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US citizens in the UK · Institutions

Which Killik and Co accounts accept US citizens

Last checked

Killik and Co has been checked for US citizens across 3 account types. All 3 are open to a US person (all with strings).

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 last updated.

At a glance

Account type Verdict Accounts Updated
Stocks & shares ISAs Accepts with conditions 1
Brokerage accounts Accepts with conditions 1
SIPPs Accepts with conditions 1

Stocks & shares ISAs

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Accepts with conditions
Updated

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 residential history. Its adviser-led routes to the same ISA say nothing about US citizens, in its May 2026 terms or on its service pages. 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 Silo page, introduction to its services (2026) and terms and conditions (May 2026), 2026-09-15 Killik and Co's own page

Brokerage accounts

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Accepts with conditions
Updated

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

Killik publishes nothing either way about US citizens for this service: its May 2026 client terms carry no US person clause and no FATCA clause, and it runs no dedicated US service. The one US bar it does publish is written for Silo, its app-based managed service, rather than for stockbroking. 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 terms and conditions (May 2026), Silo page and stockbroking rate card, 2026-09-15 Killik and Co's own page

SIPPs

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Accepts with conditions
Updated

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 neither its SIPP pages nor its May 2026 terms say anything about US citizens. Its one published US bar sits on Silo, its app service, which offers an ISA and a general account but 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 page, Silo page and terms and conditions (May 2026), 2026-09-15 Killik and Co'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 .
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

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.

 Tax

SIPP 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.