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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, but none of the verdicts below is verified yet. Treat them as leads.

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 checked.

At a glance

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

SIPPs

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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

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.