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US citizens in the UK · Institutions

Which InvestEngine accounts accept US citizens

Last checked

InvestEngine 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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InvestEngine lists US persons, including US citizens and US tax residents, among the accounts it cannot open. The refusal is close to moot in any case: the platform sells only ETFs and no individual shares, so every holding available here would be a PFIC for a US filer.

FSCS £85,000 investment cover · app and web

Source: InvestEngine help centre, who can open an account, 2026-08-17 Last checked InvestEngine's own page

Brokerage accounts

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A general account exists and is open to eligible clients, and US persons are not among them: InvestEngine cannot open accounts for US citizens or US tax residents. It sells only ETFs in any case, so every holding here would be a PFIC even if the door opened.

FSCS £85,000 investment cover · app and web

Source: InvestEngine help centre, who can open an account, 2026-08-17 Last checked InvestEngine's own page

SIPPs

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Worth noting where the bar lives, because the contract will not tell you: InvestEngine's client terms set no US test at all, and its help centre lists US persons, including citizens and tax residents, among the accounts it cannot open. It is written against accounts rather than wrappers, so the pension closes with the ISA.

FSCS £85,000 investment cover · app and web

Source: InvestEngine help centre, account eligibility, 2026-08-17 Last checked InvestEngine'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.