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US citizens in the UK · Institutions

Which Royal London accounts accept US citizens

Last checked

Royal London offers a pension to a US person, with strings.

If you already have an account with Royal London, a second one there is usually the easier application, because Royal London 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

Compare with other providers
With strings

US persons: only through a financial adviser, though the gate is distribution rather than your citizenship

Royal London chooses to sell personal pensions only through advisers, so there is no direct route in. Its own guidance to those advisers says most providers can accept US citizens who are relevant UK individuals living in the UK, and its plan terms set only a residence test.

FSCS 100% for Royal London funds, £85,000 for external ones · adviser sold

Account Terms The catch
Pension Portfolio
Dealing fee
None, it is a fund-based pension
Can hold
Governed Portfolios and around 170 funds from Royal London and external managers. Pooled funds, with no retail direct-share option.
 The annual charge is tiered and falls as the pot grows, but Royal London publishes no headline figure to consumers. Adviser fees are agreed separately and sit on top.

Source: Royal London plan terms and adviser technical guidance, 2026-08-17 Last checked Royal London'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.