Moving to the UK from the USA: A Step-by-Step Guide

Moving to the UK is an exciting journey filled with opportunities and new experiences. Here’s what you should know to make the transition as smooth as possible.
Reasons to Move to the UK
The UK attracts American expats for several reasons. Its rich cultural heritage, steeped in centuries of history, appeals to many Americans. For those who enjoy traveling, the UK’s proximity to the rest of Europe is a major advantage, as it serves as a gateway to countless destinations just a short flight or train ride away.
The UK is also home to some of the world’s most prestigious educational institutions, making it an ideal destination for students and professionals seeking to further their knowledge and careers.
Another significant reason to move to the UK is the healthcare system. The National Health Service (NHS) provides access to healthcare for residents, ensuring that basic health needs are met without the high costs often associated with private healthcare in the US.
Whether you’re drawn by the opportunity to explore new cultures or by the appeal of a stable and high-quality lifestyle, the UK offers a wealth of opportunities for those ready to make the move overseas.
Are You Ready to Move Abroad?
Choose the answer to each question that best describes you or your current situation, and learn how ready you are to start a life abroad.
Are You Ready to Move Abroad?
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You have an adventurous spirit but you may need to prepare a bit more to ensure a smooth transition abroad. Consider researching more about the cultural, legal, and financial aspects of living overseas. Check out our guide 25 Thing Every Expat Should Know
You’re on the right track. You’ve started to think about what life abroad will entail. Keep building on your preparations to avoid any surprises once you’ve moved. Check out our guide 25 Thing Every Expat Should Know
You’re ready to move abroad! You seem well-prepared and have done your homework! You’re ready to embrace the expat life with confidence. Check out our guide 25 Thing Every Expat Should Know
Understanding UK Visas and Immigration
To move to the UK, you’ll need a visa. Depending on your needs and goals, several options are available.
- The Skilled Worker Visa is one of the most common pathways intended for individuals who have secured a job offer from a UK employer approved by the home office.
- The Family Visa is ideal for anyone joining family members already residing in the UK.
- The Student Visa lets Americans who have been accepted into a qualified educational institution stay in the UK while they complete their studies.
- The UK Ancestry Visa is available to anyone who can prove that a grandparent was born in the UK, the Channel Islands, or the Isle of Man.
Each visa type has specific eligibility criteria, application processes, and fees. For detailed information on immigration requirements, visit the UK government’s official website.
Finding Housing in the UK
Once your visa is sorted, finding a place to live will be one of your top priorities. Like in the US, housing in the UK varies greatly depending on location, type of property, and local demand.
Renting Versus Buying
If you’re moving to the UK for the first time, renting is often the easiest option. Cities like London, Manchester, and Edinburgh have a wide range of rental properties, but prices can vary significantly. For example, renting a one-bedroom flat in London can cost upward of $1,800 per month, while in smaller cities or towns, you might pay much less.
Popular Areas for Expats
London is a top choice for expats, with neighborhoods like Kensington, Notting Hill, and Camden offering vibrant communities and amenities. If you prefer something quieter, suburban areas like Richmond or Guildford offer more space and a slower pace, with easy access to the city. Other cities like Birmingham, Manchester, or Edinburgh can offer more affordable options while still providing a vibrant urban experience.
Start your search online using platforms like Rightmove or Zoopla. Local real estate agents can also be a valuable resource, especially if you’re unfamiliar with the area.
Healthcare in the UK
The UK’s healthcare system is one of its major draws for expats. The NHS provides free or low-cost healthcare to residents, funded through taxes.
Healthcare in the UK is primarily provided through the NHS, which offers a comprehensive range of medical services to residents. To access NHS services, most visa applicants must pay the Immigration Health Surcharge (IHS) as part of their visa application. This fee grants you access to healthcare services throughout your stay.
While the NHS covers most healthcare needs, some individuals choose to supplement it with private health insurance to reduce waiting times or gain access to additional services. Upon arrival, it’s important to register with a local general practitioner (GP) to access NHS care. This ensures you have a designated medical provider for non-emergency situations.
Cost of Living in the UK
The cost of living in the UK can vary widely depending on where you choose to live. While London is one of the most expensive cities in the world, other regions can be more affordable. On average, living costs in the UK are lower than in the US, but this largely depends on your lifestyle and spending habits.
You should also be aware of the value-added tax (VAT), which is a 20% tax included in most goods and services. However, some essentials, like most food items and children’s clothing, are exempt. Careful budgeting and a good understanding of regional costs will help you manage your finances effectively.
Working in the UK
If you plan to work in the UK, your visa must allow for employment. For most work visas, such as the Skilled Worker Visa, you’ll need a confirmed job offer from a licensed sponsor. Once in the UK, you’ll also need to apply for a National Insurance number (NIN), which is required for employment.
