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US citizens in the UK · Institutions

Which @sipp accounts accept US citizens

Last checked

@sipp 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 @sipp, a second one there is usually the easier application, because @sipp 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 Opens Not yet verified · last checked

SIPPs

Compare with other providers
Opens
Not yet verified · last checked

@sipp takes direct applications and publishes a fee tier for customers without an adviser, and its terms set no nationality bar. It publishes nothing at all about US citizens, so treat acceptance as unconfirmed and ask first.

FSCS £85,000 investment cover · apply direct or through an adviser

Account Terms The catch
Full SIPP
Annual fee
£888 a year plus £717 to set up without an adviser, or £357 with one. All plus VAT
Dealing fee
Nothing from @sipp; your platform or broker charges its own
Can hold
Standard assets including cash, bonds, investment trusts, REITs, regulated funds, gold and listed securities, plus commercial property and discretionary managers outside the UK.
 Transfers in and contributions are free. Fees exclude VAT and can be revised on 30 days' notice.
Collective SIPP
Annual fee
£560 a year plus £287 to set up without an adviser, or £216 with one. All plus VAT
Dealing fee
Nothing from @sipp; your platform or broker charges its own
Can hold
Unlimited standard investments through share dealing accounts, fund platforms or discretionary managers. No commercial property.
 No cap on the number of arrangements. Transfers in and contributions are free.

Source: @sipp literature and fee schedule, 2026-08-17 @sipp'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.