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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 across 2 account types. Both are open to a US person (both with strings).

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 last updated.

At a glance

Account type Verdict Accounts Updated
SIPPs Accepts with conditions 4
Junior SIPPs Accepts with conditions 3

SIPPs

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Accepts with conditions
Updated

US persons: nothing published about US persons either way, so ask before applying

@sipp sells four SIPPs, from a Solo SIPP holding one platform or manager up to a Full SIPP that can hold commercial property, and prices each separately for clients with and without an adviser. It sells through advisers, and takes a direct application only to use a discretionary manager or investment platform partner, or to buy commercial property, with at least £75,000 to start. Its terms set no nationality bar, and nothing it publishes mentions US citizens, so treat acceptance as unconfirmed and ask first.

FSCS £85,000 investment cover · normally through an adviser; direct applications from £75,000

Account Terms The catch
Solo SIPP
Annual fee
£268 a year with an adviser or £391 without, plus £216 to set up without an adviser, or with one £143 on paper and nothing online. All plus VAT
Dealing fee
Nothing from @sipp; your platform or broker charges its own
Can hold
One execution-only share dealing or fund platform, one discretionary manager, one insurance company investment plan, or one direct standard investment. No commercial property.
 Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
Solo SIPP+
Annual fee
£391 a year with an adviser or £465 without for two investments, rising to £465 or £535 for three, plus £143 to set up with an adviser or £216 without. All plus VAT
Dealing fee
Nothing from @sipp; your platform or broker charges its own
Can hold
The same standard investments as the Solo SIPP, but up to three platforms, managers or plans. No commercial property.
 Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
Collective SIPP
Annual fee
£560 a year with or without an adviser, plus £216 to set up with an adviser or £287 without. 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, discretionary managers or insurance company plans, or held directly. No commercial property.
 No cap on the number of arrangements. Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
Full SIPP
Annual fee
£888 a year with or without an adviser, plus £357 to set up with an adviser or £717 without. All plus VAT
Dealing fee
Nothing from @sipp; your platform or broker charges its own
Can hold
The full range of permitted investments, including commercial property and discretionary managers outside the UK.
 Non-standard assets cost £572 to buy and £717 a year each. Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.

Source: @sipp fee schedule effective 1 April 2026, product governance statement and terms, read 2026-09-14 @sipp's own page

Junior SIPPs

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Accepts with conditions
Updated

US persons: nothing published about US persons either way, so ask before applying

@sipp's terms say a legal guardian can complete the application and give instructions for a member under 18, and its application form has a section built around this: the child's own details go on the form and the guardian signs a separate consent form. The published terms set no US test at all.

Account Terms The catch
Full SIPP
Annual fee
£888 plus VAT (advised or non-advised)
Dealing fee
not published; set by the underlying discretionary fund manager or platform
Can hold
the full range of permitted investments including commercial property and discretionary fund manager arrangements outside the UK
Individual shares
Yes
 —
Collective SIPP
Annual fee
£560 plus VAT (advised or non-advised)
Dealing fee
not published; set by the underlying execution-only share dealing service or fund platform
Can hold
a wide range of standard investments via execution-only share dealing or fund platform facilities, discretionary fund manager arrangements, and insurance company trustee investment plans
Individual shares
Yes
 —
Solo SIPP
Annual fee
£268 plus VAT advised, £391 plus VAT non-advised
Dealing fee
not published; set by the underlying execution-only share dealing service or fund platform
Can hold
one execution-only share dealing or fund platform facility, discretionary fund manager arrangement, insurance company trustee investment plan, or one direct standard investment
Individual shares
Yes
 —

Source: @sipp Terms and Conditions and SIPP application form, 2026-09-11 @sipp's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. 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 .
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