rates quoted on request. The US taxes the interest as ordinary income.

    Source: HBL Bank UK savings fact sheet, 2026-08-17
  22. Investec SaveAccepts US citizensUpdated

    FSCS £120,000 · online

    What to know

    Published eligibility is a UK address and phone, a UK bank account and UK photo ID, with no sole-tax-residency condition; expect a minimum deposit around £5,000. The US taxes the interest as ordinary income.

    Source: Investec savings rates, 2026-08-17
  23. Kent RelianceAccepts US citizensUpdated

    FSCS £120,000 via OneSavings Bank · online, post or Kent branches

    7 more accounts
    What to know

    Kent Reliance asks only that you are 18 or over and reside in the UK, with no sole-tax-residency condition and no US-person exclusion in its savings conditions. The US taxes the interest as ordinary income.

    Source: Kent Reliance savings rates, 2026-08-17
  24. KrooAccepts US citizensUpdated

    FSCS £120,000 · app-only, no standalone savings account

    What to know

    Kroo has no standalone savings account: interest is paid on the current account balance and on pots, and the only residency test is that you live in the UK, Isle of Man or Channel Islands. Its terms ask about US-person status for reporting rather than as an exclusion. The US taxes the interest as ordinary income.

    Source: Kroo current account pages, 2026-08-17
  25. Leeds Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, branch or post

    What to know

    Opens to UK residents aged 18 or over, with routine reporting questions covering tax residency and US citizenship; some accounts are branch or post only, so pick an online saver to apply from home. The US taxes the interest as ordinary income.

    Source: Leeds Building Society savings rates, 2026-08-17
  26. Lloyds BankAccepts US citizensUpdated

    FSCS £120,000 · online, app or branch

    What to know

    Lloyds asks only that you are 16 or over and a UK resident, with no sole-tax-residency condition and nothing in its published eligibility excluding US citizens. The US taxes the interest as ordinary income.

    Source: Lloyds Bank easy saver, 2026-08-17
  27. Metro BankAccepts US citizensUpdated

    FSCS £120,000 · online, app or in store

    3 more accounts
    What to know

    Metro Bank's instant access savings asks only that you are 16 or over and resident in the UK, with no Metro current account required; its account-opening guidance expects some applicants to be tax resident elsewhere as well as the UK, and nothing published rules out US persons. The US taxes the interest as ordinary income.

    Source: Metro Bank savings pages, 2026-08-17
  28. MonzoAccepts US citizensUpdated

    FSCS £120,000 · app-only, needs a Monzo current account

    What to know

    Monzo sets the test for an Instant Access Savings Pot at 16 or over with a Monzo current account, and the page adds UK residents only. Nationality and tax residency are not in that test, and the current account behind it can be opened without being a UK tax resident. The US taxes the interest as ordinary income.

    Source: Monzo Instant Access Savings eligibility, 2026-09-25
  29. Nationwide Building SocietyAccepts US citizensUpdated

    FSCS £120,000, shared with Virgin Money · online, app or branch

    2 more accounts
    What to know

    Nationwide requires you to be 16 or over and a UK resident, and its savings declaration sets no tax-residency condition beyond asking about your tax position. The US taxes the interest as ordinary income.

    Source: Nationwide savings pages, 2026-08-17
  30. NatWestAccepts US citizensUpdated

    FSCS £120,000 · online, app or branch

    What to know

    NatWest opens adult savings to anyone over 16 who is a UK resident, with no US-person bar; its cash ISA, Digital Regular Saver and Flexible Saver are limited to existing NatWest current account customers. The US taxes the interest as ordinary income.

    Source: NatWest savings and tax residency pages, 2026-08-17
  31. Nottingham Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, app or branch

    What to know

    Opens to UK residents who are UK tax resident, applying online or in branch; the published eligibility carries no sole-tax-residency wording and no US-person bar. The US taxes the interest as ordinary income.

    Source: Nottingham Building Society savings rates, 2026-08-17
  32. NS&IAccepts US citizensUpdated

    HM Treasury backed · online, phone or post

    What to know

    NS&I is backed by HM Treasury, and a UK-resident US person can hold its Direct Saver, Income Bonds and Premium Bonds provided you keep a UK bank account in your own name, because NS&I pays only to a UK account in sterling. Premium Bonds pay prizes rather than interest; the prizes are free of UK tax, but on the conservative reading the US taxes them as gambling winnings. NS&I warns that US gaming and lottery laws may make holding Premium Bonds impossible or impractical once you live in the US. The US taxes the interest on the other two as ordinary income.

    Source: NS&I: saving with us when living abroad, and Premium Bonds, 2026-09-27
  33. Paragon BankAccepts US citizensUpdated

    FSCS £120,000 · online and post

    What to know

    Paragon asks that you are 18 or over and resident in the UK for tax purposes, with no requirement to be tax resident nowhere else; its terms tell a US person to confirm that status on the application, which is routine reporting rather than a bar. The US taxes the interest as ordinary income.

    Source: Paragon Bank savings rates, 2026-08-17
  34. Post Office MoneyAccepts US citizensUpdated

    FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone

    3 more accounts
    What to know

    Post Office savings are provided by Bank of Ireland (UK) and ask only that you are UK resident and resident in the UK for tax purposes, with no sole-residency wording; US citizens are treated as ordinary account holders whose details are collected under FATCA. The US taxes the interest as ordinary income.

    Source: Post Office savings rates, 2026-08-17
  35. Principality Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, branch, agency or post

    What to know

    Opens to UK residents; its self-certification form asks whether you are a US citizen and records a non-UK tax residency alongside the UK rather than refusing it. Several products are branch or agency only. The US taxes the interest as ordinary income.

    Source: Principality savings rates, 2026-08-17
  36. Santander UKAccepts US citizensUpdated

    FSCS £120,000 · online, app, phone or branch

    2 more accounts
    What to know

    Santander's terms require only that you are a UK resident, and handle non-UK tax obligations by reporting rather than refusing the account, with no sole-tax-residency condition. The US taxes the interest as ordinary income.

    Source: Santander savings pages, 2026-08-17
  37. Skipton Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, app, branch, post or phone

    8 more accounts
    What to know

    Open to UK residents aged 16 or over, with no sole-tax-residency condition and no US-person bar; you can apply online, in branch, by post or by phone. The US taxes the interest as ordinary income.

    Source: Skipton savings rates, 2026-08-17
  38. Starling BankAccepts US citizensUpdated

    FSCS £120,000 · app-only, needs a Starling current account

    What to know

    Starling's Easy Saver asks for an open Starling personal current account, that you are 18 or over and that you are a UK resident. Nationality and tax residency are not in that test, and Starling's own FATCA page says a US person eligible for an account is not restricted in how they use it. The saver sits inside the app, so the current account comes first, which applies to everyone. The US taxes the interest as ordinary income.

    Source: Starling help: how do I open and manage my Easy Saver, 2026-09-25
  39. Tandem BankAccepts US citizensUpdated

    FSCS £120,000 · app-only

    What to know

    Tandem opens its savers to UK residents aged 18 or over who also hold a UK current account in their own name, with no US-person exclusion. The US taxes the interest as ordinary income.

    Source: Tandem Bank savings FAQ, 2026-08-09
  40. Tesco BankAccepts US citizensUpdated

    FSCS £120,000 shared with Barclays, which provides it · online

    6 more accounts
    What to know

    Tesco Bank savings are now provided by Barclays trading as Tesco Bank and remain open to new applications, asking only that you are 18 or over, UK resident, and hold a UK current account, with no US-person bar. The US taxes the interest as ordinary income.

    Source: Tesco Bank savings rates, 2026-08-17
  41. The Co-operative BankAccepts US citizensUpdated

    FSCS £120,000 · online, app or branch

    6 more accounts
    What to know

    The Co-operative Bank asks only that you are 16 or over and a UK resident for most savings accounts, with no tax-residency condition attached; a few accounts are exclusive to its current account holders. The US taxes the interest as ordinary income.

    Source: The Co-operative Bank savings pages, 2026-08-17
  42. Triodos Bank UKAccepts US citizensUpdated

    FSCS £120,000 · online only, no branches

    What to know

    Triodos asks only that savers are UK residents aged 16 or over, and its own tax pages treat US citizenship as a reporting matter rather than a reason to refuse. Everything runs online, so there is no branch route. The US taxes the interest as ordinary income.

    Source: Triodos Bank UK savings, 2026-08-17
  43. TSBAccepts US citizensUpdated

    FSCS £120,000 · online, app or branch

    What to know

    TSB asks that you are 16 or over and a UK resident for most of its savings accounts, collecting tax residency and nationality for reporting rather than using them as a bar. The US taxes the interest as ordinary income.

    Source: TSB savings pages, 2026-08-17
  44. Ulster BankAccepts US citizensUpdated

    FSCS £120,000, shared with NatWest · branches in Northern Ireland only · online, app or phone

    What to know

    Eligibility is being 16 or over and a UK resident, with no citizenship or sole-tax-residency test. This is the Northern Ireland arm of NatWest Group, so the FSCS limit is shared with NatWest and branch service is Northern Ireland only. The US taxes the interest as ordinary income.

    Source: Ulster Bank savings, 2026-08-17
  45. United Trust BankAccepts US citizensUpdated

    FSCS £120,000 · online, phone or post

    11 more accounts
    What to know

    Personal applicants need to be 18 or over and permanently resident in the UK; the stricter tax-residency wording applies only to business accounts. Expect a minimum balance around £5,000. The US taxes the interest as ordinary income.

    Source: United Trust Bank personal deposits, 2026-08-17
  46. Virgin MoneyAccepts US citizensUpdated

    FSCS £120,000, shared with Nationwide · online or app

    What to know

    Virgin Money opens online savings to UK residents aged 16 or over and treats non-UK tax residency as a self-certification and reporting matter, with no US-person exclusion in its published terms. The US taxes the interest as ordinary income.

    Source: Virgin Money savings pages, 2026-08-17
  47. Weatherbys BankAccepts US citizensUpdated

    FSCS £120,000 · relationship managed · Weatherbys clients only

    9 more accounts
    What to know

    Weatherbys publishes rates for all eighteen of its deposit accounts, unusually open for a private bank, though they are available to Weatherbys clients only. It is also the bank on this site with a named team for US citizens, so the relationship is the easiest here to start. The US taxes the interest as ordinary income.

    Source: Weatherbys deposit accounts, 2026-08-17
  48. Yorkshire Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, branch or post

    What to know

    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.

    Source: Yorkshire Building Society savings rates, 2026-08-17
  49. Chase UKAccepts with conditionsUpdated

    FSCS £120,000 · app-only

    US citizens: expect follow-up questions after your tax self-certification

    What to know

    Chase opens its saver to a UK-resident US person but may follow up for more information after your tax self-certification, and you must be UK resident only; the pot sits behind a Chase current account. The US taxes the interest as ordinary income.

    Source: Chase UK, confirming your tax residence, 2026-08-09
  50. FlagstoneAccepts with conditionsUpdated

    FSCS £120,000 per banking group · holding account with HSBC · £10,000 minimum

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    A cash deposit platform rather than a bank: one application opens savings accounts across 65 or more banks, so a large balance can sit under several FSCS limits at once instead of one. Its published eligibility is UK residency, 18 or over, a UK bank account and £10,000, and nothing in its own material mentions US citizens, US persons or FATCA either way, so ask before applying. The cash waits in a holding account with HSBC while you choose, and Flagstone takes up to 0.30% of the interest rather than a platform fee. The US taxes the interest as ordinary income wherever the underlying account sits.

    Source: Flagstone help and support, and how it works, 2026-09-18
  51. Ford MoneyAccepts with conditionsUpdated

    FSCS £120,000 · online

    US citizens: contact them so the right FATCA declaration form can be sent

    What to know

    Ford Money states plainly that a US citizen in the UK can apply, which few providers do, provided you make a FATCA declaration and give a taxpayer identification number. It asks non-UK tax residents to contact it so the right declaration form can be sent, so expect one step more than the usual tick box. The US taxes the interest as ordinary income.

    Source: Ford Money product pages, 2026-08-17
  52. HSBCAccepts with conditionsUpdated

    FSCS £120,000 · phone or branch for a US citizen

    US citizens: apply by phone or in a branch, not online, because a US citizen has more than one tax residency

    What to know

    HSBC opens its savers to a US person, but not online: each saver's page says anyone with more than one tax residency, which a US citizen living here has, cannot finish the application in the app or online banking. The Online Bonus Saver is then opened by phone and needs an existing HSBC account; the Flexible Saver and Premier Savings can also be opened in a branch, and the Flexible Saver needs no other HSBC account. The US taxes the interest as ordinary income.

    Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25

Will not open one for a US citizen13

Cash ISAs

All cash ISAs compared in full

37 checked: 28 open to a US citizen, 9 not.

