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US citizens in the UK · Institutions

Which Freetrade accounts accept US citizens

Last checked

Freetrade has been checked for US citizens across 5 account types. 4 are closed to a US person and 1 is not on offer, whatever your nationality.

At a glance

Account type Verdict Accounts Updated
Stocks & shares ISAs Declines US citizens —
Brokerage accounts Declines US citizens —
SIPPs Declines US citizens —
Junior stocks & shares ISAs Declines US citizens —
Junior SIPPs Not offered —

Stocks & shares ISAs

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Declines US citizens
Updated

Freetrade says it is not available to US citizens or to anyone holding dual US citizenship, and its terms make not being a US person under FATCA a condition of the account. A later clause requires you to tell it and sell any holdings you cease to be eligible for.

FSCS £85,000 investment cover · app and web

Source: Freetrade help centre and general terms clause 7.2.5, 2026-08-17 Freetrade's own page

Brokerage accounts

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Declines US citizens
Updated

Freetrade sells a general account with no fee and no commission, and its terms make not being a US person under FATCA a condition of every account it offers, including citizens and residents of the States. The bar bites before you reach its separate fund restrictions.

FSCS £85,000 investment cover · app and web

Source: Freetrade general terms, clause 7.2.5, 2026-08-17 Freetrade's own page

SIPPs

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Declines US citizens
Updated

Freetrade makes not being a US person under FATCA a condition of every account it offers, the SIPP included, and spells out that this covers citizens, residents and anyone meeting the substantial presence test.

FSCS £85,000 investment cover · app and web

Source: Freetrade terms and conditions, 2026-08-17 Freetrade's own page

Junior stocks & shares ISAs

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Declines US citizens
Updated

The bar catches the parent. A Freetrade JISA can only be opened by a Registered Contact who already holds a Freetrade GIA, and every Freetrade account requires the holder not to be a US Person under FATCA. The Named Child's own eligibility criteria set no separate citizenship test.

Source: Freetrade general terms and conditions, sections 7.2 and 7.2.7, and JISA terms, section 3.1, 2026-09-11 Freetrade's own page

Junior SIPPs

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Not offered
Updated

Freetrade sells no pension for children: it advertises three account types only, a free ISA, a free pension (SIPP) and a free Junior ISA, with no Junior SIPP among them. The general terms' US Person bar would in any case catch the parent who would have to open it.

Source: Freetrade SIPP page and general terms and conditions section 7.2.5, 2026-09-11 Freetrade's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. 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 .
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