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US citizens in the UK · Institutions

Which Trading 212 accounts accept US citizens

Last checked

Trading 212 has been checked for US citizens across 5 account types. All 5 are closed to a US person.

At a glance

Account Verdict Last checked
Savings accounts Skip
Cash ISAs Skip
Stocks & shares ISAs Skip
Brokerage accounts Skip
SIPPs Skip

Savings accounts

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Trading 212 does not offer accounts to US persons, defined to include US citizens, people born in the US, green-card holders and anyone with US tax obligations, and asks you to confirm this at sign-up.

Source: Trading 212 help centre, 2026-08-17 Last checked Trading 212's own page

Cash ISAs

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Trading 212 opens no accounts for US persons, so its cash ISA is closed to you unless you can show you have renounced US citizenship. The IRS taxes the interest as US income in any case.

Source: Trading 212 Help Centre, 2026-08-09 Last checked Trading 212's own page

Stocks & shares ISAs

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Trading 212 does not offer accounts to US persons, and defines those to include US citizens, anyone born in the US, green card holders and anyone with US tax obligations. The only way back in it names is a certificate of loss of nationality.

FSCS £85,000 investment cover · app and web

Source: Trading 212 help centre, confirming tax details at account setup, 2026-08-17 Last checked Trading 212's own page

Brokerage accounts

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The Invest account is the one outside a wrapper, and the bar is set at platform level rather than per product. Trading 212 does not offer accounts to US persons, and defines those to include US citizens, anyone born in the States, green card holders and anyone with US tax obligations.

FSCS £85,000 investment cover · app and web

Source: Trading 212 help centre, identity and tax details at setup, 2026-08-17 Last checked Trading 212's own page

SIPPs

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The SIPP is live and free of charge, and closed to you. Trading 212 does not offer accounts to US persons, defined to include US citizens, anyone born in the States, green card holders and anyone with US tax obligations, and that is written at account level so the pension falls with the ISA. The only exception it names is a certificate of loss of nationality.

FSCS £85,000 investment cover · app and web

Source: Trading 212 help centre, account setup, 2026-08-17 Last checked Trading 212'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

FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.

 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

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

FBAR

If your foreign accounts top $10,000 combined at any point in the year, you file an FBAR. What counts, when it is due, and what happens if you miss it.