  1. Atom BankAccepts US citizensUpdated

    FSCS £120,000 · app-only

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Atom's cash ISA terms require you to be 18 or over and a UK resident for tax purposes, or a Crown servant serving overseas. There is no US-person exclusion, only the standard question about reporting to tax authorities elsewhere. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Atom cash ISA terms, 2026-08-17
  2. BarclaysAccepts US citizensUpdated

    FSCS £120,000 · online, app, phone or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    2 more accounts
    What to know

    Barclays asks only that you are 18 or over and resident in the UK for tax purposes, which is the statutory ISA test. Nothing in its cash ISA terms limits you to UK-only tax residency or excludes US persons. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Barclays cash ISAs, 2026-08-17
  3. Charter Savings BankAccepts US citizensUpdated

    FSCS £120,000 via Charter Court Financial Services, a separate licence from Kent Reliance · online

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Charter's ISA booklet sets the bar at any UK resident aged 18 or over, with no sole-tax-residency test. Its own FATCA form asks whether you are a US citizen and collects your citizenship, tax residency and taxpayer identification number, so a US person is handled rather than refused. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Charter Savings Bank ISA booklet and FATCA form, 2026-08-17
  4. Close Brothers SavingsAccepts US citizensUpdated

    FSCS £120,000 · online and post · fixed rate only

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA is open to anyone 18 or over who is a UK tax resident, with no exclusive-residency wording and no US-person clause. Close Brothers offers fixed rate cash ISAs only, in sole names, with a £10,000 minimum. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Close Brothers fixed rate cash ISA, 2026-08-17
  5. Coventry Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, app, phone, branch or post

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA declaration repeats the HMRC test on UK tax residency and the Crown employee exception, with nothing about sole residency or US persons; you must be 18 or over and give a National Insurance number. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Coventry cash ISA declaration, 2026-08-17
  6. Cynergy BankAccepts US citizensUpdated

    FSCS £120,000 · online, post or phone

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Cynergy asks only that you are 18 or over and a UK resident for tax purposes, and its cash ISA terms repeat that with no requirement to be tax resident solely in the UK. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Cynergy Bank cash ISA terms, 2026-08-17
  7. Ford MoneyAccepts US citizensUpdated

    FSCS £120,000 · online

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Ford Money opens a cash ISA to anyone 18 or over who is a UK resident taxpayer with a National Insurance number, with no sole-tax-residency test and no US-person exclusion. Its terms documents were not reachable directly, so this rests on its own FAQ and summary boxes. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Ford Money cash ISA pages, 2026-08-17
  8. HalifaxAccepts US citizensUpdated

    FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Halifax asks that you are 18 or over, resident in the UK for tax purposes and have a National Insurance number. Its conditions repeat the statutory test and add only the Crown employee extension. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Halifax cash ISAs, 2026-08-17
  9. HSBCAccepts US citizensUpdated

    FSCS £120,000, shared with First Direct and M&S Bank · online, app, phone or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    HSBC states the statutory test word for word: resident in the UK for tax purposes, or a Crown servant serving overseas. Its phone-only route exists for people with no National Insurance number or UK address, which is not a US-specific step. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: HSBC cash ISA, 2026-08-17
  10. Kent RelianceAccepts US citizensUpdated

    FSCS £120,000 via OneSavings Bank, a separate licence from Charter · branch only while online ISA applications are paused

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA declaration uses standard HMRC wording on UK tax residency and adds no sole-residency test or US-person bar. Online ISA applications are currently paused, so these are branch only for now. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Kent Reliance ISA declaration, 2026-08-17
  11. Leeds Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · the Online Access ISA and E-ISA are online only, and the ISA Saver, Six Access ISA and Single Access ISA are branch or post only

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    4 more accounts
    What to know

    Eligibility on every cash ISA reads that you must be 18 or over and a UK resident for tax purposes, or a Crown employee serving overseas or their spouse. No sole-residency test and no US-person bar. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Leeds Building Society cash ISAs, 2026-08-17
  12. Lloyds BankAccepts US citizensUpdated

    FSCS £120,000 · online, app, phone or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA test is being 18 or over, resident in the UK for tax purposes and holding a National Insurance number, with only the Crown employee extension added. There is no requirement to be tax resident nowhere else. The IRS still taxes the interest as US income, as the wrapper gives no US relief. One caution before you rely on the terms alone: Lloyds published Junior Cash ISA conditions carry no US test either, yet a parent applying for a US citizen child has been refused, which reads as a screen applied at the counter rather than in the contract. Ask before you count on a yes.

    Source: Lloyds cash ISA Saver eligibility and Junior Cash ISA conditions, 2026-08-24
  13. Metro BankAccepts US citizensUpdated

    FSCS £120,000 · online or in store

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Metro Bank's cash ISA conditions are being 18 or over with a National Insurance number and UK residence, plus a visa or residence permit if you are not a UK, EU, EEA or Swiss national. The ISA terms carry no US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Metro Bank cash ISA terms, 2026-08-17
  14. MonzoAccepts US citizensUpdated

    FSCS £120,000 · app-only

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Monzo's own cash ISA page sets the test at a UK resident aged 18 or over with a Monzo current account, and carries no nationality or US-person exclusion. The full ISA terms live in the app rather than on the website, so the declaration wording could not be read in full. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Monzo Instant Access Cash ISA eligibility, 2026-09-25
  15. NationwideAccepts US citizensUpdated

    FSCS £120,000 · online, app or branch, but new customers must open a fixed rate cash ISA in branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The ISA declaration uses the plain HMRC test of being resident in the UK for tax purposes, with the usual Crown employee exception. There is no sole-tax-residency wording and no US-person exclusion in the declaration or the cash ISA terms. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Nationwide ISA declaration, 2026-08-17
  16. NatWestAccepts US citizensUpdated

    FSCS £120,000, shared with Ulster Bank · online, app, phone or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA information sheet asks that you are 18 or over and resident in the UK for tax purposes, with the standard Crown employee extension. The Cash ISA also needs a NatWest current account, which applies to everyone rather than to US citizens specifically. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: NatWest cash ISA information sheet, 2026-08-17
  17. Nottingham Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online and app, or branch, though the Annual Allowance ISA is branch only to open

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA rules state you must be a UK resident for tax purposes, with Crown employees and spouses also qualifying, and there is no sole-residency wording or US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Nottingham Building Society cash ISA rules, 2026-08-17
  18. Paragon BankAccepts US citizensUpdated

    FSCS £120,000 · online and post

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Paragon asks only that you are 18 or over and a UK resident for tax purposes, with no requirement to be tax resident nowhere else. Its general terms go further than most and expressly contemplate US persons, who confirm that status on the application form. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Paragon Bank cash ISAs and general terms, 2026-08-17
  19. Post Office MoneyAccepts US citizensUpdated

    FSCS £120,000 shared with Bank of Ireland UK and AA Savings, which hold the deposits · online, or branch for the fixed rate ISAs

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Eligibility is being 18 or over, a UK resident and resident in the UK for tax purposes, excluding the Channel Islands and Isle of Man. The key information pack repeats the standard HMRC test with no sole-residency wording. Note the FSCS limit is shared with Bank of Ireland UK. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Post Office online ISA, 2026-08-17
  20. Principality Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online or branch, and branch-named accounts must be opened in branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The savings terms ask that you are a UK resident with your permanent home in the UK, which is a home test rather than a sole-tax-residency test, so it does not exclude a US citizen living here. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Principality savings terms and cash ISA pages, 2026-08-17
  21. Santander UKAccepts US citizensUpdated

    FSCS £120,000 · online, app, phone or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Santander asks that you are 18 or over and a UK resident, with the account in your sole name because joint ISAs are not allowed. The key facts carry no sole-tax-residency clause and no US-person exclusion. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Santander ISA key facts, 2026-08-17
  22. Skipton Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · online, app, branch, phone or post

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    4 more accounts
    What to know

    The ISA declaration is standard HMRC wording on UK tax residency with the usual Crown employee carve-out, and carries no sole-residency or US-person clause; you need to be 18 or over with a National Insurance number. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Skipton ISA declaration, 2026-08-17
  23. Starling BankAccepts US citizensUpdated

    FSCS £120,000 · app-only

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Starling's own page for the cash ISA asks for an open Starling personal account, that you are 18 or over, that you are a UK resident and that you hold a National Insurance number. Nationality is not in that test, and there is no sole-tax-residency requirement; the right to reside comes with the Starling account behind it. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Starling help: who can apply for a Starling Cash ISA, 2026-09-25
  24. Tandem BankAccepts US citizensUpdated

    FSCS £120,000 · app-only

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Tandem's cash ISA terms require you to be 18 or over, a UK resident including for tax purposes, with a National Insurance number and a UK current account. Nothing bars US persons. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Tandem cash ISA terms, 2026-08-17
  25. Tesco BankAccepts US citizensUpdated

    FSCS £120,000 shared with Barclays, since Tesco Bank is a trading name of Barclays Bank UK · online, app or phone

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA terms ask that you are 18 or over and resident in the UK, with no requirement to be tax resident only here and no US-person exclusion, though you do need a UK current account. Note the FSCS limit is shared with Barclays, so money at both is covered once. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Tesco Bank cash ISAs, 2026-08-17
  26. The Co-operative BankAccepts US citizensUpdated

    FSCS £120,000 · online or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    The cash ISA key features set the test at UK resident aged 18 or over, in a sole name only, and note that past bankruptcy is no barrier. Neither the key features nor the ISA declaration mentions US persons or tax residency elsewhere. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: The Co-operative Bank cash ISA key features, 2026-08-17
  27. Virgin MoneyAccepts US citizensUpdated

    FSCS £120,000, shared with Nationwide · online or branch

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    Virgin Money's ISA key facts say UK residents aged 18 or over can open a cash ISA, with Crown employees serving overseas also eligible. The cash ISA rules carry no US-person wording and no sole-tax-residency requirement. The IRS still taxes the interest as US income, as the wrapper gives no US relief.

    Source: Virgin Money ISA key facts, 2026-08-17
  28. Yorkshire Building SocietyAccepts US citizensUpdated

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

    Tax-free in the UK only. The US does not recognise an ISA, so the interest goes on your US return as ordinary income. How the US taxes an ISA

    What to know

    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.

    Source: Yorkshire Building Society cash ISA terms, 2026-08-17

Will not open one for a US citizen9

  • Buckinghamshire Building Society

    The cash ISA application form carries the same question as the savings range, asking whether you are a citizen and tax resident of the UK only, and states that accounts cannot be opened for anyone holding tax residency in another country. A US citizen always holds US tax residency. The wrapper would give no US relief in any case, because the IRS does not recognise it and taxes the interest as ordinary income.

    Source: Buckinghamshire Building Society Cash ISA Easy Access Tracker application form, 2026-09-07 Updated Everything checked for Buckinghamshire Building Society

  • Chip

    Chip requires you to pay tax only in the UK, so it will not open its cash ISA for a US person. The wrapper gives a US person no relief anyway, since the IRS taxes the interest as ordinary income.

    Source: Chip Financial / ClearBank Cash ISA Key Features, 2024-04-05 Updated Everything checked for Chip

  • Marcus by Goldman Sachs

    Marcus screens out anyone with US tax links, so it will not open a cash ISA for a US person. The IRS would tax the interest as US income regardless.

    Source: MoneySavingExpert forum, 2026-08-09 Updated Everything checked for Marcus by Goldman Sachs

  • Moneybox

    Moneybox states applicants must not be a US person, so it will not open its cash ISA for a US citizen or dual citizen. The IRS does not recognise the wrapper, taxing the interest as US income.

    Source: Moneybox Support, 2026-08-09 Updated Everything checked for Moneybox

  • Moneyfarm

    Shut for two reasons, and the second one outlives the first. Moneyfarm decided not to accept further US persons as customers and names the FATCA reporting burden as the reason, counting citizens, green card holders, people born in the States and dual nationals. Separately, this is not a deposit account: the money sits in qualifying money market funds, so even if the door opened it would be a fund holding and a PFIC on your US return, which is the opposite of what a cash ISA is for.

    Source: Moneyfarm FAQ, 'I am a US Citizen, can I invest with Moneyfarm?', 2026-08-24 Updated Everything checked for Moneyfarm

  • Shawbrook Bank

    Shawbrook's ISA eligibility requires you to be liable to pay tax only in the UK, which excludes a US person with US tax obligations. The wrapper would give no US relief in any case.

    Source: Shawbrook Bank, All about ISAs, 2026-08-09 Updated Everything checked for Shawbrook Bank

  • Trading 212

    Trading 212 opens no accounts for US persons, so its cash ISA is closed to you unless you can show you have renounced US citizenship. The IRS taxes the interest as US income in any case.

    Source: Trading 212 Help Centre, 2026-08-09 Updated Everything checked for Trading 212

  • TSB

    TSB's ISA important information says you must be 18 or over and resident only in the UK for tax purposes, and that rule covers all three of its cash ISAs. Its ordinary savings terms carry no such clause, so TSB will open you a savings account and refuse you the ISA.

    Source: TSB ISA important information, 2026-08-17 Updated Everything checked for TSB

  • Zopa

    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 Updated Everything checked for Zopa

Stocks and shares ISAs

All stocks and shares ISAs compared in full

47 checked: 17 open to a US citizen, 30 not.

  1. RathbonesAccepts US citizensUpdated

    FSCS £85,000 investment cover · SEC and FCA regulated · discretionary, typically from £300,000

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The ISA sits inside its US service rather than outside it, and Rathbones is refreshingly blunt about what that means. Among the key facts of the offering it lists that ISA income and capital gains are included in your US reports and are not tax exempt under US law. It runs the wrapper and reports it, rather than pretending the tax break survives the Atlantic.

    Source: Rathbones investment services for US taxpayers and individuals and families pages, 2026-09-12
  2. Barclays Smart InvestorAccepts with conditionsUpdated

    FSCS £85,000 investment cover · online, app and phone

    US citizens: a restricted service range, and no trade without a signed W-9

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The ISA eligibility clause asks only for UK tax residence, and the US rule sits several clauses away: a US citizen who is not US resident gets only a restricted range of investment services, and Barclays will place no trade at all without a signed W-9. It does not publish which services survive the restriction, so ask before you transfer anything across.

    Source: Barclays Smart Investor terms, clauses 13.6 to 13.8, 2026-08-17
  3. Canaccord WealthAccepts with conditionsUpdated

    FSCS £85,000 investment cover · typically from £100,000

    US citizens: it will run one, and its own guidance treats an ISA as a trap

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    Canaccord will not refuse you an ISA, and says it will be mindful of the implications of using UK wrappers like ISAs and SIPPs. Read its own guidance first though: it lists assuming UK tax-free wrappers are also tax-free in the US among the common mistakes US expats make. This is a firm that will build you one and would rather you understood why it may not help.

    Source: Canaccord Wealth, investing for US expats, 2026-08-17
  4. Charles Stanley (bespoke management)Accepts with conditionsUpdated

    FSCS £85,000 · Charles Stanley is a trading name of Raymond James Wealth Management · from £20,000

    US citizens: nothing published about US persons, and managed portfolios from £20,000

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    Charles Stanley is a trading name of Raymond James Wealth Management, and it publishes no US person exclusion and no US-connected service either. Its only US restriction is residence based and aimed at people applying from the States, which does not on its face catch a US citizen resident here, but silence is not an offer. Three managed services take an ISA, from the Personal Portfolio Service at £20,000 up to bespoke management at £200,000, and none of them publishes a fee.

