Which Wealthify accounts accept US citizens
Last checkedWealthify has been checked for US citizens across 5 account types. 4 are closed to a US person and 1 is not on offer, whatever your nationality.
At a glance
| Account type | Verdict | Accounts | Updated |
|---|---|---|---|
| Stocks & shares ISAs | Declines US citizens | — | |
| Brokerage accounts | Declines US citizens | — | |
| SIPPs | Declines US citizens | — | |
| Junior stocks & shares ISAs | Declines US citizens | — | |
| Junior SIPPs | Not offered | — |
Brokerage accounts
Compare with other providersThe 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 (opens in a new tab) Wealthify's own page (opens in a new tab)
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 (opens in a new tab) Wealthify's own page (opens in a new tab)
Junior SIPPs
Compare with other providersWealthify sells a Personal Pension (SIPP) but nothing for children: its pension FAQs and terms address only a personal contributor claiming their own tax relief, with no junior or child pension product on the site. The general eligibility bar on US passport holders would in any case catch the parent who would have to open it.
Source: Wealthify Managed Personal Pension (SIPP) page FAQs and terms and conditions clause 2.1, 2026-09-11 (opens in a new tab) Wealthify'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
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.
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.
TaxUS-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.
TaxSaving for a child
How the US taxes a Junior ISA, a junior pension and a Child Trust Fund held by a US citizen child in the UK, and how a 529 plan compares.