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US citizens in the UK · Institutions

Which Interactive Investor accounts accept US citizens

Last checked

Interactive Investor has been checked for US citizens across 3 account types. All 3 are closed to a US person.

At a glance

Account Verdict Last checked
Stocks & shares ISAs Skip
Brokerage accounts Skip
SIPPs Skip

Stocks & shares ISAs

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The terms governing the ISA require you to confirm that 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 sell your holdings if it believes you are one.

FSCS £85,000 investment cover · online and app

Source: ii terms of service, clauses 14.3 and 20.2, 2026-08-17 Last checked Interactive Investor's own page

Brokerage accounts

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The 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 Last checked Interactive Investor's own page

SIPPs

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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 Last checked Interactive Investor'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

ISA US tax

The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.

 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.

 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.