Momo
US citizens in the UK

SIPPs that accept US citizens

Momo checked 58 providers. 52 offer a pension; 6 no longer do. Of those 52, 5 will take you outright and 27 attach conditions. 20 refuse. Last checked .

A pension is the one UK account that works properly for a US citizen, and far more providers open one than the internet suggests. One runs pensions in dollars and works with managers who understand your tax position.

A SIPP, a self-invested personal pension, is a UK pension you direct yourself. It matters more than any other account on this site because of how the US treats it. An ISA is invisible to the US-UK tax treaty, so the IRS taxes what grows inside it as though the wrapper were not there. A pension is different: the treaty has an article for it, and the US Treasury reads that article as leaving growth in a UK pension untaxed by the US until it is drawn, which is why the same money can be worth keeping in a pension and not worth keeping in an ISA.

The providers built for this

IPM Personal Pensions is the clearest answer here and names you outright, listing Americans working in the UK with UK pension funds among the people it serves. It runs SIPPs in dollars as well as sterling, and works with investment managers regulated on both sides who understand the PFIC problem that ordinary UK funds create. Its one condition is a sensible one rather than an obstacle: it will not act for a US client without a US tax adviser of your own appointed alongside.

Dentons publishes a page specifically for US clients and takes direct applications from £50,000. Curtis Banks names US citizens resident in the UK in its own paperwork, though only on paper, only through a UK regulated adviser, and only funded by transfers, so no new contributions. Canaccord Wealth, which manages money rather than administering pensions, names UK pensions among the things a US expat can use, and it says plainly that it does not turn US citizens away. Westerby will consider you at its discretion and, unusually for a full SIPP house, will deal with you without an adviser.

Where the refusals actually are

Not with the insurers as a group, which is worth correcting because it is easy to assume. Aviva and Standard Life set residence tests with no mention of citizenship, and NFU Mutual sets one too. Scottish Widows, Aegon and LV= each bar US citizens in writing. Same category, opposite answers, so the question has to be asked firm by firm.

The consistent refusals are the consumer investment platforms. Vanguard, Fidelity, Bestinvest, Interactive Investor, Freetrade, Nutmeg, Moneyfarm, Trading 212, InvestEngine, Moneybox, Wealthify and Willis Owen all bar US persons. Several go further than refusing you at the door: Fidelity and Nutmeg both reserve the right to close an account if you become a US person later, which is the clause that bites someone who naturalises years after opening.

AJ Bell is the reason to ask about the product rather than the firm. Its SIPP terms exclude one nationality and it is Canadian, while the same document bars US citizens from its ISA and dealing account. Dodl, its sister brand, repeats the split exactly. NatWest is the mirror image: its ISA sets only a residence test while its pension page says you cannot contribute if you are a US citizen or green card holder.

Two things to read carefully before you trust a no

"US person" is not one definition, and firms rarely tell you which one they mean. Scottish Widows and Fidelity use the Internal Revenue Service meaning, which turns on citizenship and certainly catches you. Legal and General and Penfold both refuse US persons and then define the term by residence, so a US citizen living in Britain is arguably outside it. Hargreaves Lansdown's fund restriction works the same way. If a provider you want says no, it is worth asking which definition it is using.

And the bar is not always in the contract. Wealthify's pension terms ask only that you are 18 and UK resident, while its FAQ says it cannot accept US citizens. InvestEngine's client terms contain no US test at all and its help centre states one. Moneyfarm is the same. Reading the terms and concluding you are eligible is a mistake this page exists to save you from making.

How far the treaty reaches depends on your own circumstances rather than on which provider you pick: relief on contributions comes only through a UK employer, and a lump sum is taxable in the US. Read how the US taxes your UK SIPP and the treaty and its saving clause before you move a pension anywhere.

The pensions you can open

A pension is the one kind of UK saving the US-UK treaty has an article for, and the US Treasury reads that article as leaving what grows inside untaxed by the US until it is drawn, where a stocks and shares ISA is taxed year by year. That makes the last column the important one. Opening the account is the easy half; what you are allowed to hold inside it decides whether it is worth having.

