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US citizens in the UK · Institutions

Which Charles Stanley accounts accept US citizens

Last checked

Charles Stanley has been checked for US citizens across 4 account types. 3 are open to a US person (all with strings) and 1 is not on offer, whatever your nationality.

If you already have an account with Charles Stanley, a second one there is usually the easier application, because Charles Stanley 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
Stocks & shares ISAs Charles Stanley (bespoke management) Accepts with conditions 3
Stocks & shares ISAs Charles Stanley Direct Accepts with conditions 2
Brokerage accounts Charles Stanley Direct Accepts with conditions 1
SIPPs Accepts with conditions 2
Junior SIPPs Charles Stanley Direct Not offered —

Stocks & shares ISAs

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Charles Stanley (bespoke management)

Accepts with conditions
Updated

US persons: nothing published about US persons, and managed portfolios from £20,000

Charles Stanley is a trading name of Raymond James Wealth Management, and it publishes no US person exclusion and no US-connected service either. Its only US restriction is residence based and aimed at people applying from the States, which does not on its face catch a US citizen resident here, but silence is not an offer. Three managed services take an ISA, from the Personal Portfolio Service at £20,000 up to bespoke management at £200,000, and none of them publishes a fee.

FSCS £85,000 · Charles Stanley is a trading name of Raymond James Wealth Management · from £20,000

Account Terms The catch
Personal Portfolio Service inside an ISA
Can hold
Charles Stanley's own funds only: its advice on this service is restricted to them, and they are UK funds, so PFICs for US tax.
Individual shares
No
US-domiciled ETFs
No
 Minimum investment £20,000. No charge is published for this service: Charles Stanley sets it out in a schedule of charges given to you.
Advisory Investment Service inside an ISA
Can hold
Direct shares, gilts, corporate bonds, funds and ETFs, with no published US-compliant portfolio.
Individual shares
Yes
US-domiciled ETFs
No
 Minimum investment £200,000. No charge is published for this service: Charles Stanley sets it out in a schedule of charges given to you.
Bespoke Investment Service inside an ISA
Can hold
Direct shares, gilts, corporate bonds, funds and ETFs, with no published US-compliant portfolio.
Individual shares
Yes
US-domiciled ETFs
No
 Minimum investment £200,000. No charge is published for this service: Charles Stanley sets it out in a schedule of charges given to you.

Source: Charles Stanley managed service pages and business terms, read 2026-09-24 Charles Stanley (bespoke management)'s own page

Charles Stanley Direct

Accepts with conditions
Updated

US persons: no published US citizen policy either way, so ring the desk before applying

Open on the face of the terms, which are the only set here with no US bar in the ISA section, relying on the statutory residence test alone. A separate clause about accounts for residents outside the UK reads as aimed at people applying from America rather than at a US citizen living here, but Charles Stanley has never said so, so treat this as unconfirmed and ring first.

FSCS £85,000 investment cover · Charles Stanley is a trading name of Raymond James Wealth Management · online and app

Account Terms The catch
Charles Stanley Direct stocks and shares ISA
Annual fee
0.30% a year, minimum £5 and maximum £50 a month
Dealing fee
£10 an online share trade, £4 an online fund trade, free on monthly fund investing
Can hold
Individual UK shares, international shares as depository interests, funds, investment trusts, ETFs and bonds. The funds and UCITS ETFs are PFICs for US tax and US-domiciled ETFs carry no UK key information document, so individual shares are the workable route.
Individual shares
Yes
US-domiciled ETFs
No
 No minimum investment. The platform charge runs from £60 to £600 a year, and £50 of trading credits arrive every six months.
Personal Trading ISA
Annual fee
0.35% a year for the service
Can hold
Funds, equities and bonds across global markets, dealt over the phone. No dealing charge is published for this service.
Individual shares
Yes
US-domiciled ETFs
No
 Minimum investment £50,000.

