Subjective cognitive decline (SCD) may reflect a dementia prodrome or modifiable risk factor such as sleep disturbance. What is the association between sleep and SCD? Cross-sectional design, from two studies of older adults: the WHICAP in the USA, and the HELIAD in Greece. 1576 WHICAP and 1456 HELIAD participants, without mild cognitive impairment, dementia, or severe depression/anxiety were included. Participants were mostly women, with 12 (WHICAP) and 8 (HELIAD) mean years of education. Sleep problems were estimated using the Sleep Scale from the Medical Outcomes Study. SCD was assessed using a structured complaint questionnaire that queries for subjective memory and other cognitive symptoms. Multinomial or logistic regression models were used to examine whether sleep problems were associated with complaints about general cognition, memory, naming, orientation, and calculations. Age, sex, education, sleep medication, use of medications affecting cognition, comorbidities, depression and anxiety were used as covariates. Objective cognition was also used estimated by summarizing neuropsychological performance into composite z-scores. Sleep problems were associated with two or more complaints; WHICAP:β=1.93(95%CI: 1.59–2.34),p≤0.0001, HELIAD:β=1.48(95%CI:1.20–1.83),(p≤0.0001). Sleep problems were associated with complaints in all the cognitive sub-categories except orientation for the WHICAP. The associations were noted regardless of objective cognition. At any given level of objective cognition, sleep disturbance is accompanied by subjective cognitive impairment. The replicability in two ethnically, genetically, and culturally different cohorts adds validity to our results. Results have implications for the correlates, and potential etiology of SCD, which should be considered in the assessment and treatment of older adults with cognitive complaints.