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US citizens in the UK · Institutions

Which Fidelity accounts accept US citizens

Last checked

Fidelity has been checked for US citizens across 5 account types. All 5 are closed to a US person.

At a glance

Account type Verdict Accounts Updated
Stocks & shares ISAs Fidelity UK Declines US citizens —
Brokerage accounts Fidelity UK Declines US citizens —
SIPPs Declines US citizens —
Junior stocks & shares ISAs Declines US citizens —
Junior SIPPs Declines US citizens —

Stocks & shares ISAs

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Fidelity UK

Declines US citizens
Updated

Fidelity answers its own question about who can open an account with a residence test and a US person test, and its definition of a US person leads with any citizen of the United States. It also reserves the right to sell your investments and close the account if it merely suspects you are one.

FSCS £85,000 investment cover · online and app

Source: Fidelity key features and client terms, 2026-08-17 Fidelity UK's own page

Brokerage accounts

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Fidelity UK

Declines US citizens
Updated

Fidelity's client terms restrict accounts to UK residents over 18 who are not US persons, and the definition covers any US citizen and any US passport holder wherever they live. It also reserves the right to sell your investments and close the account if it merely suspects you will become one.

FSCS £85,000 investment cover · online and app

Source: Fidelity, Doing Business with Fidelity client terms, April 2026, read 2026-08-17 Fidelity UK's own page

SIPPs

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Declines US citizens
Updated

Fidelity's client terms say the products are not offered to US persons, and the definition opens with any citizen of the United States and any US passport holder regardless of where they live. It also reserves the right to sell your investments and close the account if you are or become one.

FSCS £85,000 investment cover · online and app

Source: Fidelity SIPP client terms, 2026-08-17 Fidelity's own page

Junior stocks & shares ISAs

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Declines US citizens
Updated

Fidelity's client terms say the products and services are not offered to US persons, a term that leads with any citizen of the United States, and the same terms state that Junior ISA investments must remain beneficially owned by the child. The bar catches the child directly as the account's beneficial owner, whichever parent applies as registered contact.

Source: Fidelity Doing Business with Fidelity client terms, clauses 1.3(e) and 13.3(c), 2026-09-11 Fidelity's own page

Junior SIPPs

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Declines US citizens
Updated

The same Fidelity client terms bar US persons from its products and services, and the Junior SIPP account is held in the child's name, so the bar catches the child as the account holder regardless of which parent or guardian applies to open it.

Source: Fidelity Doing Business with Fidelity client terms, clause 1.3(e), and Junior SIPP product page, 2026-09-11 Fidelity'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 .
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