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US citizens in the UK · Institutions

Which CMC Invest accounts accept US citizens

Last checked

CMC Invest 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 CMC Invest, a second one there is usually the easier application, because CMC Invest 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
Stocks & shares ISAs Opens Not yet verified · last checked
Brokerage accounts Opens Not yet verified · last checked

Stocks & shares ISAs

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Opens
Not yet verified · last checked

The ISA terms set eligibility at 18 or over and resident in the UK, with no US person clause, and the general terms are equally silent, so nothing published stops you. Its share dealing material historically said US citizens complete a W-9 rather than a W-8BEN, which points to US persons being onboarded, but that page has been consolidated away, so confirm before subscribing.

FSCS £85,000 investment cover · client money in segregated accounts

Account Terms The catch
Stocks and Shares ISA, Core plan
Annual fee
None on Core, £6.99 a month on Plus
Dealing fee
No commission on in-app trades
Can hold
More than 3,000 US shares, large UK shares, over 400 ETFs, investment trusts and REITs. The ETFs are UK listed, so PFICs; the direct shares are not.
Individual shares
Yes
US-domiciled ETFs
No
 Minimum deposit £1, and it is a flexible ISA on uninvested cash.

Source: CMC Invest ISA terms and general terms of business, 2026-08-17 CMC Invest's own page

Brokerage accounts

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Opens
Not yet verified · last checked

Its July 2026 terms set two conditions to open a general investment account, being 18 or over and resident in the UK, and never mention US persons, citizenship or tax residency anywhere. That is the most open position among the newer entrants, but it is an absence of a bar rather than a written welcome, so treat it as unconfirmed and ask at application.

FSCS £85,000 investment cover · holdings may be pooled in omnibus accounts

Account Terms The catch
General investment account, Core plan
Annual fee
None on Core. Plus is £6.99 a month and Premium £10.99
Dealing fee
No commission on trades
Can hold
More than 3,000 US shares, large UK shares, over 400 ETFs, investment trusts and REITs, with fractions available. The ETFs are UK and European listed, so PFICs; the direct shares are not.
Individual shares
Yes
US-domiciled ETFs
No
 Currency conversion costs 0.99% on Core, falling to 0.39% on the paid plans.

Source: CMC Markets Investments general terms of business, July 2026, read 2026-08-17 CMC Invest'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

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

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.

 Tax

FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.