momo
US citizens in the UK · Institutions

Which Moneybox accounts accept US citizens

Last checked

Moneybox has been checked for US citizens across 5 account types. All 5 are closed to a US person.

At a glance

Account Verdict Last checked
Savings accounts Skip
Cash ISAs Skip
Stocks & shares ISAs Skip
Brokerage accounts Skip
SIPPs Skip

Savings accounts

Compare with other providers
Skip

Moneybox 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 Last checked Moneybox's own page

Cash ISAs

Compare with other providers
Skip

Moneybox 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 Last checked Moneybox's own page

Stocks & shares ISAs

Compare with other providers
Skip

The eligibility line is over 18, UK tax resident and not a US citizen, and the declaration makes you confirm you are not a US person as the IRS defines one. Worth knowing what you are missing: this ISA does offer individual US shares, which would have been the workable half for a US person, so here the citizenship bar is the whole story.

FSCS £85,000 investment cover · app only

Source: Moneybox ISA support pages and ISA declaration, 2026-08-17 Last checked Moneybox's own page

Brokerage accounts

Compare with other providers
Skip

Moneybox 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 Last checked Moneybox's own page

SIPPs

Compare with other providers
Skip

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 Last checked Moneybox'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

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

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

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

FBAR

If your foreign accounts top $10,000 combined at any point in the year, you file an FBAR. What counts, when it is due, and what happens if you miss it.