momo
US citizens in the UK · Institutions

Which Curtis Banks accounts accept US citizens

Last checked

Curtis Banks offers a pension to a US person, with strings.

If you already have an account with Curtis Banks, a second one there is usually the easier application, because Curtis Banks 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 With strings

SIPPs

Compare with other providers
With strings

US persons: paper application, an overseas client declaration, a UK regulated adviser, and transfers only

Curtis Banks names US citizens resident in the UK as a category it accepts, which few providers do in writing. The conditions are heavy: paper only, an overseas client declaration, a UK FCA regulated adviser, and the plan can be funded only by transfers from UK pensions, so you cannot pay new contributions in.

FSCS £85,000 investment cover · adviser introduced

Account Terms The catch
Your Future SIPP
Annual fee
£418 a year using one investment partner, or £968 for the full range, plus £129 to set up. All plus VAT
Dealing fee
£65 per instruction for directly held investments, £33 with a firm that is not an investment partner
Can hold
Shares, bonds, ETFs, investment trusts and REITs on the London Stock Exchange, AIM or any HMRC recognised overseas exchange, so US-listed stock is in scope. Also authorised funds, structured products and commercial property.
 Transfers from UK pensions only, so no new contributions. Online applications are closed to overseas clients, and you must confirm an adviser has advised on both the transfer and the suitability of the investments for a US national.

Source: Curtis Banks overseas client declaration, 2026-08-17 Last checked Curtis Banks'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.