Source: Charles Stanley online investing rates and charges and business terms, read 2026-09-24 Charles Stanley Direct's own page

Brokerage accounts

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Charles Stanley Direct

Accepts with conditions
Updated

US persons: no US bar in its terms, but overseas dealing needs a W-8BEN you cannot sign

The only one of these nine with no US person exclusion in its own terms, and its FATCA page treats a US person as someone to report to HMRC rather than refuse. Two cautions before you rely on that. A later clause requires a signed W-8BEN before you buy overseas investments, and that form certifies you are not a US person. And Moneyfarm, in this same group, shows a bar can live in an FAQ rather than the contract, so ask directly.

FSCS £85,000 investment cover · a trading name of Raymond James Wealth Management

Account Terms The catch
Investment Account
Annual fee
0.30% a year across all your accounts, minimum £60 and maximum £600
Dealing fee
£10 an online share trade and £4 a fund trade, with £50 of trading credits every six months
Can hold
More than 12,500 investments including UK and international shares, funds, trusts and ETFs. US-domiciled ETFs are out of reach for want of a UK key information document, so ETF exposure means UCITS funds, which are PFICs.
Individual shares
Yes
US-domiciled ETFs
No
 US shares deal online as depository interests at £10 plus an international charge from 1.00% falling to 0.15% on the largest trades. Shares without a depository interest are phone only at 1%, minimum £50.

Source: Charles Stanley online investing business terms, clauses 1.5.5 and 1.7.2, 2026-08-17 Charles Stanley Direct's own page

SIPPs

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Accepts with conditions
Updated

US persons: nothing published about US persons either way

Charles Stanley runs two SIPPs, the Direct SIPP on its online platform and the Alpha SIPP inside its managed services, and says only that you must be UK resident to open either. Its terms are as silent on US citizens for the pension as for the ISA, and it says the same service levels apply to both wrappers as to any other account, so neither carries a separate rule.

FSCS £85,000 · SIPP wrapper fee £100 plus VAT, waived above £30,000

Account Terms The catch
Charles Stanley Direct SIPP
Annual fee
0.30% a year across all your accounts, minimum £60 and maximum £600, plus £100 plus VAT a year for the wrapper, waived if you hold over £30,000
Dealing fee
£10 an online share trade and £4 a fund trade, with £50 of trading credits every six months. Bonds and gilts deal by phone only, at 1%, minimum £25
Can hold
Direct shares, gilts, corporate bonds, funds and ETFs, with no published US-compliant portfolio.
Individual shares
Yes
US-domiciled ETFs
No
 Setting up and transferring in are free, and no platform charge applies to Charles Stanley's own multi-asset funds. Taking benefits costs £150 plus VAT each time, and income drawdown £50 plus VAT a year.
Charles Stanley Alpha SIPP
Annual fee
£250 a year for the SIPP, with management charges set out in your proposal rather than published
Can hold
A portfolio run by the Bespoke Investment Service or Advisory Investment Services, each from £200,000.
 Charles Stanley refers to a separate Alpha SIPP fees and charges sheet that it does not publish, so ask for it before committing.

Source: Charles Stanley SIPP page and online investing rates and charges, read 2026-09-14 Charles Stanley's own page

Junior SIPPs

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Charles Stanley Direct

Not offered
Updated

Charles Stanley does not sell a junior pension. Its SIPP page lists the platform's own account options as the Stocks and Shares ISA, the SIPP, the Investment Account, the Junior Stocks and Shares ISA and Cash Savings, with no Junior SIPP anywhere in that list or elsewhere on the site.

Source: Charles Stanley SIPP page, 'Account options' list, archived 2026-09-11 Charles Stanley Direct's own page

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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

PFIC

Almost every UK-domiciled fund is a PFIC, taxed by the US at punitive rates with heavy filing. This is why US citizens hold individual shares, not UK funds.

 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.

 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

ISA US tax

The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.