    Source: Charles Stanley managed service pages and business terms, read 2026-09-24
  5. Charles Stanley DirectAccepts with conditionsUpdated

    FSCS £85,000 investment cover · Charles Stanley is a trading name of Raymond James Wealth Management · online and app

    US citizens: no published US citizen policy either way, so ring the desk before applying

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    Open on the face of the terms, which are the only set here with no US bar in the ISA section, relying on the statutory residence test alone. A separate clause about accounts for residents outside the UK reads as aimed at people applying from America rather than at a US citizen living here, but Charles Stanley has never said so, so treat this as unconfirmed and ring first.

    Source: Charles Stanley online investing rates and charges and business terms, read 2026-09-24
  6. CMC InvestAccepts with conditionsUpdated

    FSCS £85,000 investment cover · client money in segregated accounts

    US citizens: no US rule published either way, so get it confirmed

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The ISA terms set eligibility at 18 or over and resident in the UK, with no US person clause, and the general terms are equally silent, so nothing published stops you. Its share dealing material historically said US citizens complete a W-9 rather than a W-8BEN, which points to US persons being onboarded, but that page has been consolidated away, so confirm before subscribing. The stocks and shares ISA is not on the free Core plan: it needs Plus or Premium, and dropping back to Core means closing or transferring it out.

    Source: CMC Invest fee tariff, December 2025, its plans page and ISA terms, read 2026-09-24
  7. Evelyn PartnersAccepts with conditionsUpdated

    FSCS £85,000 investment cover · US-connected minimum £350,000

    US citizens: its US material never mentions the ISA either way

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    Evelyn Partners runs a full discretionary service for US-connected clients and separately offers ISAs, and its US material never joins the two: it names individual retirement accounts, UK pensions and custodial accounts, and never an ISA. So this reads as an implicit exclusion rather than a stated one, and its US minimum is £350,000.

    Source: Evelyn Partners USA service page and Form CRS (August 2026), 2026-09-15
  8. Hargreaves LansdownAccepts with conditionsUpdated

    FSCS £85,000 investment cover · online, app and phone

    US citizens: a paper W-9 instead of the online form, no treaty rate, and a funds bar written against US residents

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    HL sets a residence test rather than a citizenship one, so nothing shuts a US citizen out of the wrapper itself. Two frictions are documented on its own pages: a US citizen or taxpayer files a paper W-9 in place of the online W-8BEN and gets no reduced treaty rate on US dividends, and its terms bar a Regulation S US person from holding funds, a test that turns on US residence rather than citizenship, so a US citizen living in the UK is not caught by that wording. The US-citizen transfer restriction HL publishes is written against the Fund and Share Account, not the ISA.

    Source: HL overseas dealing page and online terms and conditions, 2026-09-12
  9. HSBC InvestDirectAccepts with conditionsUpdated

    FSCS £85,000 · needs an HSBC current account and online banking

    US citizens: the only route to it today refuses US citizens outright

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    HSBC has closed InvestDirect to new customers: its product page now redirects to the Global Investment Centre, and existing holders of UK shares and ETFs are being moved there automatically, while gilts, bonds and international shares stay on InvestDirect for now. The Global Investment Centre will not take a US person at all, in both its eligibility list and its terms, so there is no route in for a US citizen today. The ISA page itself sets out only age, UK tax residence and an HSBC current account, and says you can start from £50, but the account behind it is the Global Investment Centre, whose terms say HSBC cannot open or keep an account for a US person, naming US citizens and green card holders.

    Source: HSBC stocks and shares ISA page, Global Investment Centre fee schedule and terms effective 23 August 2026, read 2026-09-25
  10. IGAccepts with conditionsUpdated

    FSCS £85,000 investment cover · online and app

    US citizens: you can open it, but not buy US-incorporated stock inside it

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The ISA page says any UK resident over 18 can open one, and the help centre carries the catch: IG allows a US citizen to buy US-incorporated stock only as a derivative, never through a share dealing account, which is what an ISA is. So you get the wrapper and the UK, European and Australian lines, but not the US stock most people open it for.

    Source: IG help centre on W-8BEN and US citizens, 2026-09-12
  11. Interactive Brokers UKAccepts with conditionsUpdated

    FSCS £85,000, though (as on the ordinary IBKR account) assets are custodied with Interactive Brokers LLC in the US, so SIPC $500,000 with a $250,000 cash sublimit is the more precise cover

    US citizens: a Form W-9 and a social security number at application

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    IBKR runs a stocks and shares ISA as an HMRC-approved ISA manager, and its terms set no citizenship test: you must be 18 or over and UK resident for tax. You must also hold an ordinary IBKR account alongside it, which IBKR opens for US citizens, and its tax page says every US person completes a Form W-9 with a social security number when applying. The ISA can hold only qualifying investments, and IBKR may refuse an ISA application at its discretion.

    Source: IBUK Investment ISA addendum (3 April 2025), IBKR ISA page and IBKR US tax information page, read 2026-09-26
  12. Killik and CoAccepts with conditionsUpdated

    FSCS £85,000 investment cover · managed service from £100,000

    US citizens: barred from its app service, and unanswered on the adviser route

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    One firm, one wrapper, two routes, two different answers. Killik's app-based Silo service publishes a plain bar: to apply you must not be a US citizen or green card holder, and you need three years of UK residential history. Its adviser-led routes to the same ISA say nothing about US citizens, in its May 2026 terms or on its service pages. So the cheap self-serve door is shut and the expensive advised one is merely unanswered. Ask before assuming the second is open.

    Source: Killik and Co Silo page, introduction to its services (2026) and terms and conditions (May 2026), 2026-09-15
  13. NatWest InvestAccepts with conditionsUpdated

    FSCS £85,000 · needs a NatWest account and online banking

    US citizens: no citizenship test on the ISA, though NatWest bars US citizens from its pension

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The ISA asks only that you are a NatWest customer with online banking, aged 18 to 84 and UK resident for tax, with no citizenship test in the terms or the application. Note the asymmetry inside the same bank: its pension page bars US citizens from contributing. The catch here is the shelf rather than the door, since only five ready-made funds are offered and every one is a PFIC.

    Source: NatWest stocks and shares ISA pages and supplementary information, 2026-08-17
  14. Quilter CheviotAccepts with conditionsUpdated

    FSCS £85,000 investment cover · minimum portfolio £250,000

    US citizens: a Form W-9 at application, and a £250,000 minimum

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    Stronger than silence, and worth knowing because so few firms say anything. The application form that opens its ISA asks whether you are a US citizen, US resident, or hold a US passport or green card, and routes a yes to an IRS Form W-9 rather than to a refusal, while its UK terms carry no US person exclusion. That is an onboarding step, not an exclusion. It publishes no US-aware investment service though, so ask how PFICs would be avoided.

    Source: Quilter Cheviot private client application form and UK terms and conditions, 2026-09-15
  15. SidekickAccepts with conditionsUpdated

    FSCS £85,000 · app only · custody through a US firm

    US citizens: nothing published about US persons, but the ISA shelf holds only two funds

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The only provider in this group whose documents never mention America, setting a residence test alone. The catch is the shelf rather than the door, and it is the exact inverse of Sidekick's taxable account: the ISA offers two UCITS ETFs and nothing else, so an open wrapper still leaves a US person with only PFICs to buy. Its directly held index, the thing that made the taxable account interesting, is not available inside the ISA.

    Source: Sidekick investment management agreement and help centre, 2026-08-17
  16. Webull UKAccepts with conditionsUpdated

    Shares not FSCS protected · account opened with its Australian entity · custody with Apex Clearing

    US citizens: nothing published about US persons, and the shares are not FSCS protected

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    Webull launched a flexible ISA in 2026 and neither the ISA agreement nor the client agreement mentions US persons, setting eligibility at 18 or over and UK resident only. Weigh the structure rather than the silence: Webull's own documents say the shares are not covered by the FSCS and that you may have no access to it for activities performed by its Australian entity, leaving you with an Australian complaints scheme instead.

    Source: Webull UK ISA pages and client agreement, 2026-08-17
  17. XTBAccepts with conditionsUpdated

    FSCS £85,000 investment cover · XTB Limited acts as ISA manager

    US citizens: the ISA schedule is silent, while its promotion terms exclude US persons

    Tax-free in the UK only. The US does not recognise an ISA, and funds inside one are PFICs. How the US taxes an ISA

    What to know

    The ISA terms set eligibility at UK residence for tax purposes and say nothing about US persons, while XTB's own promotion terms define a US person in full and require that entrants are not one. That leaves the account level position unstated, so get it in writing before subscribing. Its ISA page quotes FSCS cover of £120,000 in a comparison of cash interest, which is the deposit limit; invested holdings are covered to £85,000, as its terms of business say.

    Source: XTB ISA terms, ISA declaration 2026-27, promotion terms and UK terms of business (version 14 July 2026), 2026-09-15

Will not open one for a US citizen29

Do not offer this in the UK at all1

General investment accounts

All general investment accounts compared in full

51 checked: 18 open to a US citizen, 33 not.

  1. Canaccord Wealth (formerly Hargreave Hale)Accepts US citizensUpdated

    FSCS £85,000 investment cover · typically from £100,000 · managed, not execution only

    Only through a financial adviser
    What to know

    The plainest answer on this page. Canaccord says it has acted for US expats for decades and that it does not turn US citizens away, and it runs a specialist team for them. Portfolios are built from individual shares, bonds and US-listed funds that also carry UK reporting status, which solves both tax systems at once rather than trading one problem for the other, and PFICs are avoided by design. Typically for people with over £100,000 to invest.

    Source: Canaccord Wealth, investing for US expats, 2026-08-17
  2. Evelyn PartnersAccepts US citizensUpdated

    FSCS £85,000 investment cover · SEC registered · assets custodied in New Jersey

    Only through a financial adviser
    What to know

    A dedicated service for US individuals, trusts and companies, built on more than twenty years of looking after US-connected clients and registered with the SEC as well as the FCA. Its page names US citizens and green card holders resident in the UK as a group it serves. Portfolios are built from directly held shares and bonds, and assets sit with a New Jersey custodian that produces the US tax reporting for you. Its Form CRS sets the minimum account at £350,000.

    Source: Evelyn Partners USA service page and Form CRS (August 2026), 2026-09-15
  3. Interactive Brokers UKAccepts US citizensUpdated

    SIPC $500,000, not FSCS · FCA authorised but assets custodied with IBKR LLC in the US

    What to know

    IBKR opens a general account for a US citizen living here and asks only for a Form W-9. Read the protection line carefully: the UK entity is FCA authorised but custodies your securities and cash with Interactive Brokers LLC in the US, so cover is SIPC at $500,000 with a $250,000 cash sublimit rather than the £85,000 FSCS you would get from a UK platform.

    Source: IBKR US tax information page, 2026-08-17
  4. RathbonesAccepts US citizensUpdated

    FSCS £85,000 investment cover · SEC and FCA regulated · discretionary, typically from £300,000

    Only through a financial adviser
    What to know

    Rathbones runs a service specifically for US taxpayers and says it supports US residents, US citizens, green card holders and US working visa holders, with a team regulated by both the SEC and the FCA. Its own material says the service avoids PFICs and uses direct shares and bonds alongside selected US ETFs and other compliant vehicles.

    Source: Rathbones investment services for US taxpayers and individuals and families pages, 2026-09-12
  5. Barclays Smart InvestorAccepts with conditionsUpdated

    FSCS £85,000 investment cover · online, app and phone

    US citizens: a signed W-9 before any trade, and a restricted service range Barclays will not publish

    What to know

    Barclays does not shut a UK resident US citizen out, it narrows what it will do for one, saying it can provide only a restricted range of investment services. It will not place any trade without a signed W-9 carrying your US tax number, and it does not publish which services survive the restriction, so ask before you move anything across.

    Source: Barclays Smart Investor terms and fees, 2026-08-17
  6. Charles Schwab InternationalAccepts with conditionsUpdated

    SIPC $500,000 including $250,000 cash, plus excess cover at Lloyd's. No FSCS

    US citizens: a US-domiciled dollar account with SIPC rather than FSCS, and a W-9

    What to know

    The cleanest answer on this page, and it avoids the US address trap that closes Schwab's domestic checking account to someone who has moved: it accepts a UK utility bill, council tax demand or HMRC coding notice as proof of residence. The string is what kind of account it is. This is a US-domiciled dollar account reporting on a 1099, so you are protected by SIPC and not by the FSCS.

    Source: Schwab International US expat investing pages, 2026-08-17
  7. Charles Stanley DirectAccepts with conditionsUpdated

    FSCS £85,000 investment cover · a trading name of Raymond James Wealth Management

    US citizens: no US bar in its terms, but overseas dealing needs a W-8BEN you cannot sign

    What to know

    The only one of these nine with no US person exclusion in its own terms, and its FATCA page treats a US person as someone to report to HMRC rather than refuse. Two cautions before you rely on that. A later clause requires a signed W-8BEN before you buy overseas investments, and that form certifies you are not a US person. And Moneyfarm, in this same group, shows a bar can live in an FAQ rather than the contract, so ask directly.

    Source: Charles Stanley online investing business terms, clauses 1.5.5 and 1.7.2, 2026-08-17
  8. CMC InvestAccepts with conditionsUpdated

    FSCS £85,000 investment cover · holdings may be pooled in omnibus accounts

    US citizens: no US rule published either way, so confirm before you apply

    What to know

    Its terms set two conditions to open a general investment account, being 18 or over and resident in the UK, and never mention US persons, citizenship, tax residency or FATCA anywhere. That is an absence of a bar rather than a written welcome, so treat it as unconfirmed and ask at application.

