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US citizens in the UK · Institutions

Which Quilter Cheviot accounts accept US citizens

Last checked

Quilter Cheviot offers a stocks and shares ISA to a US person, with strings. Also listed below, not yet verified: a general investment account and a pension.

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

Some verdicts below are not yet verified and are marked as such; treat those as leads until confirmed. They are kept out of this page's structured data until a person has checked them.

At a glance

Account Verdict Last checked
Stocks & shares ISAs With strings
Brokerage accounts With strings Not yet verified · last checked
SIPPs With strings Not yet verified · last checked

Stocks & shares ISAs

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With strings

US persons: a £250,000 minimum, and expect to be asked for a W-9

Stronger than silence, and worth knowing because so few firms say anything. Quilter Cheviot is itself the approved manager of its stocks and shares ISA, its ISA declaration is the standard statutory residence test with no US carve-out, and its application form asks whether you are a US citizen, passport or green card holder and then routes a yes to an IRS Form W-9 rather than to a refusal. That is an onboarding step, not an exclusion. It publishes no US-aware investment service though, so ask how PFICs would be avoided.

FSCS £85,000 investment cover · minimum portfolio £250,000

Account Terms The catch
Discretionary Portfolio Service inside an ISA
Can hold
Discretionary multi-asset portfolios, with no published US-compliant variant, so ask how PFICs would be avoided.
Individual shares
Yes
US-domiciled ETFs
No
 No headline rate is published. The service is described as being for people investing more than £250,000.

Source: Quilter Cheviot UK client terms, annex 1, 2026-08-17 Last checked Quilter Cheviot's own page

Brokerage accounts

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With strings
Not yet verified · last checked

US persons: no published US service, and a £250,000 discretionary minimum

Its client terms carry no US person exclusion, and its own FATCA guidance treats a US citizen as a client to identify and report to HMRC rather than one to refuse, which is a meaningful difference. But it publishes no US service and no statement that it accepts US citizens, so treat this as unconfirmed until you ask.

FSCS £85,000 investment cover · minimum portfolio £250,000 · discretionary only

Account Terms The catch
Discretionary Portfolio Service
Can hold
Bespoke portfolios of direct shares, bonds and funds. Whether the funds could be kept out of a US person's portfolio is exactly what to ask about.
Individual shares
Yes
 No percentages are published; the fee is quarterly and calculated on portfolio value, covering management, custody and reporting. Minimum £250,000, currency conversion 0.75%, discretionary only.

Source: Quilter Cheviot client terms and FATCA guidance, 2026-08-17 Quilter Cheviot's own page

SIPPs

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With strings
Not yet verified · last checked

US persons: nothing published about US persons, and a £250,000 minimum

Quilter Cheviot has no pension of its own and manages money inside somebody else's, listing dozens of third party SIPP providers it works with. Its private client application routes a US citizen to a W-9 rather than a refusal, but the SIPP version of that form carries the same question without the W-9 route, which it does not explain. Treat the pension as unconfirmed even though the ISA looks accommodating.

FSCS £85,000 · minimum portfolio £250,000 · the SIPP itself comes from a third party

Account Terms The catch
Pension investment management inside a SIPP
Can hold
Discretionary multi-asset portfolios, with no published US-compliant variant.
Individual shares
Yes
US-domiciled ETFs
No
 No headline rate is published, and the SIPP provider sets its own administration charge on top.

Source: Quilter Cheviot pension investment management pages, 2026-08-17 Quilter Cheviot'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

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

ISA US tax

The IRS does not recognise the ISA wrapper. Cash ISA interest and stocks ISA gains are taxable on your US return, and fund holdings drag in PFIC rules.

 Tax

FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.

 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.