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.
What are you trying to do?
Everything checked, by account type
Current accounts
Which UK current accounts open for US citizens, which add strings, and which decline. Verdicts by provider, with the FATCA reason behind each one.
Accounts Of the 65 that offer it, 48 providers open it as you are, 4 providers open it with conditions and 13 providers refuse a US citizen.Savings accounts
Which UK savings accounts accept US citizens, which ask for extra paperwork, and which say no. Per-provider verdicts and the reporting rules behind them.
Accounts Of the 37 that offer it, 28 providers open it as you are, none open it with conditions and 9 providers refuse a US citizen.Cash ISAs
A cash ISA is tax-free to HMRC but not to the IRS. Which UK providers open one for a US citizen, and why the US still taxes the interest.
Accounts Of the 46 that offer it, 1 provider opens it as you are, 16 providers open it with conditions and 29 providers refuse a US citizen. 1 more provider does not offer it at all.Stocks & shares ISAs
Most UK funds in a stocks and shares ISA are PFICs, which the US taxes punitively. Which providers accept US citizens, and why the wrapper rarely helps.
Accounts Of the 44 that offer it, 4 providers open it as you are, 14 providers open it with conditions and 26 providers refuse a US citizen. 7 more providers do not offer it at all.Brokerage accounts
Most UK investment platforms decline US persons. The ones that accept you, what they let you hold, and the PFIC trap on UK-domiciled funds.
Accounts Of the 52 that offer it, 5 providers open it as you are, 27 providers open it with conditions and 20 providers refuse a US citizen. 6 more providers do not offer it at all.SIPPs
A SIPP can work for a US citizen, but most providers restrict what you can hold. Which SIPPs accept you, and how the treaty protects the wrapper.
Accounts Of the 53 that offer it, 11 providers open it as you are, 42 providers open it with conditions and none refuse a US citizen. 10 more providers do not offer it at all.Mortgages
US citizenship is not a barrier to a UK mortgage, but US-source income and FATCA paperwork narrow the lender list. Which lenders work with US citizens.
Accounts Of the 26 that offer it, 11 providers open it as you are, 15 providers open it with conditions and none refuse a US citizen. 5 more providers do not offer it at all.Credit cards
A UK credit card needs UK credit history, not US citizenship. Which issuers accept US citizens, and how to build a UK file from scratch.
Accounts Of the 7 that offer it, 2 providers open it as you are, 5 providers open it with conditions and none refuse a US citizen.Multi-currency accounts
Multi-currency and money-transfer accounts that accept US citizens for holding dollars and pounds, and what FBAR reporting they trigger.
Accounts Of the 22 that offer it, 19 providers open it as you are, 2 providers open it with conditions and 1 provider refuses a US citizen. 17 more providers do not offer it at all.Junior cash ISAs
Which UK Junior cash ISAs open for a child who is a US citizen, which banks have stopped selling one, and how the US taxes the interest.
Accounts Of the 17 that offer it, none open it as you are, 3 providers open it with conditions and 14 providers refuse a US citizen. 12 more providers do not offer it at all.Junior stocks & shares ISAs
Which UK platforms will open a Junior stocks and shares ISA for a US citizen child, why most refuse, and the PFIC problem with the funds inside.
Accounts Of the 13 that offer it, 2 providers open it as you are, 8 providers open it with conditions and 3 providers refuse a US citizen. 27 more providers do not offer it at all.Junior SIPPs
Which UK pension providers will open a SIPP for a child who is a US citizen, run by a parent until they turn 18, and how the US-UK treaty treats it.