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US citizens in the UK · Institutions

Which Plum accounts accept US citizens

Last checked

Plum has been checked for US citizens across 5 account types. 3 are closed to a US person and 2 are not on offer, whatever your nationality.

At a glance

Account type Verdict Accounts Updated
Savings accounts Declines US citizens —
Stocks & shares ISAs Declines US citizens —
Brokerage accounts Declines US citizens —
Junior stocks & shares ISAs Not offered —
Junior SIPPs Not offered —

Savings accounts

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Declines US citizens
Updated

Plum's terms say you must not be a US citizen, resident or green-card holder, and must not be subject to US taxation; that eligibility clause governs every Plum product.

Source: Plum general terms, clause 4.3.3, 2026-08-17 Plum's own page

Stocks & shares ISAs

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Declines US citizens
Updated

Barred twice over. The general terms say you must not be a US citizen, resident or green card holder, and the ISA section says you may not open one as a US person and must tell Plum if you become one, at which point it will require you to close it. The ISA holds only mutual funds in any case.

FSCS £85,000 investment cover · app only

Source: Plum general terms and ISA section, 2026-08-17 Plum's own page

Brokerage accounts

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Declines US citizens
Updated

The account declaration you sign says you are not a US person as the IRS defines one, so the door shuts on citizenship rather than residence. Plum's help centre is blunter still, saying American citizens, including those with dual citizenship, cannot use the funds feature in the app.

FSCS £85,000 investment cover · app only

Source: Plum key feature documents and help centre, 2026-08-17 Plum's own page

Junior stocks & shares ISAs

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Not offered
Updated

Plum sells no Junior ISA. Its site navigation lists a Cash ISA, a Lifetime ISA, an investments product and a pension, with no junior product among them. Even if one existed, the general Plum terms bar any US Person from a GIA/ISA Platform Product outright.

Source: Plum site navigation and Plum terms and conditions clause on GIA/ISA Platform Products, 2026-09-11 Plum's own page

Junior SIPPs

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Not offered
Updated

Plum sells one pension, its SIPP, with no junior or child version; the site navigation lists only a single "pension" product. That SIPP is in any case closed to US Persons by its own terms.

Source: Plum site navigation and Plum terms and conditions clause on the Plum SIPP, 2026-09-11 Plum'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

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

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.

 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

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.