Which InvestEngine accounts accept US citizens
Last checkedInvestEngine has been checked for US citizens across 5 account types. 3 are closed to a US person and 2 are 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 | Not offered | — | |
| Junior SIPPs | Not offered | — |
Brokerage accounts
Compare with other providersA 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 (opens in a new tab) InvestEngine's own page (opens in a new tab)
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 (opens in a new tab) InvestEngine's own page (opens in a new tab)
Junior SIPPs
Compare with other providersInvestEngine sells one pension, its SIPP, restricted to UK residents aged 18 to 75; there is no junior or child pension product. The same accounts page lists no fifth, junior account type.
Source: InvestEngine SIPP page and accounts page, 2026-09-11 (opens in a new tab) InvestEngine'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.