Which Trading 212 accounts accept US citizens
Last checkedTrading 212 has been checked for US citizens across 7 account types. 5 are closed to a US person and 2 are not on offer, whatever your nationality.
At a glance
| Account type | Verdict | Accounts | Updated |
|---|---|---|---|
| Savings accounts | Declines US citizens | — | |
| Cash ISAs | Declines US citizens | — | |
| Stocks & shares ISAs | Declines US citizens | — | |
| Brokerage accounts | Declines US citizens | — | |
| SIPPs | Declines US citizens | — | |
| Junior stocks & shares ISAs | Not offered | — | |
| Junior SIPPs | Not offered | — |
Savings accounts
Compare with other providersTrading 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 Trading 212's own page (opens in a new tab)
Cash ISAs
Compare with other providersTrading 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 Trading 212's own page (opens in a new tab)
Brokerage accounts
Compare with other providersThe 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 (opens in a new tab) Trading 212's own page (opens in a new tab)
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 (opens in a new tab) Trading 212's own page (opens in a new tab)
Junior SIPPs
Compare with other providersTrading 212 sells no pension for children: its SIPP requires the account holder to be 18 or older, and the same article bars US persons from the SIPP outright, worded as a general rule about UK providers rather than one specific to Trading 212.
Source: Trading 212 help centre, "What is a SIPP Account?", 2026-09-11 (opens in a new tab) Trading 212's own page (opens in a new tab)
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.
Why this is the rule
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.
TaxPFIC
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.
TaxISA 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.
TaxSIPP US tax
The US Treasury reads the treaty as leaving UK SIPP growth untaxed until drawn; the treaty's wording is narrower. Contributions, growth and drawdown explained.