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US citizens in the UK · Institutions

Which Prudential UK accounts accept US citizens

Last checked

Prudential UK offers a pension to a US person, with strings.

If you already have an account with Prudential UK, a second one there is usually the easier application, because Prudential UK 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 With strings

SIPPs

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With strings

US persons: only through a financial adviser

Prudential sets a residence test and never mentions US persons at all: you may apply if you are resident in the UK, or a crown servant serving abroad. The gate is distribution rather than your passport, since it is available only through a financial adviser, and new contributions can only be paid while you remain UK resident.

FSCS £85,000 · PruFund and guaranteed income holdings protected in full · adviser sold

Account Terms The catch
Prudential Retirement Account
Annual fee
0.30% a year below £100,000, tapering to 0.10% above £1,000,000, plus fund charges from about 0.65% on PruFund
Can hold
PruFund and other insured funds, hundreds of collective funds, and direct shares through Stocktrade.
Individual shares
Yes
 Resident in the UK, or a crown servant serving overseas. Adviser only.

Source: Prudential Retirement Account terms and key features, 2026-08-17 Last checked Prudential UK'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.