The UK has strong demand in sectors such as healthcare, IT, engineering, and finance. Websites like LinkedIn, Indeed, and Glassdoor are excellent for job hunting, while recruitment agencies can also help. If you’re moving with a Skilled Worker Visa, your job must meet specific criteria, such as salary thresholds and sponsorship requirements.
UK Taxes for Americans Abroad
The UK operates a progressive income tax system, with rates ranging from 20% to 45% depending on your income. National Insurance contributions are also required, which fund benefits like pensions and healthcare.
As a US citizen, you’ll still need to file taxes with the IRS. The US-UK tax treaty helps avoid double taxation by allowing you to claim credits or exclusions for taxes paid in the UK. You may also be able to use the Foreign Earned Income Exclusion or the Foreign Tax Credit to reduce or even erase your US tax bill.
To learn more, check out our free guide: Complete Tax Guide for US Expats in the UK.
Cultural Adjustments and Everyday Life
Adapting to life in the UK involves embracing some cultural differences.
Driving and Public Transport
In the UK, most vehicles are manual (stick shift), so if you’re accustomed to driving an automatic, it’s worth brushing up on manual driving skills before making the move. Public transportation is a convenient alternative for those who prefer not to drive. The UK boasts an extensive network of buses, trains, and subways, with the London Underground offering quick access across the capital.
If you do plan to drive, remember that vehicles drive on the left side of the road, which can take some getting used to. US driver’s licenses are valid for one year after your arrival, but after that, you’ll need to apply for a UK driving license.
Building a Social Network
Building relationships in a new country can feel daunting, but the UK offers plenty of opportunities to connect with others. Joining expat groups or local hobby clubs or attending community events are great ways to meet people with similar interests. Many cities have dedicated expat meetups, which can ease the transition and help you build a support network.
The British are known for their love of tea, dry humor, and polite conversation. Embracing these cultural quirks can help you navigate social situations and make a positive impression. Pubs often serve as social hubs, so don’t hesitate to stop by your local pub for a chat with the regulars — it’s a key part of British life.
Weather
The UK’s temperate maritime climate means you’ll encounter mild but often unpredictable weather. Rain is frequent, so a good-quality umbrella or waterproof jacket is a must. Summers are generally mild, with temperatures rarely exceeding 80°F, while winters are chilly but not extreme, averaging around 40°F.
It’s a good idea to pack clothing for all seasons, including layers that you can easily add or remove as the weather changes. Adapting to the UK’s ever-changing skies may take time, but the occasional sunny day is all the more rewarding.
Everyday Etiquette
The British are known for their politeness, so learning a few cultural norms can go a long way. For instance, always say “please” and “thank you,” and be mindful of forming and respecting queues (lines).
When meeting people for the first time, a handshake is the standard greeting. In casual settings, you might hear informal greetings like “You alright?” which simply means “How are you?” rather than a question about your well-being.
By embracing these aspects of UK life, you’ll find it easier to settle in and enjoy the country’s unique culture and charm.
Top Tips for a Smooth Transition
Moving to the UK is an exciting opportunity, but preparation is key to ensuring your transition is seamless. Here are a few final tips to help you settle in:
- Visit before you move: If possible, plan a trip to explore neighborhoods, schools, or workplaces in person. This will give you a better feel for what to expect and help you make informed decisions.
- Set up banking early: Opening a UK bank account can simplify daily transactions and help you avoid foreign transaction fees. Research banks that cater to expats, as they may offer services tailored to your needs. (After opening an account, you may have to report it to the IRS on a Foreign Bank Account Report, better known as an FBAR.)
- Register for local services: Upon arrival, you’ll need to register for essential services like a general practitioner (GP) for healthcare, council tax payments for your residence, and utilities. Doing this early can save you time and hassle.
- Stay organized: Keep important documents like your visa, housing lease, healthcare information, and financial records in one secure, accessible place. Consider creating digital backups for added peace of mind.
- Embrace the adventure: Moving to a new country is as much about enjoying the journey as it is about settling in. Explore your surroundings, try new foods, and immerse yourself in the local culture.
Greenback Can Help Make the Move Easier
When moving to the UK from the US, managing your overseas taxes may be a challenge. If you’d like some help, we’re standing by!
Greenback Expat Tax Services specializes in making tax preparation simple for Americans living abroad. Whether you need help understanding the US-UK tax treaty, avoiding double taxation, or filing your annual returns accurately and on time, Greenback is here to help.
Start planning your move today — and let us handle the paperwork while you focus on the adventure ahead! Have questions about the process or next steps? Contact us, and one of our Customer Champions will happily address all your concerns.