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US citizens in the UK · Institutions

Which Vanguard UK accounts accept US citizens

Last checked

Vanguard UK has been checked for US citizens across 3 account types. All 3 are closed to a US person.

At a glance

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

Stocks & shares ISAs

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The accounts and the funds are both closed to US persons, defined to include any US citizen and any US passport holder wherever they live. Even without the bar this platform sells only Vanguard funds, so there would be no individual shares to fall back on.

FSCS £85,000 investment cover · online and app

Source: Vanguard UK client terms, clause 1.3.3, August 2026 Last checked Vanguard UK's own page

Brokerage accounts

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The terms say the accounts and funds are not available to US persons, and define one to include any US citizen and any US passport holder whatever their residence. The help pages repeat it in plain words.

FSCS £85,000 investment cover · online and app

Source: Vanguard UK client terms, August 2026 Last checked Vanguard UK's own page

SIPPs

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The terms say the accounts and funds are not available to US persons, defined to include any US citizen and any US passport holder whatever their residence. The help pages say the same in plain words.

FSCS £85,000 investment cover · online and app

Source: Vanguard UK client terms, August 2026 Last checked Vanguard UK'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

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

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

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.