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Money & Finance

The money side of moving to America

When your life spans two countries, so does your money. The good news is that most of it is manageable once you know where to look. These guides cover the questions Brits ask most, in plain English, with links to the official sources behind each answer.

UK Pensions & National Insurance

Claiming your State Pension from the US, checking your forecast, filling gaps with voluntary NI, and the good news that your pension still rises each year here.

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Banking for Brits in the US

Opening a US account as a new arrival, the ID you need, SSN vs ITIN explained, the credit-history hurdle, and keeping your UK account.

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Mortgages & Home Buying

How a newcomer can get a US mortgage without established US credit, what an expat or foreign-national mortgage is, and who can help.

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Estate Planning & Cross-Border Essentials

Why a UK will may not cover your US assets, what "situs" means, and why two countries means twice the care with tax and estate planning.

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Currency Exchange & Money Transfers

Moving money between the pound and the dollar, how banks and specialist providers compare, what to look for, and providers Brits use.

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Tax for Brits in the US

Being taxed in both countries, when you become a US tax resident, UK Self Assessment after you move, unreported UK accounts, and your UK investments.

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Health & Insurance

How US health insurance works, what happens if you lose your job, life and disability cover, and whether your UK life insurance still counts.

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Not sure which of this applies to you?

Take the free UK-US Money Check. Ten quick questions, about two minutes, and you see your results straight away with no sign-up.

Take the Money Check →
One thing worth doing early Before you settle in, it is worth checking your UK State Pension forecast, looking for gaps in your National Insurance record, and understanding your cross-border tax picture. The pensions guide is the best place to start.

When to get professional help

These guides explain the rules. They cannot tell you the best move for your own money across two tax systems. For anything involving cross-border tax, pensions, or estate planning, consider a regulated financial adviser who specialises in UK-US planning, and a tax professional qualified in both countries. This site does not recommend specific firms; ask about relevant experience, fees, and regulation before engaging anyone.

Guidance reviewed July 2026. Always check the current version of any official page you land on.