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US citizens in the UK · Institutions

Which Talbot and Muir accounts accept US citizens

Last checked

Talbot and Muir has been checked for US citizens, but none of the verdicts below is verified yet. Treat them as leads.

If you already have an account with Talbot and Muir, a second one there is usually the easier application, because Talbot and Muir 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 Not yet verified · last checked

SIPPs

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With strings
Not yet verified · last checked

US persons: only through a regulated adviser, and it has never said whether it takes US persons

The application form says Talbot and Muir only opens a SIPP for people advised to do so by an FCA regulated adviser, so there is no direct route in. It publishes nothing about US citizens, so your adviser will need to confirm acceptance before you apply.

FSCS £85,000 investment cover · adviser introduced

Account Terms The catch
The Talbot and Muir SIPP
Annual fee
£310 a year at level one or £400 at level two, plus £150 to set up on paper. All plus VAT
Dealing fee
Nothing from Talbot and Muir; £20 to set up or vary a standing order, capped at £200 a year
Can hold
Cash and deposits, shares, government and corporate bonds, regulated funds, investment trusts, exchange traded commodities and UK commercial property. Unlisted securities and cryptocurrency are rejected automatically.
 Adviser introduced only. Property adds £1,075 to £1,250 a year.

Source: Talbot and Muir SIPP application form, 2026-08-17 Talbot and Muir'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.