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US citizens in the UK · Institutions

Which RBC Brewin Dolphin accounts accept US citizens

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RBC Brewin Dolphin has been checked for US citizens across 3 account types. All 3 are closed to a US person.

At a glance

Account Verdict Last checked
Stocks & shares ISAs Skip
Brokerage accounts Skip
SIPPs Skip

Stocks & shares ISAs

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The exclusion is firm-wide and the ISA sits inside it: the client terms say it may not provide services if you are or become a US person, defined as any citizen or resident of the States, and the ISA terms are a section of that same document.

FSCS £85,000 investment cover · US persons excluded firm-wide

Source: RBC Europe retail client terms, clause 121, 2026-08-17 Last checked RBC Brewin Dolphin's own page

Brokerage accounts

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The client terms say it may not provide services if you are or become a US person, and reserve the right to withdraw them if you become one, with US person defined to include any citizen or resident of the States. The site disclaimer adds that no offer is made to any US person.

FSCS £85,000 investment cover · US persons excluded by the client terms

Source: RBC Europe Limited retail client terms, clause 121, 2026-08-17 Last checked RBC Brewin Dolphin's own page

SIPPs

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It manages portfolios inside third party pensions, and the same clause bars US citizens from every service its terms cover, wealth management and discretionary management included. Its website disclaimer repeats that US persons are excluded from the products offered.

FSCS £85,000 investment cover · US persons excluded firm-wide · SIPP provided by a third party

Source: RBC Europe retail client terms, clause 121, 2026-08-17 Last checked RBC Brewin Dolphin's own page

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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.