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US citizens in the UK · Institutions

Which Scottish Widows accounts accept US citizens

Last checked

Scottish Widows has been checked for US citizens across 5 account types. All 5 are closed to a US person.

At a glance

Account type Verdict Accounts Updated
Stocks & shares ISAs iWeb (now Scottish Widows Share Dealing) Declines US citizens —
Brokerage accounts iWeb (now Scottish Widows Share Dealing) Declines US citizens —
SIPPs Declines US citizens —
Junior stocks & shares ISAs Declines US citizens —
Junior SIPPs Declines US citizens —

Stocks & shares ISAs

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iWeb (now Scottish Widows Share Dealing)

Declines US citizens
Updated

iWeb is now Scottish Widows Share Dealing, and it states the bar on the apply page as well as in the contract: you must live in the UK and not be a US citizen or taxpayer. Its pricing is much the cheapest of the three Lloyds brands, at no annual fee and £5 a trade, which makes the refusal more annoying rather than less.

FSCS £85,000 · Halifax Share Dealing trading as Scottish Widows Share Dealing

Source: Scottish Widows Share Dealing ISA apply page and terms, 2026-08-17 iWeb (now Scottish Widows Share Dealing)'s own page

Brokerage accounts

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iWeb (now Scottish Widows Share Dealing)

Declines US citizens
Updated

Worth knowing that iWeb is no longer called iWeb. It is now the Scottish Widows Share Dealing Account, run by the same Lloyds business as Halifax, and it carries the same bar: the application criteria require that you are not a US citizen or US taxpayer.

FSCS £85,000 investment cover · online only

Source: Scottish Widows Share Dealing Account application criteria and terms, 2026-08-17 iWeb (now Scottish Widows Share Dealing)'s own page

SIPPs

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Declines US citizens
Updated

Both of its retail pensions refuse you in writing. The SIPP application requires that you are not a US person, and the ready-made pension goes further by naming the Internal Revenue Service definition, which is a citizenship test rather than a residence one. Worth knowing because Scottish Widows sells direct and looks like an easy route in.

FSCS £85,000 investment cover · runs on Embark and Halifax Share Dealing rather than an insured balance sheet

Source: Scottish Widows SIPP application and ready-made pension key features, 2026-08-17 Scottish Widows's own page

Junior stocks & shares ISAs

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Declines US citizens
Updated

Scottish Widows does not sell a Junior ISA on its direct retail site; the only one is the Junior ISA on Scottish Widows Platform, and unless otherwise agreed it is only available through a financial adviser. The Platform's own terms bar the registered contact from opening a Junior ISA if they are a US person, so a US citizen parent is refused even though the child is the account holder.

Source: Scottish Widows Platform Terms and Conditions, clause 1.3, and Junior ISA key features, 2026-09-11 Scottish Widows's own page

Junior SIPPs

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Declines US citizens
Updated

The Junior Personal Pension sits on the same adviser-only Scottish Widows Platform as the Junior ISA and is caught by the same clause: the registered contact (the parent or guardian) cannot be a US person, even though the child is the account holder.

Source: Scottish Widows Platform Terms and Conditions, clause 1.3, and Junior Personal Pension product page, 2026-09-11 Scottish Widows's own page

Account names link to the provider's own site. No link on this page is paid. How Momo makes money. 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 .
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