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US citizens in the UK · Institutions

Which NFU Mutual accounts accept US citizens

Last checked

NFU Mutual has been checked for US citizens, but none of the verdicts below is verified yet. Treat them as leads.

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

At a glance

Account Verdict Last checked
SIPPs Opens Not yet verified · last checked

SIPPs

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Opens
Not yet verified · last checked

A plain residence test and total silence on US citizenship: the key features say you can take one out if you are UK resident for tax, and the plan opens online without an adviser. Silence is not a written welcome, so this is published unverified. Ask before you transfer anything in.

NFU Mutual insured funds · open online without an adviser

Account Terms The catch
Select Pension Plan
Annual fee
0.50% on the first £25,000, tapering to 0.20% above £500,000, plus fund charges of about 0.84%
Dealing fee
None
Can hold
NFU Mutual unit-linked and with-profits funds, plus funds from selected providers. No direct shares.
Individual shares
No
 UK resident for tax and 18 or over. From £50 a month or £1,000 as a lump sum, with transfers in from £5,000.

Source: NFU Mutual Select Pension Plan key features, 2026-08-17 NFU Mutual'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

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.

 Tax

US-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.

 Tax

Form 3520

A UK pension held in trust can be a foreign trust to the IRS. Rev. Proc. 2020-17 exempts qualifying retirement trusts from Forms 3520 and 3520-A, on conditions.