Which Moneybox accounts accept US citizens
Last checkedMoneybox has been checked for US citizens across 7 account types. 6 are closed to a US person and 1 is not on offer, whatever your nationality.
At a glance
| Account type | Verdict | Accounts | Updated |
|---|---|---|---|
| Savings accounts | Declines US citizens | — | |
| Cash ISAs | Declines US citizens | — | |
| Stocks & shares ISAs | Declines US citizens | — | |
| Brokerage accounts | Declines US citizens | — | |
| SIPPs | Declines US citizens | — | |
| Junior stocks & shares ISAs | Declines US citizens | — | |
| Junior SIPPs | Not offered | — |
Savings accounts
Compare with other providersMoneybox requires that you are not a US person, defined to include US citizens, dual citizens and anyone who pays tax in the US, and that bar covers its cash savings range rather than the cash ISA alone.
Source: Moneybox support, 2026-08-17 Moneybox's own page (opens in a new tab)
Cash ISAs
Compare with other providersMoneybox states applicants must not be a US person, so it will not open its cash ISA for a US citizen or dual citizen. The IRS does not recognise the wrapper, taxing the interest as US income.
Source: Moneybox Support, 2026-08-09 Moneybox's own page (opens in a new tab)
Brokerage accounts
Compare with other providersMoneybox states the bar on the product page itself: you must be 18 or over and resident in the UK, and not a US citizen. That is a citizenship test rather than a residence one, so living here does not help. Its individual US shares are offered in the ISA rather than in this account in any case.
FSCS £85,000 investment cover · app only
Source: Moneybox general investment account support page, 2026-08-17 (opens in a new tab) Moneybox's own page (opens in a new tab)
Moneybox says it cannot provide its services to US citizens, including dual citizens, or to anyone paying US tax, and that such a customer would need to close their account. That is written against the whole service rather than one wrapper, so there is no pension exception here.
FSCS £85,000 investment cover · app and desktop
Source: Moneybox support pages, 2026-08-17 (opens in a new tab) Moneybox's own page (opens in a new tab)
Junior SIPPs
Compare with other providersMoneybox sells no pension for children: its Personal Pension is for UK residents aged 18 or over, and its terms list no junior pension. The same terms close every product to US persons in any case.
Source: Moneybox pension page and personal terms and conditions, 2026-09-11 (opens in a new tab) Moneybox'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
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.
TaxPFIC
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.
TaxISA 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.
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.