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US citizens in the UK · Institutions

Which PensionBee accounts accept US citizens

Last checked

PensionBee has been checked for US citizens across 3 account types. 1 is open to a US person (with strings) and 2 are not on offer, whatever your nationality.

If you already have an account with PensionBee, a second one there is usually the easier application, because PensionBee 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
SIPPs Accepts with conditions 2
Junior stocks & shares ISAs Not offered —
Junior SIPPs Not offered —

SIPPs

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Accepts with conditions
Updated

US persons: nothing published about US persons either way, so ask before applying

PensionBee sets one eligibility test, that you are 18 or over, and its terms carry no citizenship bar and no FATCA clause. That is an absence rather than a policy: it has never said it accepts US persons, so ask before you transfer a pension in.

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Account Terms The catch
Global Leaders Plan
Annual fee
0.70% a year
Dealing fee
None, it is a managed portfolio
Can hold
One ready-made BlackRock fund holding around 1,000 large listed companies. A pooled fund rather than direct shares.
 Halves to 0.35% above £100,000. Closing in full inside the first year costs £150.
4Plus Plan
Annual fee
0.85% a year
Dealing fee
None, it is a managed portfolio
Can hold
One actively managed State Street multi-asset fund, roughly 77% shares. Pooled, not direct holdings.
 Halves to 0.425% above £100,000. Closing in full inside the first year costs £150.

Source: PensionBee terms and conditions, read 2026-08-17 PensionBee's own page

Junior stocks & shares ISAs

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Not offered
Updated

PensionBee sells no ISA of any kind, junior or adult. It is a pension consolidation and drawdown business only; its "savings and investments" section is an educational blog hub, including an article titled "What is a Junior ISA?", but the site's actual products are Combine, Contribute, Withdraw, pension drawdown, pension annuity and its pension plans.

Source: PensionBee savings and investments hub and site navigation, 2026-09-11 PensionBee's own page

Junior SIPPs

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Not offered
Updated

PensionBee sells no pension for children: its plans require the holder to be 18 or over, and there is no junior or child pension product on the site.

Source: PensionBee terms and conditions, 2026-09-11 PensionBee'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

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.

 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

Saving for a child

How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.

 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.