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US citizens in the UK · Finding

Which UK savings platforms accept US citizens

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Raisin UK declines US citizens, and so do the three savings platforms it runs under other names: AJ Bell Cash savings hub, Aviva Save and Smart Savings from Willis Owen. One eligibility policy closes four doors that look separate on a comparison site. Opening a savings account directly with a bank is the route that works: 52 of the 61 other savings providers checked on the savings account page accept US citizens.

Why one policy closes them all

A savings platform is a single account through which you open fixed and easy access savings with several banks at once. The platform checks who you are and holds the relationship; the banks on its panel take the deposits. When one marketplace runs a platform under another company's name, the eligibility test is the marketplace's, and each platform repeats it in its own terms, as the table below quotes.

The test that shuts out an American is usually sole UK tax residency, not citizenship. The US taxes its citizens wherever they live, so a US citizen living here is tax resident in both countries and cannot declare the UK as their only one. Some platforms go further and name US citizenship or US persons outright.

The banks on a platform's panel are a separate question. A bank you cannot reach through a platform may accept you when you apply to it directly, and the savings account page has each bank's own verdict.

Raisin UK and the three platforms it runs

Platform Powered by Verdict for a US citizen Why, from its own terms Checked
Raisin UK Its own marketplace Declines US citizens Raisin UK requires sole UK tax residency to open its marketplace account, and that account is the gateway to every partner bank on its panel, so the whole platform is closed even where a partner bank would accept you directly. Source: Raisin UK terms and conditions, clause 2.3, 2026-09-26
AJ Bell Cash savings hub Raisin UK To provide you with the Cash savings hub, we have also partnered with Raisin, who in turn has partnered with the Service Bank and Partner Banks. Raisin: provides the platform that enables you to access and manage multiple Savings Accounts through the Cash savings hub. Source: AJ Bell Cash savings hub terms and conditions, 2026-09-26 Declines US citizens AJ Bell's Cash savings hub runs on Raisin UK's platform, and its terms admit only someone who is solely a UK resident for tax purposes. The US taxes its citizens wherever they live, so a US citizen here is tax resident in both countries and cannot give that answer. Source: AJ Bell Cash savings hub terms and conditions, clause 2.1, 2026-09-26
Aviva Save Raisin UK We've teamed up with Raisin UK to offer you Aviva Save. Source: Aviva Save: who can open an account with Aviva Save, 2026-09-26 Declines US citizens Aviva Save is Raisin UK's marketplace under Aviva's name, and its own eligibility list rules you out in so many words: you can open an account only if you do not have citizenship rights or pay taxes in the US. Source: Aviva Save: who can open an account with Aviva Save, 2026-09-26
Smart Savings from Willis Owen Raisin UK Willis Owen Smart Savings is powered by Raisin UK, which provides the technology platform and manages relationships with the Partner Banks offering products through the service. Source: Willis Owen: introduction to Smart Savings, 2026-09-26 Declines US citizens Smart Savings is Raisin UK under the Willis Owen name, and registration asks you to confirm two things a US citizen cannot: that you are solely tax resident in the UK, and that you are not a US person as the IRS defines one. Source: Willis Owen Smart Savings registration page, 2026-09-26

What works instead

Go to the bank. A savings account opened directly is reported under FATCA like any other UK account, which is routine for a bank and not a reason to decline. The savings account page lists every provider checked with its verdict, rates and the date each was read, and the cash ISA page does the same for the tax-free wrapper, which the US does not treat as tax-free.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Accounts

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.

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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.

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FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.