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US citizens in the UK · Institutions

Which InvestAcc accounts accept US citizens

Last checked

InvestAcc has been checked for US citizens across 2 account types. Both are open to a US person (both with strings).

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 last updated.

At a glance

Account type Verdict Accounts Updated
SIPPs Accepts with conditions 3
Junior SIPPs Accepts with conditions 2

SIPPs

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Accepts with conditions
Updated

US persons: nothing published about US persons, but you must be living in the UK to apply

InvestAcc publishes nothing about US citizens either way, so its position is unstated. Its gate is residence: it takes applications only from people who are UK resident and living in the UK at the time, and it accepts no transfers from overseas pension schemes, which rules out moving a US pot in. It takes direct business, with its own application pack for customers without an adviser, and its own target market statement says a fund below about £40,000 is unlikely to benefit from a fixed-fee SIPP.

FSCS £85,000 investment cover · apply direct or through an adviser · UK resident and living in the UK at application

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.
 Property costs £350 a year, falling to £100 once an independent property manager is appointed and waived on vacant land after the first year, and disposing of one costs £250. Taking benefits costs £100 in any year you do. No transfers from overseas schemes. Fees exclude VAT.
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.
 One investment account only, alongside the SIPP bank account. The annual fee is payable a year in advance, on top of the set-up fee in year one. Upgrading to the full Minerva SIPP costs £100 in the first year and nothing after that. Fees exclude VAT.
InvestAcc SSAS
Annual fee
£850 a year for one to four members, rising by about £75 a member to £1,375 at eleven, plus £650 to establish the scheme. All plus VAT
Dealing fee
Nothing from InvestAcc; your broker or platform charges its own
Can hold
A wide range including UK commercial property and land, unlisted shares, and a secured loan to the sponsoring employer of up to half the scheme's net assets.
 Not a personal pension: an employer scheme, so it needs an actively trading sponsoring employer at the outset and takes at most eleven members, who all become trustees. InvestAcc's own target market statement says a fund below about £80,000 is unlikely to benefit.

Source: InvestAcc schedules of fees, June 2025, and its SIPP application pack, read 2026-09-25 InvestAcc's own page

Junior SIPPs

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Accepts with conditions
Updated

US persons: nothing published about US persons either way, so ask before applying

InvestAcc publishes a page saying plainly that a child of any age can hold a Minerva SIPP or SIPP Lite, provided the usual £40,000 minimum investment is met and a parent or guardian is appointed as trustee. The published terms set no US test.

Account Terms The catch
Minerva SIPP
Annual fee
£500 single member fee plus VAT, no initial set up fee
Dealing fee
not set by InvestAcc; charged by whichever stockbroker, platform or discretionary fund manager holds the investment
Can hold
commercial property and land, plus deposit accounts, DFM arrangements, open market platform/wrap accounts, stockbroker accounts and trustee investment plans, any combination held together
Individual shares
Yes
 —
SIPP Lite
Annual fee
£250 plus VAT annual fee, £95 plus VAT initial set up fee
Dealing fee
not set by InvestAcc; charged by whichever stockbroker, platform or discretionary fund manager holds the investment
Can hold
one investment account alongside the default SIPP bank account: a stockbroker account, DFM arrangement, open market platform/wrap account or trustee investment plan
Individual shares
Yes
 —

Source: InvestAcc 'SIPPs For Children Under the Age of 18' article and Minerva SIPP terms and conditions, 2026-09-11 InvestAcc'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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