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US citizens in the UK · Institutions

Which Alltrust accounts accept US citizens

Last checked

Alltrust has been checked for US citizens, but none of the verdicts below is verified yet. Treat them as leads.

If you already have an account with Alltrust, a second one there is usually the easier application, because Alltrust has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was checked.

At a glance

Account Verdict Last checked
SIPPs With strings Not yet verified · last checked

SIPPs

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With strings
Not yet verified · last checked

US persons: nothing published about US citizens, and a £100,000 minimum

Alltrust publishes nothing about US citizens, so its position is unstated rather than open. One hint that US-connected members are not new to it: its own fee schedule lists a Flexi SIPP (US) among the books it administers, which it took on with the Rowanmoor transfer. It normally works through advisers and takes direct business only where you evidence its knowledgeable investor requirements.

FSCS £85,000 · normally adviser introduced · £100,000 minimum

Account Terms The catch
Full SIPP
Annual fee
£650 a year plus VAT, plus £99 to set up online through an adviser
Dealing fee
£75 plus VAT for each extra manager or platform, then £50 plus VAT a year
Can hold
Shares on any HMRC recognised exchange, AIM shares, funds, ETFs, investment trusts, REITs, gold, UK commercial property and secured loans.
Individual shares
Yes
 Minimum £100,000 to open. A £150 plus VAT knowledgeable investor check applies to non-advised business.

Source: Alltrust SIPP pages and fee schedule, 2026-08-17 Alltrust's own page

Account names link to the provider's own site. momo has no active affiliate partnerships; if that changes it will be disclosed and will never change a verdict. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

SIPP US tax

The treaty generally lets a UK SIPP grow tax-deferred for US purposes, but the protection has limits. How the US treats contributions, growth and drawdown.

 Tax

US-UK tax treaty

The US-UK treaty stops most double taxation, but the saving clause lets the US tax its citizens almost as if it were not there. What survives the clause.

 Tax

Form 3520

A UK pension held in trust can be a foreign trust to the IRS. Rev. Proc. 2020-17 exempts qualifying retirement trusts from Forms 3520 and 3520-A, on conditions.