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US citizens in the UK · Institutions

Which Sidekick accounts accept US citizens

Last checked

Sidekick has been checked for US citizens across 2 account types. Both are open to a US person (both with strings).

If you already have an account with Sidekick, a second one there is usually the easier application, because Sidekick has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
Stocks & shares ISAs Accepts with conditions 1
Brokerage accounts Accepts with conditions 2

Stocks & shares ISAs

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Accepts with conditions
Updated

US persons: nothing published about US persons, but the ISA shelf holds only two funds

The only provider in this group whose documents never mention America, setting a residence test alone. The catch is the shelf rather than the door, and it is the exact inverse of Sidekick's taxable account: the ISA offers two UCITS ETFs and nothing else, so an open wrapper still leaves a US person with only PFICs to buy. Its directly held index, the thing that made the taxable account interesting, is not available inside the ISA.

FSCS £85,000 · app only · custody through a US firm

Account Terms The catch
Stocks and Shares ISA
Annual fee
0.25% a year on core holdings, 0.50% on personalised ones
Dealing fee
None to execute, hold or convert currency
Can hold
Two holdings only: a global shares UCITS ETF and a global bond UCITS ETF. Both are PFICs for US tax, and the directly held index is general account only.
Individual shares
No
US-domiciled ETFs
No
 Platform fees are waived under £3,000, and it is currently running no platform fee on the ISA for six months.

Source: Sidekick investment management agreement and help centre, 2026-08-17 Sidekick's own page

Brokerage accounts

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Accepts with conditions
Updated

US persons: no published US bar, but execution and custody sit with a US firm

The most interesting product on this page for a US person, for a structural reason: its Custom Index holds the individual company shares that make up the index rather than units in a fund, so an S&P 500 style portfolio arrives as real US shares and never becomes a PFIC. Its client agreement also tests where you live rather than what passport you hold, with no US person clause anywhere. Two things to settle before you move money. Acceptance is read from that silence rather than from a policy. And execution and custody run through DriveWealth in the US, which for Stake, using the same custodian, meant SIPC cover rather than the FSCS, so ask which scheme protects you here.

Custody with DriveWealth LLC in the US · app only · confirm which compensation scheme applies

Account Terms The catch
Custom Index
Annual fee
0.50% a year including VAT
Dealing fee
None to execute or hold, with about 0.10% of market spread passed through
Can hold
The individual US company shares that make up a rules based index you can tilt or exclude from, held directly. This is the rare UK product where index exposure does not arrive as a PFIC.
Individual shares
Yes
US-domiciled ETFs
No
 No currency conversion fee at all. Minimum first investment of £1,000, and US regulatory fees are passed through on sales.
Core and ready-made portfolios
Annual fee
0.25% on core holdings, 0.50% on personalised ones
Dealing fee
None to execute or hold
Can hold
Ready-made and themed ETF portfolios plus managed strategies. This is the pooled side of the platform, so these are PFICs for US tax.
Individual shares
No
US-domiciled ETFs
No
 No currency conversion fee. Fund charges are levied by the ETF provider on top.

Source: Sidekick investment management agreement and fee schedule, 2026-08-17 Sidekick'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 .
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.