    Source: CMC Invest fee tariff, December 2025, its plans page and general terms of business, read 2026-09-24
  9. DF DirectAccepts with conditionsUpdated

    Custodian not named for this service · SEC-regulated US adviser, not FCA authorised · funded in US dollars by ACH or wire, international wire included

    US citizens: deposits in US dollars, with an adviser regulated by the SEC rather than the FCA

    What to know

    A robo-adviser built for US expats, so a US passport is the point rather than the problem: its own page says the portfolios are compliant for US expats in the UK. It is run by Dunhill Financial, a Florida firm regulated by the SEC, so the FCA, the Financial Ombudsman and the FSCS are not behind it. The homepage says money goes in from a US bank account, but the funding screen inside an account also gives international wire instructions for a virtual account at JPMorgan Chase, so a closed US account need not rule it out. The money has to arrive in US dollars, the only currency the service supports, and its own funding guides give the route for someone without a US bank account, using the dollar details of an account such as Wise or Revolut. Ask what the wire will cost you. Dunhill says every portfolio is US-domiciled, so there are no PFICs to report, and that only the sterling portfolios are also screened against HMRC requirements, so a UK resident should pick those. The custodian is not named, so ask which firm holds the account and what protection applies before moving money.

    Source: DF Direct homepage, its funding guides and account funding screen, Dunhill Financial FAQ and Form ADV Part 2A, 2026-09-18
  10. Hargreaves LansdownAccepts with conditionsUpdated

    FSCS £85,000 investment cover · online, app and phone

    US citizens: a paper W-9 instead of the online form, no treaty rate, no transferring in online, and a funds bar written against US residents

    What to know

    HL sets no citizenship test and asks only that you are over 18 and UK resident for tax. The friction comes after: a US citizen files a paper W-9 rather than the online W-8BEN, gets no reduced treaty rate on US dividends, and cannot transfer an account in online, which HL states in terms on its transfer page. Its terms also bar a Regulation S US person from holding funds, a test that turns on US residence rather than citizenship, so a US citizen living in the UK is not caught by that wording.

    Source: HL overseas dealing, transfer and online terms and conditions pages, 2026-09-12
  11. HSBC InvestDirectAccepts with conditionsUpdated

    FSCS £85,000 investment cover · closed to new customers · needs an HSBC UK current account

    US citizens: closed to new customers, and the platform replacing it will not take a US person

    What to know

    HSBC has closed InvestDirect to new customers: its product page now redirects to the Global Investment Centre, and existing holders of UK shares and ETFs are being moved there automatically, while gilts, bonds and international shares stay on InvestDirect for now. The Global Investment Centre will not take a US person at all, in both its eligibility list and its terms, so there is no route in for a US citizen today. What InvestDirect itself publishes carries no US person bar: its US share dealing needs "W series forms A and B" under IRS rules, which is market access rather than a citizenship test.

    Source: HSBC InvestDirect rates and fees, 26 November 2021, and the Global Investment Centre pages and terms, read 2026-09-25
  12. IGAccepts with conditionsUpdated

    FSCS £85,000 investment cover · client assets held in segregated trust accounts

    US citizens: barred from US-incorporated stock in the share dealing account, and a paper Form W-9

    What to know

    IG will open the account and then bar the thing you most likely wanted it for. Its help centre says a US citizen files a Form W-9 and may only buy US-incorporated stock as a CFD or spread bet, never through the share dealing account, which leaves you holding non-US shares and PFICs.

    Source: IG help centre, W-8BEN and US citizens, 2026-09-12
  13. Killik and CoAccepts with conditionsUpdated

    FSCS £85,000 investment cover · minimum portfolio £100,000

    US citizens: no published US policy either way, and a £100,000 minimum

    What to know

    Killik publishes nothing either way about US citizens for this service: its May 2026 client terms carry no US person clause and no FATCA clause, and it runs no dedicated US service. The one US bar it does publish is written for Silo, its app-based managed service, rather than for stockbroking. That is an absence rather than an acceptance, so treat it as unconfirmed and ask before you apply.

    Source: Killik and Co terms and conditions (May 2026), Silo page and stockbroking rate card, 2026-09-15
  14. ProsperAccepts with conditionsUpdated

    FSCS £85,000 investment cover · app first, web available

    US citizens: the door may open, but the shelves hold only funds

    What to know

    Prosper's investment terms set only a residence test, that you are 18 or over and UK tax resident, and the US exclusion sits in its savings annex rather than its investing one. So the account may well open. The problem is what is on it: more than 200 funds and ETFs and no individual shares at all, so every holding available to you is a PFIC.

    Source: Prosper terms and conditions version 7.0, March 2026, read 2026-08-17
  15. Quilter CheviotAccepts with conditionsUpdated

    FSCS £85,000 investment cover · minimum portfolio £250,000

    US citizens: a Form W-9 at application, and a £250,000 minimum

    What to know

    Its private client application form asks whether you are a US citizen, US resident, or hold a US passport or green card, and sends a yes to an IRS Form W-9 rather than to a refusal. Its UK terms carry no US person exclusion, and its FATCA guidance treats a US person as a client to identify and report to HMRC. What it does not publish is a US-aware investment service, so ask how the portfolio would keep clear of PFICs. Besides discretionary management it runs advisory and execution-only services, each aimed at portfolios from £250,000.

    Source: Quilter Cheviot private client application form, UK terms and conditions and target market summary, 2026-09-15
  16. SidekickAccepts with conditionsUpdated

    Custody with DriveWealth LLC in the US · app only · confirm which compensation scheme applies

    US citizens: no published US bar, but execution and custody sit with a US firm

    What to know

    The most interesting product on this page for a US person, for a structural reason: its Custom Index holds the individual company shares that make up the index rather than units in a fund, so an S&P 500 style portfolio arrives as real US shares and never becomes a PFIC. Its client agreement also tests where you live rather than what passport you hold, with no US person clause anywhere. Two things to settle before you move money. Acceptance is read from that silence rather than from a policy. And execution and custody run through DriveWealth in the US, which for Stake, using the same custodian, meant SIPC cover rather than the FSCS, so ask which scheme protects you here.

    Source: Sidekick investment management agreement and fee schedule, 2026-08-17
  17. Webull UKAccepts with conditionsUpdated

    FCA authorised as agent only · your account is opened with its Australian entity · do not assume FSCS on investments

    US citizens: nothing published about US persons, and the protection is not what it looks like

    What to know

    Two things to check before you go near this one. Webull says only that its services are aimed at UK residents, and its client agreement sits behind an app-only viewer, so the US person question is genuinely unanswered in anything it publishes. And its UK company acts as your agent while the account itself is opened with its Australian entity, with its published FSCS page covering only cash savings, so do not assume the £85,000 investment limit applies.

    Source: Webull UK help centre and pricing pages, 2026-08-17
  18. XTBAccepts with conditionsUpdated

    FSCS £85,000 investment cover · FCA authorised

    US citizens: no published US policy either way, beyond the reporting clause every UK broker carries

    What to know

    XTB's UK terms never bar US persons. Their FATCA clause says XTB must report any US reportable persons, but every UK firm carries that clause and it does not say XTB will open an account for one. Its promotion terms exclude US persons from free share offers, which again speaks to the offer rather than the account. So this rests on the absence of a bar, not a written welcome: ask before you apply. XTB is also a contracts for difference house that added real share dealing, so check you are opening the investment account rather than a leveraged one.

    Source: XTB UK terms of business (version 14 July 2026), promotion terms and account fees page, 2026-09-15

Will not open one for a US citizen26

Do not offer this in the UK at all7

Pensions (SIPPs)

All pensions compared in full

58 checked: 32 open to a US citizen, 26 not.

  1. AJ BellAccepts US citizensUpdated

    FSCS £85,000 investment cover · online and app

    What to know

    The SIPP terms exclude one nationality and it is not American: they bar Canadian citizens and Canadian tax residents. The same document bars US citizens from AJ Bell's ISA and dealing account, so the pension is deliberately the way in. No W-8BEN is needed for US shares, because the IRS treats the AJ Bell SIPP as a qualifying pension scheme.

    Source: AJ Bell terms and conditions, 2026-08-17
  2. AvivaAccepts US citizensUpdated

    FSCS £85,000 for nominee holdings, 100% for insured funds · app and web

    What to know

    Aviva publishes its eligibility test and citizenship is not in it: you must be 18 and resident in the UK. Its one US clause bites on residence rather than nationality, and only if you move to the States, at which point you are held to insured funds and cash.

    Source: Aviva Pension terms and conditions, 2026-08-17
  3. Canaccord WealthAccepts US citizensUpdated

    FSCS £85,000 investment cover · typically from £100,000

    What to know

    Canaccord names the pension as something a US expat can actually use, listing select UK pensions such as SIPPs among the things open to you, and it has said plainly elsewhere that it does not turn US citizens away. It qualifies the tax point honestly, noting that many practitioners treat a SIPP as treaty recognised but that treatment turns on circumstances.

    Source: Canaccord Wealth, what US expats can invest in, 2026-08-17
  4. Dentons PensionsAccepts US citizensUpdated

    FSCS £85,000 investment cover · apply direct or through an adviser

    What to know

    Dentons runs a page specifically for US clients and says it still accepts SIPP applications from US citizens working in the UK, US residents and green card holders. You can approach it yourself without an adviser: both of its application forms carry a section for non-advised clients. Your employer can pay in as well as you, and it wants a fund of at least £50,000.

    Source: Dentons US SIPP clients page, SIPP application forms and key features, 2026-09-25
  5. IPM Personal PensionsAccepts US citizensUpdated

    FSCS £85,000 investment cover · direct in some cases, usually adviser introduced

    What to know

    The clearest yes on this page, and the only provider that names you outright: IPM lists Americans working in the UK with UK pension funds as a category it serves. It runs SIPPs in dollars as well as sterling and works with investment managers regulated on both sides who understand the PFIC problem UK funds create. The condition is a sensible one rather than an obstacle: it will not take a US client without a US tax adviser of your own appointed alongside.

    Source: IPM guidance on clients with a US connection, 2026-08-17
  6. @sippAccepts with conditionsUpdated

    FSCS £85,000 investment cover · normally through an adviser; direct applications from £75,000

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    @sipp sells four SIPPs, from a Solo SIPP holding one platform or manager up to a Full SIPP that can hold commercial property, and prices each separately for clients with and without an adviser. It sells through advisers, and takes a direct application only to use a discretionary manager or investment platform partner, or to buy commercial property, with at least £75,000 to start. Its terms set no nationality bar, and nothing it publishes mentions US citizens, so treat acceptance as unconfirmed and ask first.

    Source: @sipp fee schedule effective 1 April 2026, product governance statement and terms, read 2026-09-14
  7. AlltrustAccepts with conditionsUpdated

    FSCS £85,000 · normally adviser introduced · from £50,000 on the Oasis SIPP, £100,000 otherwise

    US citizens: nothing published about US citizens, and a £50,000 minimum

    What to know

    Alltrust publishes nothing about US citizens, so its position is unstated rather than open. One hint that US-connected members are not new to it: its own fee schedule lists a Flexi SIPP (US) among the books it administers, which it took on with the Rowanmoor transfer. It sells three individual SIPPs, the cheapest being the Oasis SIPP from £50,000, which holds only cash, one platform and short deposits. It normally works through advisers and takes direct business only where you evidence its knowledgeable investor requirements.

    Source: Alltrust SIPP product and transactional fee schedules, June 2026, and key features, read 2026-09-14
  8. Barnett WaddinghamAccepts with conditionsUpdated

    FSCS £85,000 investment cover · apply direct or through an adviser

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    You can approach Barnett Waddingham yourself, and its key features say all UK residents are eligible with no nationality test. The catch is breadth rather than the door: apply without an adviser and you are held to a single portfolio with one discretionary manager from its panel.

    Source: Barnett Waddingham Flexible SIPP key features and application, 2026-08-17
  9. Charles StanleyAccepts with conditionsUpdated

    FSCS £85,000 · SIPP wrapper fee £100 plus VAT, waived above £30,000

    US citizens: nothing published about US persons either way

    What to know

    Charles Stanley runs two SIPPs, the Direct SIPP on its online platform and the Alpha SIPP inside its managed services, and says only that you must be UK resident to open either. Its terms are as silent on US citizens for the pension as for the ISA, and it says the same service levels apply to both wrappers as to any other account, so neither carries a separate rule.

    Source: Charles Stanley SIPP page and online investing rates and charges, read 2026-09-14
  10. Curtis BanksAccepts with conditionsUpdated

    FSCS £85,000 investment cover · adviser introduced

    Only through a financial adviser

    US citizens: paper application, an overseas client declaration, a UK regulated adviser, and transfers only

    What to know

    Curtis Banks names US citizens resident in the UK as a category it accepts, which few providers do in writing. The conditions are heavy: paper only, an overseas client declaration, a UK FCA regulated adviser, and the plan can be funded only by transfers from UK pensions, so you cannot pay new contributions in.

    Source: Curtis Banks overseas client declaration, 2026-08-17
  11. Embark Pensions (formerly Hornbuckle)Accepts with conditionsUpdated

    FSCS £85,000 investment cover · adviser introduced · UK residents only

    Only through a financial adviser

    US citizens: UK residents only, and only through a regulated adviser

    What to know

    The Hornbuckle brand no longer writes new business and the live product is the Embark Pensions Full SIPP. It publishes no bar on US citizens, and its assessment says the SIPP is available only to customers resident in the United Kingdom and only where the customer has taken advice from a regulated adviser. So you meet the residence test and cannot apply alone.

    Source: Embark Pensions Full SIPP fair value assessment and fee schedule, 2026-08-17
  12. Evelyn PartnersAccepts with conditionsUpdated

    FSCS £85,000 investment cover · SEC registered · fee tiers start on the first £250,000

    US citizens: it names UK pensions, but under a heading for clients living outside the UK

    What to know

    Evelyn Partners does say it often manages UK pensions for US-connected clients. Read where that sentence sits before relying on it: it appears under its heading for US citizens living outside both the UK and the States, while the section for US citizens resident in the UK names no wrapper at all. Its Form CRS lists pensions among the accounts it manages without saying whose. So pension coverage for someone in your position is not confirmed by anything Evelyn publishes. Its US minimum is £350,000.

    Source: Evelyn Partners USA service page and Form CRS (August 2026), 2026-09-15
  13. Hargreaves LansdownAccepts with conditionsUpdated

    FSCS £85,000 investment cover · online, app and phone

    US citizens: deal on a paper form rather than online, and a funds bar written against US residents

    What to know

    HL sets no citizenship bar on opening a SIPP and ties eligibility to residence instead. Its fund restriction is written against Regulation S US persons, which catches US residents rather than a US citizen living in the UK, and its own dealing pages route a US citizen or taxpayer to a paper form.

