Private banking for US Citizens
Designed for lives that span the Atlantic
Weatherbys Private Bank welcomes US citizens living and working in the UK, providing full banking and lending services without the requirement to hold investments with us.
Our flexible approach, combined with the highly personal service we offer all our clients, means we understand the challenges of managing finances across borders.
We work closely with clients who share our values; who see banking as a long-term partnership, founded on trust, confidence and integrity and always delivered with a personal touch.
Our services include:
- Fully relationship-managed current accounts
- USD currency accounts, with debit card
- 0% on non-sterling transaction fees
- USD deposit accounts
- USD/GBP foreign exchange
- Residential mortgages, with the unique ability to lend against investment portfolios held with external custodians.
Banking that puts you first
Unlike many other banks, we don’t ask clients to invest with us to borrow or open an account. We welcome new clients who simply need efficient day-to-day banking, including foreign exchange, deposit accounts, cash delivery and transactional services.
UK mortgages for expats
US connected clients often come to Weatherbys when it comes to lending and mortgages. Through our flexible approach, we take time to get the full picture of your finances before working closely with you to shape a solution that’s right for you. With our manual underwriting, we take your US-based assets into account, including investment portfolios, and we do not rely solely on automated credit scoring.
Once we’ve understood your needs, we can move quickly and efficiently to put the right lending in place – whether it’s refinancing, releasing capital or funding new opportunities. Our personal approach means decisions are made with care and delivered with confidence, in person or on video call, often within a matter of weeks.
How we typically work with US connected clients
Specialist consultation: We start with a conversation with our dedicated US citizens team, headed by Simon Gardiner.
FATCA documentation: We guide you through the specific regulatory requirements for US persons.
Holistic assessment: We review your global income and assets (no UK credit score required).
Onboarding and lending: Account opening and mortgage offers are typically processed within weeks.
Ongoing relationship: Direct access to your named private banker for all UK/US financial needs including UK debit cards, deposit accounts and FX services for managing funds between USD and GBP.
Private Banking for US citizens
From multicurrency banking to time-sensitive property purchases and ensuring accounts are in place before clients arrive – we provide expert guidance at every stage.
Please click the button below to view our dedicated brochure and learn how we support US citizens in the UK.
What you need to know
We have the power to lend against investment portfolios, but we don’t insist on advising on the portfolios themselves, nor on acting as custodian. Changes in the exchange rate may increase the sterling equivalent of your debt. Think carefully before securing debt against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured against it.
Our mortgages and loans are subject to underwriting and criteria. You must be 18 years or over to apply for a mortgage or other loan secured on your property. Terms and conditions apply.
Our US citizens specialists
Insights
FAQs
Yes. Weatherbys Private Bank is FATCA-compliant and welcomes US citizens living in the UK for current and deposit accounts without requiring an investment relationship.
Yes, however it can be difficult. At Weatherbys, we provide residential and buy-to-let mortgages to US citizens, assessing global income and assets rather than relying on UK-only credit scores.
No. Unlike many private banks, we do not require you to transfer your assets to us to borrow. We can even lend against portfolios held with other custodians.
Due to our manual underwriting process, we aim to provide lending decisions to our US clients within a matter of weeks, not months.