UK current accounts that accept US citizens
Most UK current accounts open for a US citizen. The friction is paperwork, not refusal: the bank has to report the account to the IRS, and a few decline rather than carry that admin.
A current account is the easiest win on this site. UK banks are required to identify US persons and report their accounts under FATCA, the US law that turned foreign banks into IRS reporters; that reporting is routine for the high-street and digital banks, so they take US customers without drama.
Where a provider says no, it is almost always a smaller building society or a premium account choosing not to run US reporting for a thin slice of customers. The digital banks tend to be the smoothest route, with the account open before the FATCA self-certification form even arrives.
Expect to confirm your US status at sign-up and hand over a US taxpayer ID. That form is FATCA self-certification, not a tax bill; see FATCA in plain terms for what the bank does with it.
Who accepts US citizens
Last checked 27 June 2026| Provider | Verdict | What to know | Last checked |
|---|---|---|---|
| Barclays | Opens | Onboards US persons once a UK address is proven, with W-9 and FATCA self-certification at sign-up. | 27 June 2026 |
| HBL Bank UK | Opens | States plainly that it welcomes US persons who meet their FATCA obligations. | 27 June 2026 |
| HSBC | Opens | High-street accounts accept US persons; HSBC Expat serves non-residents but expects a minimum balance around 50,000 pounds. | 27 June 2026 |
| Lloyds | Opens | Accepts US persons with a UK address; a Lloyds International account is also available. | 27 June 2026 |
| Monzo | Opens | No published US-person policy was found; treat as a lead and confirm directly before relying on it. | 27 June 2026 |
| NatWest | Opens | Accepts US persons with a UK address, with FATCA self-certification at sign-up. | 27 June 2026 |
| Revolut UK | Opens | Opens for US persons and is the easiest route before you have a UK address; Revolut UK is an electronic money institution, not a bank. | 27 June 2026 |
| Starling | Opens | No published US-person policy was found; treat as a lead and confirm directly before relying on it. | 27 June 2026 |
| Wise | Opens | Opens for US citizens, and can be set up before you arrive in the UK; Wise is an electronic money institution, so balances are safeguarded rather than FSCS-protected. | 27 June 2026 |
| Smaller building societies | Skip | Many smaller building societies decline US persons rather than carry FATCA reporting overhead; check each one before applying. | 27 June 2026 |
Provider by provider
Barclays
OpensOnboards US persons once a UK address is proven, with W-9 and FATCA self-certification at sign-up.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Barclays, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveHBL Bank UK
OpensStates plainly that it welcomes US persons who meet their FATCA obligations.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with HBL Bank UK, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveHSBC
OpensHigh-street accounts accept US persons; HSBC Expat serves non-residents but expects a minimum balance around 50,000 pounds.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with HSBC, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveLloyds
OpensAccepts US persons with a UK address; a Lloyds International account is also available.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Lloyds, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveMonzo
OpensNo published US-person policy was found; treat as a lead and confirm directly before relying on it.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Monzo, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveNatWest
OpensAccepts US persons with a UK address, with FATCA self-certification at sign-up.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with NatWest, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveRevolut UK
OpensOpens for US persons and is the easiest route before you have a UK address; Revolut UK is an electronic money institution, not a bank.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Revolut UK, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveStarling
OpensNo published US-person policy was found; treat as a lead and confirm directly before relying on it.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Starling, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveWise
OpensOpens for US citizens, and can be set up before you arrive in the UK; Wise is an electronic money institution, so balances are safeguarded rather than FSCS-protected.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Wise, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveSmaller building societies
SkipMany smaller building societies decline US persons rather than carry FATCA reporting overhead; check each one before applying.
Source on file; last checked 27 June 2026.
Why this is the rule
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.
AccountsMulti-currency accounts
Multi-currency and money-transfer accounts that accept US citizens for holding dollars and pounds, and what FBAR reporting they trigger.