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US citizens in the UK · Institutions

Which DEGIRO accounts accept US citizens

Last checked

DEGIRO has no general investment account to open, whatever your nationality.

At a glance

Account Verdict Last checked
Brokerage accounts Not offered

Brokerage accounts

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Not offered

DEGIRO fails twice over. It says it cannot serve a US person and that US law follows the person rather than the address, and separately its UK site says onboarding for new UK clients is closed. Worth noting the protection too: flatexDEGIRO Bank SE is an overseas firm and the FSCS does not cover you.

No FSCS. German investor compensation at 90% of missing assets up to 20,000 euros, and 100,000 euros on cash

Source: DEGIRO UK helpdesk, US persons, 2026-08-17 Last checked DEGIRO'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

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.