Which Interactive Investor accounts accept US citizens
Last checkedInteractive Investor 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 | — |
Brokerage accounts
Compare with other providersThe marketing page and the contract disagree, and the contract wins. The product page asks only that you are 18 or over and a UK tax resident, which a US citizen in Britain passes. The terms of service then require you to confirm you are neither a Canadian resident nor a US person, and a later clause lets ii close your positions if it believes you are one.
FSCS £85,000 investment cover · online and app
Source: ii terms of service, clauses on eligibility and 20.2, 2026-08-17 (opens in a new tab) Interactive Investor's own page (opens in a new tab)
Widely assumed to be open to Americans, and it is not. The SIPP terms make you confirm you are neither a Canadian resident nor a US person, which is a confirmation a US citizen cannot truthfully give, and a later clause lets ii close positions where it believes you are one.
FSCS £85,000 investment cover · online and app
Source: ii SIPP terms, clauses 13.3 and 18, 2026-08-17 (opens in a new tab) Interactive Investor's own page (opens in a new tab)
Junior SIPPs
Compare with other providersii says plainly on its own junior SIPP guide that it has stopped taking new applicants for the product, so the US-person question in its general and SIPP terms does not need to be reached for a new account.
Source: ii 'What is a junior SIPP?' guide, 2026-09-11 (opens in a new tab) Interactive Investor's own page (opens in a new tab)
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.
Why this is the rule
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.
TaxSIPP US tax
The US Treasury reads the treaty as leaving UK SIPP growth untaxed until drawn; the treaty's wording is narrower. Contributions, growth and drawdown explained.
TaxUS-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.
TaxSaving for a child
How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.