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US citizens in the UK · Institutions

Which Redmayne Bentley accounts accept US citizens

Last checked

Redmayne Bentley has been checked for US citizens across 3 account types. All 3 are closed to a US person.

At a glance

Account type Verdict Accounts Updated
Stocks & shares ISAs Declines US citizens —
Brokerage accounts Declines US citizens —
SIPPs Declines US citizens —

Stocks & shares ISAs

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Declines US citizens
Updated

The refusal reaches the ISA directly. Its own application and transfer form makes you declare that you are not a United States person as FATCA defines one, nor a Canadian resident, which is a declaration a US citizen cannot sign.

FSCS £85,000 investment cover · US persons refused at application

Source: Redmayne Bentley ISA application and transfer form, 2026-08-17 Redmayne Bentley's own page

Brokerage accounts

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Declines US citizens
Updated

Its own forms require you to confirm that you are not a United States person as FATCA defines one, nor a Canadian resident, and state that the application cannot proceed if the box is not ticked. The account opening page adds that the process is for UK residents only.

FSCS £85,000 investment cover · US persons refused at application

Source: Redmayne Bentley portfolio authorisation form and account opening pages, 2026-08-17 Redmayne Bentley's own page

SIPPs

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Declines US citizens
Updated

The pension closes on the same terms as the ISA. Its SIPP portfolio form carries the identical FATCA declaration, and its managed portfolio terms add that it is not registered to do business with US persons.

FSCS £85,000 investment cover · US persons refused at application

Source: Redmayne Bentley SIPP portfolio form and managed portfolio terms, 2026-08-17 Redmayne Bentley'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

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

SIPP US tax

The US Treasury reads the treaty as leaving UK SIPP growth untaxed until drawn; the treaty's wording is narrower. Contributions, growth and drawdown explained.