    Source: HL terms and conditions and dealing pages, 2026-09-12
  14. IGAccepts with conditionsUpdated

    FSCS £85,000 · operated by Options UK Personal Pensions · £210 a year admin

    US citizens: a Form W-9 on file, and no US-incorporated shares through the pension

    What to know

    IG sets no citizenship test on the pension, asking only that you are 18 and UK resident, and it has a documented route for US citizens who complete a Form W-9. The string is on what you may buy rather than whether you may open: IG does not offer US-incorporated stock to US citizens through share dealing, only as a derivative, which leaves you holding non-US shares inside the wrapper.

    Source: IG SIPP FAQs and US citizen guidance, 2026-08-17
  15. International SIPP (adviser-gated)Accepts with conditionsUpdated
    What to know

    International SIPPs from advisers such as Cameron James and Harrison Brook are built for US persons, but require a regulated adviser and carry higher fees, often 1 to 5 percent or a flat fee around £3,000.

    Source: Cameron James, 2026-05; Harrison Brook, 2025-10; Wealth Genesis
  16. InvestAccAccepts with conditionsUpdated

    FSCS £85,000 investment cover · apply direct or through an adviser · UK resident and living in the UK at application

    US citizens: nothing published about US persons, but you must be living in the UK to apply

    What to know

    InvestAcc publishes nothing about US citizens either way, so its position is unstated. Its gate is residence: it takes applications only from people who are UK resident and living in the UK at the time, and it accepts no transfers from overseas pension schemes, which rules out moving a US pot in. It takes direct business, with its own application pack for customers without an adviser, and its own target market statement says a fund below about £40,000 is unlikely to benefit from a fixed-fee SIPP.

    Source: InvestAcc schedules of fees, June 2025, and its SIPP application pack, read 2026-09-25
  17. iPensions GroupAccepts with conditionsUpdated

    FSCS £85,000 investment cover · through a regulated adviser only

    Only through a financial adviser

    US citizens: an appointed financial adviser, because it will not take you direct, and £40,000 to transfer in

    What to know

    iPensions sells a SIPP built for this exact case. The USA SIPP is for US expatriates, US residents who want a UK registered pension and anyone else US-connected, and it defines that the way the IRS does: a US citizen, a US resident who meets the substantial presence test, a green card holder, and anyone who inherited citizenship from a US parent without ever applying for a passport. It is an adviser-led product, so you appoint a regulated adviser and apply through them, and it holds FCA standard assets only, which rules out the unusual holdings a full SIPP would otherwise allow.

    Source: iPensions Group USA SIPP page, key features document and fee schedule, read 2026-09-25
  18. Killik and CoAccepts with conditionsUpdated

    FSCS £85,000 investment cover · no minimum on the pension wrapper itself

    US citizens: nothing published about US persons, though the pension wrapper itself has no minimum

    What to know

    Completely silent. Killik runs its own SIPP with no minimum on the wrapper, and neither its SIPP pages nor its May 2026 terms say anything about US citizens. Its one published US bar sits on Silo, its app service, which offers an ISA and a general account but no pension, so it cannot reach the SIPP. Unanswered rather than open, and worth a call.

    Source: Killik and Co SIPP page, Silo page and terms and conditions (May 2026), 2026-09-15
  19. Legal and GeneralAccepts with conditionsUpdated

    Insured pooled funds run by Legal and General · open direct, no adviser needed

    US citizens: it refuses US persons, but defines them by residence rather than citizenship

    What to know

    The most interesting definition on this page, and worth understanding generally. Legal and General says it cannot accept your application if you are classed as a US person, then defines that term by Regulation S and a Commodity Futures Trading Commission rule, both of which turn on living in the United States rather than on holding a US passport. A US citizen resident in Britain is arguably outside it, but only Legal and General can tell you whether it reads its own definition that way, so ask before applying.

    Source: Legal and General personal pension key features and glossary, 2026-08-17
  20. NestAccepts with conditionsUpdated

    Occupational trust regulated by The Pensions Regulator · online only

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    Nest is the statutory workplace scheme rather than a self-invested pension, and a US citizen can join it directly. The test it publishes is that you are self-employed or the sole director of a company employing nobody else, ordinarily work in the UK, and are at least 16 and under 75. Citizenship is not in that test, and neither the scheme Order and Rules nor the member guide mentions US persons or FATCA, so this is an absence of a bar rather than a stated welcome. What Nest will not give you is a choice of holdings: seven ready-made in-house funds and no direct shares, so everything on offer is a pooled UK fund of the kind US tax treats as a passive foreign investment company, or PFIC.

    Source: Nest joining as self-employed page, and the Nest Order and Rules article 19(4), read 2026-09-06
  21. NFU MutualAccepts with conditionsUpdated

    NFU Mutual insured funds · open online without an adviser

    US citizens: nothing published about US persons either way

    What to know

    A plain residence test and total silence on US citizenship: the key features say you can take one out if you are UK resident for tax, and the plan opens online without an adviser. The My Investments terms make residence an ongoing condition, reserving the right to close the account if you stop being UK resident and to close it without notice where the relationship might expose the group to action from a government or regulator. Silence is not a written welcome, so this is published unverified. Ask before you transfer anything in.

    Source: NFU Mutual Select Pension Plan key features, My Investments terms and guide to charges, 2026-09-24
  22. Options UKAccepts with conditionsUpdated

    FSCS £85,000 investment cover · direct or adviser introduced

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    Options UK is the pension trustee behind IG's SIPP, which is on file under IG with IG's own US rules, and it also runs the Premier SIPP in its own name. Neither the key features nor the fee schedule says anything about US persons, so its answer is unpublished rather than settled. It tells you to take advice from an independent adviser before applying, without making that a condition of entry.

    Source: Options UK Premier SIPP key features and full investment fee schedule, read 2026-09-25
  23. PenfoldAccepts with conditionsUpdated

    FSCS £85,000 investment cover · app based

    US citizens: its US person test is worded by residence, with entry by specific permission

    What to know

    Genuinely ambiguous, and Penfold says so itself. You may open one only if you are resident for tax solely in the UK and, unless specifically permitted by the operator, are not a US person, which it then defines as a resident of the United States. A US citizen living here is not obviously caught by that wording and is not cleared by it either, and Penfold invites you to contact it for guidance, so do.

    Source: Penfold pension terms, clause 4.2.5, 2026-08-17
  24. PensionBeeAccepts with conditionsUpdated

    FSCS 100% cover, no upper limit (insured) · app and web

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    PensionBee sets one eligibility test, that you are 18 or over, and its terms carry no citizenship bar and no FATCA clause. That is an absence rather than a policy: it has never said it accepts US persons, so ask before you transfer a pension in.

    Source: PensionBee terms and conditions, read 2026-08-17
  25. Prudential UKAccepts with conditionsUpdated

    FSCS £85,000 · PruFund and guaranteed income holdings protected in full · adviser sold

    US citizens: only through a financial adviser

    What to know

    Prudential sets a residence test and never mentions US persons at all: you may apply if you are resident in the UK, or a crown servant serving abroad. The gate is distribution rather than your passport, since it is available only through a financial adviser, and new contributions can only be paid while you remain UK resident.

    Source: Prudential Retirement Account terms and key features, 2026-08-17
  26. Quilter CheviotAccepts with conditionsUpdated

    FSCS £85,000 · minimum portfolio £250,000 · the SIPP itself comes from a third party

    US citizens: nothing published about US persons, and a £250,000 minimum

    What to know

    Quilter Cheviot has no pension of its own and manages money inside somebody else's, working with a published list of third party SIPP providers. Its private client application routes a US citizen to a W-9 rather than a refusal, but the SIPP version of that form asks the same question with no W-9 route, which it does not explain. Treat the pension as unconfirmed even though the ISA looks accommodating.

    Source: Quilter Cheviot SIPP application form and pension investment management page, 2026-09-15
  27. RathbonesAccepts with conditionsUpdated

    FSCS £85,000 investment cover · SIPP minimum £100,000

    US citizens: a £100,000 SIPP minimum, inside a service typically for portfolios from £300,000

    What to know

    Rathbones runs its own SIPP and its SIPP terms carry no US person exclusion, so nothing on paper shuts you out. The gap is that its US-connected pages name the ISA and never name the pension, so confirm the wrapper is in scope before you move a pension across.

    Source: Rathbones SIPP and individuals and families pages, 2026-09-12
  28. Royal LondonAccepts with conditionsUpdated

    FSCS 100% for Royal London funds, £85,000 for external ones · adviser sold

    Only through a financial adviser

    US citizens: only through a financial adviser, though the gate is distribution rather than your citizenship

    What to know

    Royal London chooses to sell personal pensions only through advisers, so there is no direct route in. Its own guidance to those advisers says most providers can accept US citizens who are relevant UK individuals living in the UK, and its plan terms set only a residence test.

    Source: Royal London plan terms and adviser technical guidance, 2026-08-17
  29. Standard LifeAccepts with conditionsUpdated

    FSCS 100% of policy value if Standard Life fails, £85,000 if an external manager does · app and web

    US citizens: nothing published about US persons either way, so ask before applying

    What to know

    One test, and it is residence rather than citizenship: you are eligible if you live in the UK. Standard Life is an insurer, so everything inside is a pooled insured fund and there is no direct-share option without moving to its adviser-sold SIPP.

    Source: Standard Life plan terms, 2026-08-17
  30. Talbot and MuirAccepts with conditionsUpdated

    FSCS £85,000 investment cover · adviser introduced

    Only through a financial adviser

    US citizens: only through a regulated adviser, and it has never said whether it takes US persons

    What to know

    The application form says Talbot and Muir only opens a SIPP for people advised to do so by an FCA regulated adviser, so there is no direct route in. It publishes nothing about US citizens, so your adviser will need to confirm acceptance before you apply.

    Source: Talbot and Muir SIPP application form, 2026-08-17
  31. WesterbyAccepts with conditionsUpdated

    FSCS £85,000 investment cover · direct or adviser introduced

    US citizens: accepted at Westerby's discretion rather than automatically

    What to know

    One of the few that will deal with you without an adviser, and it answers the nationality question rather than ducking it. Its key features say a UK citizen resident here can have the pension, and that residents or citizens of other countries may be eligible at Westerby's discretion depending on circumstances. So you are in the discretionary group: not a refusal, but not automatic either.

    Source: Westerby SIPP key features document, December 2025, read 2026-08-17
  32. YorsippAccepts with conditionsUpdated

    FSCS £85,000 investment cover · adviser introduced only

    US citizens: nothing published about US citizens, and applications only through an adviser

    What to know

    Yorsipp says nothing about US citizens anywhere it publishes, so read this as unanswered rather than as a yes. Its route in is closed to you directly in any case: it does not accept applications from customers, only from an FCA regulated adviser.

    Source: Yorsipp target market statement, February 2025, read 2026-08-17

Will not open one for a US citizen20

Do not offer this in the UK at all6

Junior cash ISAs

All Junior cash ISAs compared in full

39 checked: 21 open to a US citizen, 18 not.

  1. Bank of ScotlandAccepts US citizensUpdated

    FSCS £120,000, shared with Halifax · open online, managed in branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The parent must be 16 or over, UK resident and hold parental responsibility, and the child must be resident in the UK; the published terms set no US test. Bank of Scotland is part of Lloyds Banking Group, the same group where a parent applying for a US citizen child was refused at the counter, so ask before relying on it.

    Source: Bank of Scotland Junior Cash ISA page and savings account conditions, 2026-09-11
  2. Bath Building SocietyAccepts US citizensUpdated

    FSCS · online, app or branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the child must be UK resident for tax purposes, with no sole-residency wording. The real limit is local, as new accounts are restricted to children who live, work or study in the BA1 or BA2 postcodes, or whose parent has been a Bath customer for 12 months.

    Source: Bath Building Society Junior Cash ISA page, Junior Cash ISA Declaration and Terms (April 2026) and savings terms (May 2026), 2026-09-11
  3. Coventry Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · branch, phone or post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The Junior Cash ISA asks only that the child is under 18 and resident in the UK, and the published terms set no US test. The savings terms treat a US citizen as someone Coventry reports to HMRC rather than refuses, though the Junior ISA's own Specific Terms are only sent on request.

    Source: Coventry Junior Cash ISA (2) product page and Saving Accounts Terms and Conditions (April 2026), 2026-09-11
  4. Cumberland Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the child must be UK resident for tax purposes when the account opens, with no sole-residency wording. The bar is geography, as new customers must live in the Cumberland's operating area, and it opens in branch only.

    Source: Cumberland ISA guide, Cash Junior ISA conditions (from 6 April 2024), and children's savings page, 2026-09-11
  5. Darlington Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The Junior Cash ISA asks only that the account holder be a UK resident under 18, and the published terms set no US test. The general savings terms treat a US citizen as someone Darlington reports to HMRC rather than refuses. Branch only.

    Source: Darlington Junior Cash ISA 2 product page and General Savings Terms and Conditions (2026), 2026-09-11
  6. Earl Shilton Building SocietyAccepts US citizensUpdated

    branch or post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the child must be UK resident and under 18, and the application form asks only whether the registered contact is a citizen and tax resident of the UK, routing anyone who is not to the standard tax residency self-certification. Opens in branch or by post.

    Source: Earl Shilton Junior Cash ISA product page and Junior Cash ISA Application/Transfer Form, 2026-09-11
  7. Family Building SocietyAccepts US citizensUpdated

    FSCS · post or Epsom branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the child must be under 18 and resident in the UK. The general conditions treat US citizenship or tax residency as something Family reports to HMRC, not a reason to refuse an account. Opens by post or at the Epsom branch.

    Source: Family Building Society Junior Cash ISA (3) product page, Product Features leaflet and General Conditions for Savings Accounts booklet, 2026-09-11
  8. Furness Building SocietyAccepts US citizensUpdated

    FSCS · branch, phone or post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: a child qualifies if resident and ordinarily resident in the UK, or a Crown servant's dependant. Opens in branch, by phone or by post.

