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US citizens in the UK · Institutions

Which Aviva accounts accept US citizens

Last checked

Aviva has been checked for US citizens across 4 account types. 1 is open to a US person, 1 is closed and 2 are not on offer, whatever your nationality.

If you already have an account with Aviva, a second one there is usually the easier application, because Aviva 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
Savings accounts Aviva Save Declines US citizens —
SIPPs Accepts US citizens 1
Junior stocks & shares ISAs Not offered —
Junior SIPPs Not offered —

Savings accounts

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Aviva Save

Declines US citizens
Updated

Aviva Save is Raisin UK's marketplace under Aviva's name, and its own eligibility list rules you out in so many words: you can open an account only if you do not have citizenship rights or pay taxes in the US.

Source: Aviva Save: who can open an account with Aviva Save, 2026-09-26 Aviva Save's own page

SIPPs

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Accepts US citizens
Updated

Aviva publishes its eligibility test and citizenship is not in it: you must be 18 and resident in the UK. Its one US clause bites on residence rather than nationality, and only if you move to the States, at which point you are held to insured funds and cash.

FSCS £85,000 for nominee holdings, 100% for insured funds · app and web

Account Terms The catch
Aviva Pension
Annual fee
0.35% a year on the first £500,000, nothing above
Dealing fee
£4.99 a trade in shares, ETFs and investment trusts
Can hold
Direct shares, ETFs and investment trusts alongside more than 5,000 funds. The direct-share route is what lets a US person hold individual companies rather than pooled funds.
 From £25 a month. Fund manager charges sit on top. Moving to the US restricts you to insured funds and cash.

Source: Aviva Pension terms and conditions, 2026-08-17 Aviva's own page

Junior stocks & shares ISAs

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Not offered
Updated

Aviva does not run its own Junior ISA. Its children's savings guide and its own pension and ISA pages all point a parent who wants one to a Junior ISA from its partner Wealthify instead, rather than to any Aviva-branded product.

Source: Aviva 'Ways to save money for your children' page, 2026-09-11 Aviva's own page

Junior SIPPs

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Not offered
Updated

Aviva does not sell a junior pension. The Aviva Pension's own key features document sets the eligibility bar at 'you're aged 18 or over', and no Aviva page offers a pension for a child.

Source: Aviva Pension key features document, 2026-09-11 Aviva'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 .
Tax

SIPP US tax

The US Treasury reads the treaty as leaving UK SIPP growth untaxed until drawn; the treaty's wording is narrower. Contributions, growth and drawdown explained.

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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.

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Saving for a child

How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.

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FATCA

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.