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US citizens in the UK · Institutions

Which Wealthify accounts accept US citizens

Last checked

Wealthify 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 contract bars US passport holders, and the public FAQ puts it wider still, saying US citizens and anyone paying tax to the US cannot invest with Wealthify. A later clause lets it terminate if you stop meeting the conditions after opening, and it offers managed plans only, so there are no individual shares here either.

FSCS £85,000 investment cover · app and web

Source: Wealthify investment terms clause 2.1, June 2025, read 2026-08-17 Last checked Wealthify's own page

Brokerage accounts

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The general account test starts as residence, being over 18 and living in the UK or the Channel Islands, and then adds a nationality test in the same breath: you must not be a US passport holder. A later clause lets Wealthify end the agreement if you stop meeting those conditions after opening.

FSCS £85,000 investment cover · app and web

Source: Wealthify investment terms clause 2.1, June 2025, read 2026-08-17 Last checked Wealthify's own page

SIPPs

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Another bar that sits outside the contract. Wealthify's pension terms ask only that you are 18 or over and resident in the UK for tax, while its FAQ says it cannot accept US citizens because of US tax reporting rules, covering anyone holding a US passport or owing US tax. The FAQ is what shuts the door, on the pension and the ISA alike.

FSCS £85,000 · administered by Embark · app and web

Source: Wealthify account FAQs, 2026-08-17 Last checked Wealthify'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.