    Source: Furness Junior ISA (Issue 2) Key Features Document, 2026-09-11
  9. HalifaxAccepts US citizensUpdated

    FSCS £120,000, shared with Bank of Scotland · open online or in the app, managed in branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The parent must be 16 or over, UK resident and hold parental responsibility, and the child must be resident in the UK; the published terms set no US test. Halifax runs on the same Lloyds Banking Group terms as Lloyds, where a parent applying for a US citizen child was refused in branch, so ask before relying on it.

    Source: Halifax Junior Cash ISA page and savings account conditions, 2026-09-11
  10. Hanley Economic Building SocietyAccepts US citizensUpdated

    branch only to open · branch or post to manage

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: a child qualifies if under 18 and resident in the UK, or a Crown servant's dependant. Opens in branch only, managed in branch or by post.

    Source: Hanley Economic Junior ISA (JISAC) product page and summary box, effective 1 February 2026, 2026-09-11
  11. Lloyds BankAccepts US citizensUpdated

    FSCS £120,000 · open online or in the app, managed in branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the child must be resident in the UK and the parent 16 or over, UK resident and holding parental responsibility. Even so, a parent applying for a US citizen child has been refused, which reads as a screen applied at the counter rather than in the contract, so ask before counting on a yes.

    Source: Lloyds Bank Junior Cash ISA page and Junior Cash ISA conditions, 2026-09-11
  12. Loughborough Building SocietyAccepts US citizensUpdated

    FSCS · branch or post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the child must be under 18 and living in the UK, or a Crown servant's dependant. Loughborough only offers a Cash Junior ISA, not stocks and shares.

    Source: The Loughborough Building Society, 'What you need to know about Junior ISA', April 2026, 2026-09-11
  13. Monmouthshire Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · branch or agency

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the registered contact must be a UK resident aged 16 or over (excluding Northern Ireland), and the child just under 18. Opens in branch or agency only.

    Source: Monmouthshire Junior Cash ISA Terms and Conditions and Junior ISA Issue 10 summary box, 2026-09-11
  14. Nottingham Building SocietyAccepts US citizensUpdated

    branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the Junior ISA is open to any UK resident under 18, opened in branch by the parent with parental responsibility as registered contact. Branch only.

    Source: Nottingham Junior Cash ISA key product information (rates as at 27 January 2026) and Branch Savings Account Conditions, 2026-09-11
  15. Penrith Building SocietyAccepts US citizensUpdated

    branch or post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test, only that the child is a UK resident aged under 18 with a registered contact who has parental responsibility. Opens in branch or by post.

    Source: Penrith Building Society JISA (Junior ISA) summary box, April 2026 (V3.20), 2026-09-11
  16. Santander UKAccepts US citizensUpdated

    FSCS £120,000 · branch

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The Junior ISA (Issue 2) can be opened for a child under 18 who is a UK resident, with a UK-resident parent aged 16 or over as registered contact, and the published terms set no US test. Santander's Investment Hub bars US citizens outright, so the bank does screen for citizenship elsewhere, but the cash Junior ISA eligibility clause and general savings terms carry only a residency and reporting condition.

    Source: Santander UK Junior ISA product page and general savings terms and conditions, 2026-09-11
  17. Scottish Building SocietyAccepts US citizensUpdated

    FSCS · Relationship Centre or by post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The published terms set no US test: the registered contact must be 18 or over and resident in the UK, for a child under 18. The CRS self-certification form asks whether the account holder is a US citizen or tax resident to meet reporting duties, not to bar opening.

    Source: Scottish Building Society Junior Cash ISA Product Conditions (JISA 120326), 2026-09-11
  18. Skipton Building SocietyAccepts US citizensUpdated

    FSCS £120,000 · branch or post

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    Skipton's Junior Cash ISA is open to UK residents under 18, opened by the parent as Registered Contact, and the published terms set no US test. The application form asks the parent's and child's nationality and country of residency, but the declaration only requires that the child is resident in the UK.

    Source: Skipton Junior Cash ISA (Issue 14) key features and terms, and JISA application form 2026/27, 2026-09-11
  19. TSBAccepts US citizensUpdated

    FSCS £120,000 · branch or video banking

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The Junior Cash ISA product conditions ask only that the child is under 18 and UK resident, with an adult Registered Contact aged 16 or over holding parental responsibility, and set no US test. TSB's FATCA page asks any customer to declare US Person status for HMRC reporting, but this is a reporting duty rather than a bar on opening the account.

    Source: TSB Junior Cash ISA product conditions and product page, 2026-09-11
  20. Dudley Building SocietyAccepts with conditionsUpdated

    FSCS · branch or post

    US citizens: the child or the registered contact must give a US taxpayer identification number if either is a US citizen

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The Junior Cash ISA is open to a UK-resident child of any nationality, but the application form asks both the child and the registered contact whether they are a US citizen and will not proceed without a US tax identification number if either says yes. Opens in branch or by post.

    Source: Dudley Building Society Junior ISA (JISA) Application Form, version 11, March 2025, 2026-09-11
  21. Newcastle Building SocietyAccepts with conditionsUpdated

    FSCS £120,000 · branch

    US citizens: the child must be a UK resident with indefinite leave to remain in the UK

    Tax-free in the UK only. For a US citizen child the IRS sees the child's own foreign account: the interest goes on the child's US return, and the balance counts towards the child's FBAR. How the US taxes a child's account

    What to know

    The Junior ISA terms set no US test, but the general savings terms that govern it require every account holder to be a UK resident with indefinite leave to remain, an immigration test that a US child here on a visa would fail. Branch only.

    Source: Newcastle Junior ISA product conditions (Jan 2026) and Savings General Terms and Conditions (May 2026), 2026-09-11

Will not open one for a US citizen1

Do not offer this in the UK at all17

Junior stocks and shares ISAs

All Junior stocks and shares ISAs compared in full

29 checked: 3 open to a US citizen, 26 not.

  1. Halifax Share DealingAccepts with conditionsUpdated

    US citizens: nothing published about US persons either way, so ask before applying

    Tax-free in the UK only. For a US citizen child it is the child's own foreign account, and funds inside it are PFICs. How the US taxes a child's account

    What to know

    Halifax's general Share Dealing terms bar a US person, US citizen or US tax resident, but the Junior Stocks and Shares ISA runs on its own standalone terms and conditions with a separate eligibility section, and that section tests only the child's age, UK residence and Child Trust Fund status, with no citizenship or US-person wording anywhere in it. The published terms set no US test, though Halifax, Lloyds and Scottish Widows share one platform and a Lloyds Junior Cash ISA parent was refused at the counter despite similarly silent terms, so this is worth confirming by phone before applying.

    Source: Halifax Junior Stocks and Shares ISA Terms and Conditions, Section 4.1 and 4.2, effective 20 January 2025, read 2026-09-11
  2. Hargreaves LansdownAccepts with conditionsUpdated

    US citizens: a paper W-9 in place of the online W-8BEN before buying US shares

    Tax-free in the UK only. For a US citizen child it is the child's own foreign account, and funds inside it are PFICs. How the US taxes a child's account

    What to know

    HL's Junior ISA terms test only that the child is UK resident, with no US person test on the child or on the parent who opens it as registered contact. The US step comes at dealing: a US citizen files a paper W-9 instead of the online W-8BEN before buying US shares, and HL's fund bar is written against Regulation S US persons, a test that turns on living in the US.

    Source: HL terms and conditions (sections A2, A15 and C1) and overseas share dealing page, 2026-09-12
  3. Interactive Brokers UKAccepts with conditionsUpdated

    US citizens: a US person completes an IRS Form W-9 at account opening

    Tax-free in the UK only. For a US citizen child it is the child's own foreign account, and funds inside it are PFICs. How the US taxes a child's account

    What to know

    The published Junior ISA addendum sets no citizenship or US-person test on either the registered contact or the eligible child, only age, residency and parental responsibility. IBKR is unusual among UK brokers in taking US citizens at all, but its own tax page says any US person completes an IRS Form W-9 as part of account opening, and the ISA wrapper can only hold Qualifying Investments, which narrows what a US-linked holder can put in it.

    Source: IBUK Junior Investment ISA addendum and IBKR US tax information page, 2026-09-11

Will not open one for a US citizen14

Do not offer this in the UK at all12

Junior pensions (SIPPs)

All junior pensions compared in full

40 checked: 10 open to a US citizen, 30 not.

  1. AJ BellAccepts US citizensUpdated

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    The published terms set no US test for the Junior SIPP: they require the parent or guardian and the child to be UK resident for tax, and the only nationality bar is Canadian. The same document bars US citizens from the Junior ISA, so the pension is the AJ Bell wrapper open to a US citizen child and a US citizen registered contact.

    Source: AJ Bell terms and conditions, clauses 1.6, 24.1, 24.7 and 24.8, 2026-09-11
  2. Dentons PensionsAccepts US citizensUpdated

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    A parent or legal guardian can open a Dentons SIPP for a child under 18 who is resident in the UK, and the published terms set no US test; Dentons separately says it accepts US citizens working in the UK. The catch is its £50,000 minimum fund, which a child's £3,600 a year contribution limit makes hard to reach.

    Source: Dentons SIPP FAQs and US SIPP clients page, 2026-09-11
  3. @sippAccepts with conditionsUpdated

    US citizens: nothing published about US persons either way, so ask before applying

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    @sipp's terms say a legal guardian can complete the application and give instructions for a member under 18, and its application form has a section built around this: the child's own details go on the form and the guardian signs a separate consent form. The published terms set no US test at all.

    Source: @sipp Terms and Conditions and SIPP application form, 2026-09-11
  4. AlltrustAccepts with conditionsUpdated

    US citizens: nothing published about US persons either way, so ask before applying

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    The standalone Alltrust SIPP is restricted to ages 18 to 75, but Alltrust's Family Pension Trust is built for members who are younger, with its target market document saying trustees must be adults while members may not be, and its own fee schedule charging a lower set-up and annual fee for a member under 18. Direct (non-advised) business is possible if the member meets Alltrust's Knowledgeable Investor test, and nothing published sets a US test.

    Source: Alltrust target market document, Family Pension Trust key features and Family Pension Trust fee schedule, 2026-09-11
  5. Curtis BanksAccepts with conditionsUpdated
    Only through a financial adviser

    US citizens: a UK FCA-regulated adviser, a paper application and an overseas client declaration

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    Your Future SIPP can be set up for a child, with a legal guardian completing the application and giving instructions until 18. Curtis Banks names US nationals living in the UK as a group it accepts, but only on an advised plan through a UK FCA regulated adviser, on a paper application with an Overseas Client Declaration, with transfers accepted only from UK pension schemes.

    Source: Curtis Banks Your Future SIPP terms and conditions and target market document, 2026-09-11
  6. Hargreaves LansdownAccepts with conditionsUpdated

    US citizens: a paper W-9 in place of the online W-8BEN before holding US shares

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    The HL terms let a parent or guardian open and manage a SIPP for a child and set no US person test on either of them; the application asks only for UK relevant individual status and notice of leaving UK residence. As with the Junior ISA, a US citizen must file a paper W-9 rather than the online W-8BEN before holding US shares, and the fund bar applies to Regulation S US persons, which turns on US residence.

    Source: HL terms and conditions (sections A2 and A15), Junior SIPP application declaration and overseas share dealing page, 2026-09-12
  7. InvestAccAccepts with conditionsUpdated

    US citizens: nothing published about US persons either way, so ask before applying

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    InvestAcc publishes a page saying plainly that a child of any age can hold a Minerva SIPP or SIPP Lite, provided the usual £40,000 minimum investment is met and a parent or guardian is appointed as trustee. The published terms set no US test.

    Source: InvestAcc 'SIPPs For Children Under the Age of 18' article and Minerva SIPP terms and conditions, 2026-09-11
  8. IPM Personal PensionsAccepts with conditionsUpdated

    US citizens: a US tax adviser appointed by the family

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    IPM's application form has a Legal Guardian declaration for an applicant under 18, so a parent can open the IPM SIPP for a child. IPM is also the most direct of these providers about US citizens: it names Americans working in the UK with UK pension funds as a client group it serves and can run the SIPP in dollars, but it will not accept a client with a US connection, child or adult, without a US tax adviser of the family's own appointed alongside it.

    Source: IPM SIPP application form and IPM guidance on working with clients with a US connection, 2026-09-11
  9. Talbot and MuirAccepts with conditionsUpdated
    Only through a financial adviser

    US citizens: an FCA-regulated adviser

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    Talbot and Muir's terms say plainly that a parent or legal guardian may apply for membership on behalf of their child under 18, with the guardian in control until the child turns 18. The published terms set no US test, but the SIPP is only opened for a client who has been advised to do so by an FCA regulated adviser: there is no direct route in.

    Source: Talbot and Muir SIPP Terms and Conditions and SIPP application form, 2026-09-11
  10. YorsippAccepts with conditionsUpdated

    US citizens: nothing published about US persons either way, so ask before applying

    Unresolved for a US citizen child: no treaty rule clearly shelters the growth from US tax, and a US parent paying in may face foreign trust reporting. Take cross-border advice first. How the US taxes a child's account

    What to know

    Yorsipp's terms and conditions put a member's authority in a parent or legal guardian's hands until the member turns 18, and its application form has a declaration for a child under 16 signed by a parent or guardian, so a Yorsipp SIPP can be opened for a child. It publishes nothing about US citizens, and a non-advised applicant is accepted for an extra annual fee rather than turned away.

    Source: Yorsipp Terms and Conditions (February 2025), SIPP application form and Singular/Full SIPP fee schedules, 2026-09-11

Will not open one for a US citizen3

Do not offer this in the UK at all27

Mortgages

All mortgages compared in full

63 checked: 53 open to a US citizen, 10 not.

  1. Bank of ScotlandAccepts US citizensUpdated

    Direct · sells Halifax mortgages and publishes no rates of its own

    What to know

    Bank of Scotland says openly that it offers mortgages provided by Halifax, publishes no rate table of its own and sends you to the Halifax site to get an agreement in principle. Its only published eligibility line is that you must be a UK resident or have full rights to reside. Everything else, including the dollar income haircut, is the group criteria in the Halifax row.

