How to Open a U.S. Bank Account As a U.K. Resident

Updated February 21, 2017

If you need an American bank account, but you're a citizen of the United Kingdom, it's not as easy as walking into a branch and requesting a new account. Strict banking and tax laws guide banks in all their applicant decisions and allowing foreign nationals to have bank accounts poses more risk to a U.S. bank than giving a bank account to an American citizen. But it is still possible to obtain such an account.

Contact your current bank and ask if they have affiliates in the United States. If they do, they may be able to help you open an account by linking it to your current bank account.

Use your tax identification number and business name to open an account if you do business in the United States. Banks can open business accounts for noncitizens so long as they're reporting their income to the Internal Revenue Service with a tax identification number.

Open an account with a bank in the United Kingdom that also does business in America. They can help you open a foreign account, since you'll already be an account holder. A list of these banks and their United Kingdom locations are linked in Resources.

Open a brokerage account. Unlike banks, brokerage firms are cooperative international groups that work as one unit. Banks, even those of the same name, tend to operate as an entity only in the country they're located in.

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About the Author

Melly Parker has been writing since 2007, focusing on health, business, technology and home improvement. She has also worked as a teacher and a bioassay laboratory technician. Parker now serves as a marketing specialist at one of the largest mobile app developers in the world. She holds a Master of Science in English.