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US citizens in the UK · Institutions

Which Rowanmoor accounts accept US citizens

Last checked

Rowanmoor has no pension you can open yourself, whatever your nationality.

At a glance

Account Verdict Last checked
SIPPs Not offered

SIPPs

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Not offered

Rowanmoor no longer exists as a provider. Its personal pensions business entered administration and the administrators sold all customer SIPPs to Alltrust in March 2023, which is why Alltrust still administers a Rowanmoor plan. Its own website no longer resolves.

No longer a provider · book sold to Alltrust in March 2023

Source: FCA news story on Rowanmoor Personal Pensions entering administration, read 2026-08-17 Last checked Rowanmoor'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

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.