momo
US citizens in the UK · Institutions

Which InvestAcc accounts accept US citizens

Last checked

InvestAcc has been checked for US citizens, but none of the verdicts below is verified yet. Treat them as leads.

If you already have an account with InvestAcc, a second one there is usually the easier application, because InvestAcc has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was checked.

At a glance

Account Verdict Last checked
SIPPs Opens Not yet verified · last checked

SIPPs

Compare with other providers
Opens
Not yet verified · last checked

InvestAcc offers all its SIPPs without advice and publishes an application pack for people who have no adviser. It says nothing either way about US citizens, so acceptance is unconfirmed until you ask.

FSCS £85,000 investment cover · apply direct or through an adviser

Account Terms The catch
Minerva SIPP
Annual fee
£500 a year plus VAT, nothing to set up
Dealing fee
Nothing from InvestAcc; it has no dealing desk, so your broker charges its own
Can hold
Shares on the London Stock Exchange, AIM or a recognised overseas exchange, ETFs, investment trusts, REITs, regulated funds, bonds, gold and UK commercial property. Listed holdings must be bought through a UK regulated broker, and overseas listings are approved case by case.
 Pots below about £40,000 are named as a negative target market. Property costs £350 a year, and taking benefits costs £100 in any year you do. No transfers from overseas schemes.
SIPP Lite
Annual fee
£250 a year plus £95 to set up, both plus VAT
Dealing fee
Nothing from InvestAcc; your broker or platform charges its own
Can hold
A restricted version of the Minerva list. No commercial property or land unless you upgrade.
 The annual fee is payable a year in advance, on top of the set-up fee in year one. Upgrading to full Minerva costs £100 in the first year.

Source: InvestAcc Minerva SIPP literature, 2026-08-17 InvestAcc'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

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.

 Tax

US-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.

 Tax

Form 3520

A UK pension held in trust can be a foreign trust to the IRS. Rev. Proc. 2020-17 exempts qualifying retirement trusts from Forms 3520 and 3520-A, on conditions.