    Source: Bank of Scotland mortgage pages and FAQs, 2026-08-17
  2. Bluestone MortgagesAccepts US citizensUpdated

    Through a broker · skilled worker visa after one year here, no credit scoring

    Only through a financial adviser
    What to know

    The best answer here for a thin UK credit file, because Bluestone does not credit score at all and judges each case on its own circumstances. It takes a skilled worker or health and care visa after one year in the UK with six months left to run, and steps the loan to value up as you serve time: 80% at one year, 85% at two, 90% at three. It says nothing about foreign currency income, so confirm dollar pay before relying on it.

    Source: Bluestone residential product guide, July 2026, read 2026-08-17
  3. HalifaxAccepts US citizensUpdated

    Through a broker · one book with Lloyds and Bank of Scotland

    Only through a financial adviser
    What to know

    The most permissive high street lender here on immigration, and it is worth reading the exact wording: once you meet its residency test there is no requirement to hold a particular type of visa, and no minimum validity left on it. That test is permanent right to reside, or five years in the UK, or one year on £50,000 income alone or £75,000 jointly, which reaches 95% loan to value. Fail all three and you are held to 75%. It takes a dollar salary with a fifth knocked off. Note this is Bank of Scotland plc trading as Halifax, the same book that writes new Lloyds mortgages, so the three brands are one chance rather than three.

    Source: Halifax Intermediaries lending criteria, non-UK nationals and non-sterling income, 2026-08-17
  4. Hinckley and Rugby Building SocietyAccepts US citizensUpdated

    Through a broker · no minimum time in the UK, every visa case underwritten by hand

    Only through a financial adviser
    What to know

    The most open lender here for someone who has only just landed. No minimum time in the UK, no minimum term left on the visa, and lending to 95% loan to value, dropping to 90% under a year here. It names Global Talent, which most lenders leave off, and single applicants need £41,700 income unless they work for the NHS, a private hospital or in teaching, where there is no minimum. It lends in England, Scotland and Wales.

    Source: Hinckley and Rugby intermediaries, skilled worker visa criteria, 2026-08-17
  5. HSBC UKAccepts US citizensUpdated

    Direct or through a broker · settled status, or twelve months here or £75,000 income

    What to know

    The only lender on this page with a written US persons policy, and it is worth reading before you assume the worst: it covers marketing preferences, drawing the money into a UK account, and not consolidating US debt. The United States is an approved country for income, so dollar salary counts, with a haircut. Without indefinite leave you need twelve months here or £75,000 income, and stop at 85% loan to value.

    Source: HSBC intermediary criteria, 2026-08-17
  6. Lloyds BankAccepts US citizensUpdated

    Direct · new Lloyds mortgages are written by Bank of Scotland plc

    What to know

    Read this row and the Halifax one as one lender. Lloyds says on its own rates page that new Lloyds mortgages are provided by Bank of Scotland plc, and the products match Halifax exactly, down to the rate and the fee. Lloyds publishes no nationality, visa or foreign currency rule of its own, so the terms that apply are the group criteria in the Halifax row: a dollar salary taken with a fifth off, and no particular visa type required once you pass the residency test.

    Source: Lloyds mortgage rates page and Halifax Intermediaries criteria, 2026-08-17
  7. NatWestAccepts US citizensUpdated

    Through a broker · no minimum time in the UK, visa with six months left

    What to know

    The best of the high street for someone paid in dollars, and for someone who has just landed. NatWest lists United States Dollar among its accepted currencies and counts it at the full converted amount with no haircut, and it states plainly that there is no minimum time in the UK. Without permanent right to reside you are held to 75% loan to value on a repayment basis.

    Source: NatWest intermediary lending criteria, 2026-08-17
  8. Nottingham Building SocietyAccepts US citizensUpdated

    Through a broker · no minimum time in the UK, no minimum visa remaining

    Only through a financial adviser
    What to know

    The most useful lender here for someone who has just arrived. Nottingham runs a separate foreign national range with no minimum time in the UK and no minimum term left on a visa, and it will match a United States credit file to reach 90% loan to value where a newcomer with no UK data is held to 75%. Two catches: the specialist range prices higher than its standard one, which a visa holder cannot use, and only sterling income counts.

    Source: Nottingham foreign nationals criteria, 2026-08-17
  9. Santander UKAccepts US citizensUpdated

    Through a broker · no time in the UK specified up to 75% loan to value

    What to know

    Nationality is not a bar and the only status Santander refuses is diplomatic immunity. It accepts a US dollar salary but discounts the sterling equivalent by a quarter, and above 75% loan to value it wants three months of UK bank statements showing the money landing here.

    Source: Santander for intermediaries residential lending criteria, 2026-08-17
  10. Vida HomeloansAccepts US citizensUpdated

    Through a broker · skilled worker visa accepted with no minimum time left on it

    Only through a financial adviser
    What to know

    The most open lender on this page for someone on a visa, and the only one anywhere that sets no minimum time remaining on it. A skilled worker visa puts you on the foreign national range, which reaches 90% loan to value on £50,000 income alone or £70,000 jointly, with 5% of the deposit from your own funds. The condition that bites is currency: pay in dollars is refused.

    Source: Vida intermediaries lending criteria and residential rate sheet, 2026-08-17
  11. Weatherbys Private BankAccepts US citizensUpdated

    Direct with a private banker · no published minimum loan

    What to know

    The only lender on this page that names you outright. Weatherbys runs a team with experience supporting US citizens living and working in the UK, and will lend against a main home. It publishes no rates, no minimum loan and no maximum loan to value, and says it does not rely on credit scoring, so the terms only become real once you speak to a banker.

    Source: Weatherbys US citizen services page, 2026-08-17
  12. AIB (NI), formerly Allied Irish Bank (GB)Accepts with conditionsUpdated

    Direct by phone or branch · one licence with Allied Irish Bank (GB)

    US citizens: no dollar income at all, and £150,000 minimum plus PAYE employment outside Northern Ireland

    What to know

    Allied Irish Bank (GB) no longer writes new mortgages and sends new applicants to AIB (NI), which is the same legal entity under one licence. It publishes no nationality or visa rule at all. Three published rules do the work instead: on a property in England, Scotland or Wales the minimum loan is £150,000 and applications are taken from PAYE employees only, and income in a non-sterling currency is excluded entirely rather than discounted.

    Source: AIB (NI) mortgage pages and general information sheet, 2026-08-17
  13. AldermoreAccepts with conditionsUpdated

    Through a broker · indefinite leave to remain and two years here, no visa route

    Only through a financial adviser

    US citizens: indefinite leave to remain, because a work eVisa is not accepted as proof of residency

    What to know

    No nationality bar, and no visa route either. Aldermore wants two years of UK residency and indefinite leave to remain, and states that work eVisas are not acceptable as confirmation of residency, which closes the skilled worker door outright. Income in a foreign currency is refused, and an asset held in one cannot even be used to repay an interest only loan.

    Source: Aldermore residential criteria, July 2026, read 2026-08-17
  14. April MortgagesAccepts with conditionsUpdated

    Through a broker · indefinite leave to remain or settled status only

    Only through a financial adviser

    US citizens: indefinite leave to remain, since no visa case is considered at all

    What to know

    A flat no for as long as you are on a visa, and April says so in its own criteria: skilled worker, investor and family visas are each marked unacceptable. Once settled status comes through, its very long fixes open on ordinary terms, and the rate steps down as the balance falls. Sterling income only.

    Source: April Mortgages broker criteria, 2026-08-17
  15. Arbuthnot LathamAccepts with conditionsUpdated

    Direct with an in-house adviser · from £500,000, plus £750,000 in deposits, investments or borrowing

    US citizens: a minimum loan of £500,000 and a £750,000 banking relationship

    What to know

    The best answer here for someone paid in dollars, because Arbuthnot Latham writes currency mortgages in US dollars and euros secured on UK property, which puts the loan in the same currency as the income rather than across the exchange rate from it. The price of entry is size: lending starts at £500,000 and new clients bring at least £750,000 in deposits, investments or borrowing.

    Source: Arbuthnot Latham borrowing pages and product summary, 2026-08-17
  16. Atom BankAccepts with conditionsUpdated

    Through a broker · three years here and unrestricted rights to live and work

    Only through a financial adviser

    US citizens: three years here and unrestricted rights to live and work, so indefinite leave in practice

    What to know

    Atom requires three years of UK residence and unrestricted rights to live and work, which a sponsored skilled worker visa does not give you, so in practice this is an indefinite leave lender. It will count overseas work only where the pay lands in a UK account in sterling.

    Source: Atom Bank intermediaries residential lending criteria, 2026-08-17
  17. Bank of Ireland UKAccepts with conditionsUpdated

    Direct or through a broker · Northern Ireland property, three years here

    US citizens: Northern Ireland property only, and household income must be in sterling

    What to know

    No nationality bar, and three gates that bite in order: new mortgages are for Northern Ireland property only, household income must be at least £20,000 and paid in sterling, and it wants three years of UK residence though less can be considered. With indefinite leave or naturalisation you can borrow to the full loan to value; on limited leave it takes skilled worker, global talent, innovator and ancestral visas and stops at 90%.

    Source: Bank of Ireland UK mortgage criteria and rates, 2026-08-17
  18. BarclaysAccepts with conditionsUpdated

    Direct or through a broker · over a year here gives 90%, under a year gives 75% and Premier only

    US citizens: salary must land in a UK account, and under a year here means 75% loan to value

    What to know

    Barclays assesses time in the UK and right to reside and never nationality, so being American is not itself the issue. It publishes no foreign currency income policy, and its checks want three months of payslips showing salary paid into your own UK account, so dollar pay is the likely sticking point.

    Source: Barclays intermediary residential criteria, 2026-08-17
  19. Bath Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · indefinite leave to remain, three years here, lends in Scotland

    US citizens: indefinite leave to remain and three years here, with no foreign currency income

    What to know

    Bath says it plainly: without indefinite leave to remain there is no mortgage, and a salary in a foreign currency is not accepted either. It wants three years of UK address history and underwrites by hand. Despite the name it lends across England, Wales, mainland Scotland, Orkney and Shetland, though not Northern Ireland.

    Source: Bath Building Society residential lending criteria, 2026-08-17
  20. Buckinghamshire Building SocietyAccepts with conditionsUpdated

    Direct by phone or branch, or through a broker · England and Wales only · every case manually underwritten, no credit score

    US citizens: three years here on a visa, and no deposit money from outside the UK

    What to know

    The lending side does not screen on nationality the way the savings side screens on tax residency, and the expat buy to let criteria name the USA outright as a country an applicant may be resident in. What binds is status and where the deposit came from. With indefinite leave to remain or settled status there is no minimum time in the UK. On a work or skilled worker visa you need three years of living and working here, clean credit, and evidence that the whole deposit was saved rather than gifted. The Society also declines deposits originating outside the UK, so money carried over from the States cannot be the deposit. Nothing published says whether dollar income is accepted, so treat non-sterling pay as unsupported until an underwriter says otherwise.

    Source: Buckinghamshire Building Society residential and buy to let applicant eligibility criteria, deposit criteria and expat criteria, 2026-09-07
  21. Butterfield MortgagesAccepts with conditionsUpdated

    Direct enquiries taken · minimum loan £1,000,000, prime London and southern England only

    US citizens: a minimum loan of £1,000,000 on a prime London or southern property

    What to know

    Butterfield lends to high net worth clients at home and overseas and sets no citizenship test, so the gate is ticket size and postcode. Its current guidelines, dated February 2024, price every facility at a margin over Bank of England base rate with a 2.5% minimum pay rate, and publish no rates, so the figure is quoted to you. Nothing it publishes mentions US citizens.

    Source: Butterfield product guidelines, February 2024, and its UK mortgages page, read 2026-09-14
  22. CouttsAccepts with conditionsUpdated

    Private banker or broker · minimum loan above £1,500,000 for new clients

    US citizens: a minimum loan above £1,500,000 for new clients

    What to know

    Coutts sets no citizenship bar and says it can assess income across a broad range of currencies, so the gate is size rather than your passport. Its criteria put the minimum loan for new clients above £1,500,000, which rules out most first purchases.

    Source: Coutts intermediary mortgage criteria and rate sheet, 31 July 2026, read 2026-08-17
  23. Coventry Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · indefinite leave to remain, two years of UK residency and employment

    US citizens: indefinite leave to remain, two years here, and sterling income

    What to know

    No nationality bar anywhere in the criteria. Coventry asks foreign nationals for indefinite leave to remain or right of abode, two years of UK residency and employment, and three years of address history, and it will not count income paid in a foreign currency for new borrowing.

    Source: Coventry for intermediaries residential criteria, 2026-08-17
  24. Cumberland Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · permanent right of residency, brokers inside its operating area

    US citizens: a permanent right of residency, and lending mostly near its branches

    What to know

    Citizenship is never mentioned, and Cumberland will consider non-UK nationals who live and work here, pay UK tax and hold a permanent right of residency. Note a change worth knowing: its June 2026 criteria dropped the foreign currency section that used to accept dollar income at a 20% discount, so treat non-sterling income as unsupported.

    Source: Cumberland intermediary residential criteria guide, June 2026, read 2026-08-17
  25. Danske Bank UKAccepts with conditionsUpdated

    Direct in Northern Ireland, through a broker in England · indefinite leave required

    US citizens: indefinite leave to remain, because a work visa is refused outright

    What to know

    Danske accepts a US citizen only with indefinite leave to remain, or a permanent right to reside that is not tied to a job, which rules out a skilled worker visa in terms. It lends on Northern Ireland property direct and on English property through brokers, and lends in sterling against sterling income only.

    Source: Danske Bank UK intermediary lending criteria, 2026-08-17
  26. Family Building SocietyAccepts with conditionsUpdated

    Through a broker · indefinite leave to remain, England and Wales only

    Only through a financial adviser

    US citizens: the only lender here that takes dollar pay, at the worst exchange rate of the last decade

    What to know

    The only lender on this page that will underwrite a US dollar salary for someone living in the UK, and the United States sits on its accepted country list. The terms are harsh and worth reading twice: indefinite leave to remain, interest only, variable rate only, 80% loan to value, a sterling UK asset as the repayment vehicle, and your income converted at the lowest exchange rate of the past ten years.

