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US citizens in the UK · Institutions

Which Killik and Co accounts accept US citizens

Last checked

Killik and Co offers a stocks and shares ISA to a US person, with strings. Also listed below, not yet verified: a general investment account and a pension.

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

Some verdicts below are not yet verified and are marked as such; treat those as leads until confirmed. They are kept out of this page's structured data until a person has checked them.

At a glance

Account Verdict Last checked
Stocks & shares ISAs With strings
Brokerage accounts With strings Not yet verified · last checked
SIPPs With strings Not yet verified · last checked

Stocks & shares ISAs

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With strings

US persons: barred from its app service, and unanswered on the adviser route

One firm, one wrapper, two routes, two different answers. Killik's app-based Silo service publishes a plain bar: to apply you must not be a US citizen or green card holder, and you need three years of UK address history. Its adviser-led routes to the same ISA say nothing about US citizens anywhere, in any document. So the cheap self-serve door is shut and the expensive advised one is merely unanswered. Ask before assuming the second is open.

FSCS £85,000 investment cover · managed service from £100,000

Account Terms The catch
Managed Investment Service inside an ISA
Annual fee
1.35% a year to £1,000,000, then 1.20%
Dealing fee
None; the managed service charges one fee
Can hold
Direct shares, bonds and funds, with no published US-compliant portfolio.
Individual shares
Yes
US-domiciled ETFs
No
 From £100,000. Its app-based service starts from £1 at 0.75% a year. Currency conversion costs 0.35%.

Source: Killik and Co terms and conditions, effective January 2026, read 2026-08-17 Last checked Killik and Co's own page

Brokerage accounts

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With strings
Not yet verified · last checked

US persons: no published US policy either way, and a £100,000 minimum

Killik publishes nothing either way about US citizens: its client terms carry no US person clause and no FATCA clause, and it runs no dedicated US service. That is an absence rather than an acceptance, so treat it as unconfirmed and ask before you apply.

FSCS £85,000 investment cover · minimum portfolio £100,000

Account Terms The catch
Stockbroking Service
Annual fee
0.5% custody on the first £250,000, then 0.1%
Dealing fee
0.5% commission, minimum £50, plus £10 a trade
Can hold
UK and overseas shares, corporate bonds, gilts and funds. The funds are PFICs for US tax; the direct shares are not.
Individual shares
Yes
 Execution only, for investors making their own decisions. Minimum portfolio £100,000, and currency conversion costs 0.35%.

Source: Killik and Co client terms and stockbroking rate card, 2026-08-17 Killik and Co's own page

SIPPs

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With strings
Not yet verified · last checked

US persons: nothing published about US persons, though the pension wrapper itself has no minimum

Completely silent. Killik runs its own SIPP with no minimum on the wrapper, and publishes nothing about US citizens in any document. Note that its one published US bar sits on Silo, its app service, which offers an ISA and no pension, so it cannot reach the SIPP. Unanswered rather than open, and worth a call.

FSCS £85,000 investment cover · no minimum on the pension wrapper itself

Account Terms The catch
Killik SIPP
Annual fee
Nothing to open or hold the wrapper; investment service fees apply on top from 1.35%
Dealing fee
None on the managed service
Can hold
Direct shares, bonds and funds, with no published US-compliant portfolio.
Individual shares
Yes
US-domiciled ETFs
No
 Opening and transferring in, in cash or in specie, are both free.

Source: Killik and Co SIPP pages and rate card, 2026-08-17 Killik and Co'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.