    Source: Family Building Society owner occupier lending criteria and expat range, 2026-08-17
  27. Furness Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · twelve months here, and it lends in Scotland

    US citizens: twelve months here, and only sponsored or spousal visa routes are named

    What to know

    One of only two lenders here that lends in mainland Scotland, which matters if the job is in Edinburgh or Glasgow. It takes health and care, spousal and sponsored skilled worker visas to 90% loan to value after twelve months here, with no minimum time left on the visa. Its published list is silent on Global Talent and on indefinite leave to remain, so anything outside those routes needs a call first.

    Source: Furness Building Society intermediary lending criteria, 2026-08-17
  28. Gatehouse BankAccepts with conditionsUpdated

    Direct or through a broker · six months resident here, dollar income at full value

    US citizens: a home purchase plan rather than a mortgage, and 90% until you have indefinite leave

    What to know

    One of only two lenders on this page that counts a US dollar salary at full value, since Gatehouse puts the United States on its zero haircut list, and it asks for only six months of UK residence. Read what you are buying, though: this is a home purchase plan rather than a mortgage, meaning the bank co-owns the property and you pay rent on its share alongside payments to buy it out. How the IRS treats that structure is genuinely debated among practitioners, so put it to a US adviser before you sign.

    Source: Gatehouse Bank intermediaries criteria and home purchase plan guide, 2026-08-17
  29. Gen HAccepts with conditionsUpdated

    Direct or through a broker · any work-permitting visa, no minimum time here

    US citizens: two years of UK credit history, and no dollar income

    What to know

    Unusually open on immigration: Gen H keeps no list of acceptable visas, sets no minimum time in the UK and asks only that the visa is valid to completion. What it wants instead is two years of UK credit history measured from your oldest account, which is the thing a recent arrival does not have. Foreign currency income is refused.

    Source: Gen H intermediaries, foreign nationals criteria, 2026-08-17
  30. HandelsbankenAccepts with conditionsUpdated

    Branch relationship or broker · UK residents aged 18 or over

    US citizens: nothing is published, every case is underwritten in branch

    What to know

    Handelsbanken lends to UK residents aged 18 or over and says nothing whatever about nationality or foreign currency income, so US citizenship is not a published barrier. The real constraint is that nothing is published at all and every decision is made by a local branch, so you cannot know where you stand without a conversation.

    Source: Handelsbanken UK mortgages page, 2026-08-17
  31. InvestecAccepts with conditionsUpdated

    Private bank or broker · income £300,000, net worth £3,000,000, lending from £1,000,000

    US citizens: income of £300,000 a year and net worth of £3,000,000

    What to know

    Investec screens on wealth rather than nationality, and will consider income and assets held outside sterling, including bonuses and carried interest. The catch for a dollar earner is that it lends in sterling only, so the currency risk stays with you.

    Source: Investec private client mortgage pages, 2026-08-17
  32. Kensington MortgagesAccepts with conditionsUpdated

    Through a broker · two years here plus settled status, or the £75,000 visa route at 70%

    Only through a financial adviser

    US citizens: sterling pay, two years here, and settled status or a narrow 70% visa route

    What to know

    Kensington requires applicants to be UK residents and taxpayers paid in sterling, with two years of UK residency and settled status. There is one visa carve out: more than two years left on a skilled worker visa, two years in the same job and income above £75,000 gets you to 70% loan to value. Dollar salary is the hard stop rather than the passport.

    Source: Kensington lending exclusions and residential product guide, 2026-08-17
  33. Kuwait Finance House PLC, formerly Ahli United Bank UKAccepts with conditionsUpdated

    Through an intermediary · from £250,000, London, the Home Counties, Manchester or Milton Keynes

    Only through a financial adviser

    US citizens: a £250,000 floor, a 70% ceiling, and only certain postcodes

    What to know

    Rebranded from Ahli United Bank UK after the Kuwait Finance House takeover, and still writing owner occupier home finance, but as a private bank. It considers earnings in sterling and in foreign currency, so dollar income counts, and it sets no nationality bar. The gates are size and postcode: £250,000 minimum, 70% maximum, and property in London, the Home Counties, Manchester or Milton Keynes. As with all sharia home finance, take the US tax treatment to an adviser rather than assuming it.

    Source: KFH PLC Ijarah home purchase plan product guide, 2026-08-17
  34. Leeds Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · indefinite leave to remain and two years in the UK

    US citizens: indefinite leave to remain, two years here, and sterling income taxed in the UK

    What to know

    Nationality is not the test. Leeds asks non-UK citizens for indefinite leave to remain or a right to reside, wants the permanent right evidenced for non-EU nationals, and requires two years living here with all income paid in sterling and taxed in the UK.

    Source: Leeds mortgage lending criteria and guidance, 2026-08-17
  35. Marsden Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · indefinite leave to remain and two years here

    US citizens: indefinite leave to remain, since a work visa does not clear the residential range

    What to know

    Marsden underwrites by hand and does not credit score, which helps a thin UK file, but its residential range still stops at indefinite leave to remain or an EU settlement status a US citizen cannot hold. The skilled worker route it does run sits on its expat range, which is built for people living overseas rather than here.

    Source: Marsden intermediaries residential criteria, 2026-08-17
  36. Metro BankAccepts with conditionsUpdated

    Direct or through a broker · permanent rights to reside, sterling income only

    US citizens: income paid in dollars is not accepted, and you need permanent rights to reside

    What to know

    Metro Bank never mentions citizenship, so the barrier is your visa and your pay packet rather than your passport. Its criteria require permanent rights to reside in the UK and state that foreign currency income is not accepted, and holders of a skilled worker or family visa are capped at 75% loan to value.

    Source: Metro Bank residential mortgage lending criteria and product range, 2026-08-17
  37. MPowered MortgagesAccepts with conditionsUpdated

    Through a broker · no minimum income and no minimum time here

    Only through a financial adviser

    US citizens: held to 75% loan to value until you have been here two years

    What to know

    MPowered dropped both the minimum income and the minimum time in the UK, which is rare, and replaced them with a step: under two years here you stop at 75% loan to value, and at two years you reach 90%. It runs a closed list of acceptable visas and names student and ancestral routes as refused, so anyone here to study is out.

    Source: MPowered residency criteria, 2026-08-17
  38. NationwideAccepts with conditionsUpdated

    Through a broker · full three year UK address history required

    US citizens: three years of UK address history, and no foreign currency income at all

    What to know

    Nationwide never asks about citizenship, and then closes two doors anyway. It refuses foreign currency income outright and wants salary paid into a UK account in sterling, and it requires a full three years of UK address history, which rules out anyone recently arrived.

    Source: Nationwide for intermediaries borrower types criteria, 2026-08-17
  39. Newcastle Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · two years in the UK, and 80% loan to value without indefinite leave to remain

    US citizens: held to 80% loan to value without indefinite leave, and no dollar salary

    What to know

    Citizenship is not the test, but the deposit is. Non-EEA applicants are held to 80% loan to value unless an underwriter agrees otherwise, need two years living here and either indefinite leave to remain or a skilled worker visa with three months to run, and a salary paid in any currency other than sterling is refused.

    Source: Newcastle residential lending policy, 2026-08-17
  40. Pepper MoneyAccepts with conditionsUpdated

    Through a broker · one applicant must have indefinite leave to remain

    Only through a financial adviser

    US citizens: one applicant must hold indefinite leave, so you cannot buy alone on a visa

    What to know

    A shut door for an American buying alone on a visa, because Pepper requires that one applicant holds indefinite leave to remain. Buying jointly with a settled partner works, and the visa then needs twelve months left. It also wants three years of UK address history, two years of UK employment, and refuses foreign currency income outright.

    Source: Pepper Money mortgage criteria guide, February 2026, read 2026-08-17
  41. PerennaAccepts with conditionsUpdated

    Direct or through a broker · eighteen months here, twelve months left on the visa

    US citizens: a skilled worker visa with £50,000 income, eighteen months here, and sterling pay

    What to know

    Perenna will lend to 95% without indefinite leave to remain, which almost nobody else does, if the main applicant is on a skilled worker visa earning £50,000 with eighteen months in the UK. Its speciality is very long fixed rates, up to thirty years, where the early repayment charge bites only on refinancing rather than on selling. Everyone on the application must be paid in sterling.

    Source: Perenna intermediary lending criteria, 2026-08-17
  42. Precise MortgagesAccepts with conditionsUpdated

    Through a broker · indefinite leave and three years of UK credit history

    Only through a financial adviser

    US citizens: treated as a referral rather than a yes, and every visa route is refused

    What to know

    The least welcoming lender on this page and the only one that sorts applicants by nationality group. A US citizen is a non-EEA national, which Precise says is not normally acceptable, considered only as a referral with three years of UK residency and credit data. Every visa is answered with a flat no, and applicants paid in a foreign currency are refused.

    Source: Precise residential criteria, 2026-08-17
  43. Principality Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · two years of UK address history, visa with twelve months left

    US citizens: two years of UK address history and a visa with twelve months to run

    What to know

    Citizenship is not the barrier. A non-EEA national needs indefinite leave to remain or more than twelve months left on a visa, plus two years of UK address history, and only sterling income subject to UK tax is counted.

    Source: Principality residential lending criteria, 2026-08-17
  44. Royal Bank of ScotlandAccepts with conditionsUpdated

    Direct or through a broker · the same book, products and rates as NatWest

    US citizens: held to 75% loan to value without indefinite leave, and it is the same book as NatWest

    What to know

    Read this row and the NatWest one as one lender. RBS and NatWest are in the same group and publish identical products and rates, so applying to both is one application dressed as two. The terms are NatWest's: no minimum time in the UK, dollar income counted in full with no haircut, and 75% loan to value on repayment only until you hold permanent right to reside.

    Source: NatWest Group intermediary lending criteria, 2026-08-17
  45. Saffron Building SocietyAccepts with conditionsUpdated

    Through a broker · two years here, England and Wales only

    Only through a financial adviser

    US citizens: two years here, sterling income only, and £75,000 to pass 75%

    What to know

    One of the few lenders that names Global Talent outright, which matters if you came in on that route rather than through a sponsor. It wants two years of UK residence but sets no minimum term left on the visa, and above 75% loan to value it wants £75,000 of income. Only sterling counts, so dollar pay is out.

    Source: Saffron for intermediaries lending criteria, 2026-08-17
  46. Skipton Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · one year in the UK, £40,000 income, all in sterling

    US citizens: one year in the UK, a year left on the visa, and £40,000 of sterling income

    What to know

    Not to be confused with Skipton International, which lends only to people staying overseas. The society itself says visa holders are generally acceptable, asking for a year of UK residency, a year left on the visa, income of £40,000 alone or £60,000 jointly, and all of it received in sterling.

    Source: Skipton intermediaries A to Z residential lending criteria, 2026-08-17
  47. Suffolk Building SocietyAccepts with conditionsUpdated

    Direct or through a broker · twelve months here, England and Wales only

    US citizens: twelve months here, an approved profession, and a 10% deposit that cannot be gifted

    What to know

    Suffolk gates on what you do rather than where you are from. You need twelve months living and working here, a visa with a year left, and a job in education, healthcare, finance, IT, law or science research, or a professional role in marketing, energy or construction. The rule that bites hardest is the deposit: at least 10%, and none of it can be a gift.

    Source: Suffolk Building Society foreign nationals criteria, 2026-08-17
  48. The Co-operative BankAccepts with conditionsUpdated

    Direct or through a broker · three years here and indefinite leave to remain

    US citizens: three years here plus indefinite leave, and sterling income if you are new to the bank

    What to know

    The Platform brand has been folded into the Co-operative Bank for intermediaries, so they are one lender rather than two. It asks a non-UK national for three years lived in the UK and proof of indefinite leave to remain, and requires all income to be in sterling where you are new to the bank.

    Source: Co-operative Bank intermediary lending criteria, version 4.15, 2026-08-17
  49. TogetherAccepts with conditionsUpdated

    Direct or through a broker · permanent right to reside, sterling pay, three years of address history

    US citizens: permanent right to reside, sterling pay into a UK account, three years of address history

    What to know

    Together requires permanent right to reside, sterling pay into a UK bank account and three years of address history, and refers anyone on a visa to an underwriter. Its credit tolerance is genuine, using a demerit system rather than a score, but that is aimed at damaged files rather than empty ones, so it does little for a recent arrival. The rates are much higher than the high street.

    Source: Together personal finance lending criteria, 2026-08-17
  50. TSBAccepts with conditionsUpdated

    Through a broker · twelve months here and eighteen months left on the visa

    US citizens: twelve months here, eighteen months left on an accepted visa

    What to know

    Citizenship is irrelevant to TSB but its visa list is the tightest here, and student and working holiday visas are refused outright. It publishes no foreign currency income policy, so assume dollar pay needs checking before you apply.

    Source: TSB intermediary foreign nationals criteria, 2026-08-17
  51. Virgin MoneyAccepts with conditionsUpdated

    Through a broker · permanent right to reside and three consecutive years of UK address history

    US citizens: needs indefinite leave to remain, three years of address history and sterling pay

    What to know

    Virgin Money does not differentiate by nationality and still has no route for a US citizen on a work visa, because the only statuses it accepts are permanent right to reside or EU settlement. It refuses all non-sterling income, including dollars already converted into pounds. Note that Virgin Money is now part of Nationwide, which refuses foreign currency income too, so the two are not separate chances.

    Source: Virgin Money intermediaries foreign nationals criteria, 2026-08-17
  52. West Brom Building SocietyAccepts with conditionsUpdated

    Through a broker · three years of UK address history, England and Wales only

    Only through a financial adviser

    US citizens: three years of UK address history, and Global Talent is not on the list

    What to know

    A brand new range, launched on 17 August 2026 after a pilot, and every product in it is fee free. Skilled worker and health and care visas reach 90% loan to value. Two things will catch a US citizen: a flat three years of UK address history whatever the visa, and the absence of Global Talent from the accepted list.

    Source: West Brom intermediary lending and security policy, 2026-08-17
  53. Yorkshire Building SocietyAccepts with conditionsUpdated

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

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

    What to know

    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.

    Source: YBS mortgage lending criteria, 2026-08-17

Do not offer this in the UK at all10