Annual fee is shown as each provider charges it. Percentage charges and flat fees sort separately because they are not the same measurement: a percentage grows with your pot and a flat fee does not, so above a certain balance the flat fee wins.

You can open these yourself

Apply direct, online or on paper, with no adviser standing between you and the account.

What you can hold as a US person The catch
AJ Bell FSCS £85,000 investment cover · online and app Updated Source: AJ Bell terms and conditions, 2026-08-17 AJ Bell SIPP 0.25% a year on funds to £250,000, then 0.10% to £500,000 and nothing above. Shares 0.25% capped at £10 a month £5.00 a share deal, £3.50 after 10 deals the previous month, £1.50 a fund deal, plus an FX charge on overseas shares Individual UK, US and European shares and investment trusts, plus UK funds and UCITS ETFs. The funds and UCITS ETFs are PFICs for US tax; US-domiciled ETFs cannot be bought here because they carry no UK key information document. Only the share charge is capped, so a large fund holding pays 0.25% all the way to £250,000.
Aviva FSCS £85,000 for nominee holdings, 100% for insured funds · app and web Updated Source: Aviva Pension terms and conditions, 2026-08-17 Aviva Pension 0.35% a year on the first £500,000, nothing above £4.99 a trade in shares, ETFs and investment trusts Direct shares, ETFs and investment trusts alongside more than 5,000 funds. The direct-share route is what lets a US person hold individual companies rather than pooled funds. From £25 a month. Fund manager charges sit on top. Moving to the US restricts you to insured funds and cash.
Canaccord Wealth FSCS £85,000 investment cover · typically from £100,000 Updated Source: Canaccord Wealth, what US expats can invest in, 2026-08-17 Discretionary management inside a SIPP 0.25% a year on its US portfolios, or unpublished on bespoke management — Its published US portfolio holdings show the method rather than describing it: US-domiciled ETFs for the equities, including S&P 500, global quality and sector funds, paired with directly held UK gilts for the fixed interest. No UK pooled funds anywhere, which is what avoiding PFICs actually looks like. Its US managed portfolios publish real numbers, unusually for this end of the market: 0.25% management and 0.45% to 0.59% all in, against a 1.00% standard rate. Bespoke management publishes nothing and is priced per client. Canaccord does not say whether the US portfolios can be held inside this wrapper, so ask, and note they are routed through intermediaries rather than sold direct.
Dentons Pensions FSCS £85,000 investment cover · apply direct or through an adviser Updated Source: Dentons US SIPP clients page, SIPP application forms and key features, 2026-09-25 Full asset SIPP £744 a year plus £350 to set up, both plus VAT Nothing from Dentons; your broker or platform charges its own Shares on the London Stock Exchange, AIM or any HMRC recognised overseas exchange, which puts US-listed stock in scope. Also ETFs, investment trusts, funds, REITs, gilts, gold and UK commercial property. No cryptocurrency. Minimum fund of £50,000. Dentons will not advise on whether an investment suits you, and says some US clients face restrictions depending on their tax status and the platform they pick.
Dentons Pensions FSCS £85,000 investment cover · apply direct or through an adviser Updated Source: Dentons US SIPP clients page, SIPP application forms and key features, 2026-09-25 Single portfolio SIPP £510 a year plus £350 to set up, both plus VAT Nothing from Dentons; £220 to switch portfolio or platform One portfolio or platform run by a manager on Dentons' approved list, holding standard assets only. No commercial property. Minimum fund of £50,000, and one portfolio only. Upgrading to the full asset SIPP later costs £200.
IPM Personal Pensions FSCS £85,000 investment cover · direct in some cases, usually adviser introduced Updated Source: IPM guidance on clients with a US connection, 2026-08-17 IPM SIPP £580 a year plus VAT, with nothing to set up Nothing from IPM; your stockbroker charges its own Shares and securities on a regulated venue, funds, investment trusts, REITs, gold and UK commercial property. Investments and benefits can be held and paid in currencies other than sterling, including dollars. An investment administrator must be appointed. Non-standard assets cost from £600 plus VAT. IPM says it will accept a non-advised client in some circumstances.
@sipp Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £85,000 investment cover · normally through an adviser; direct applications from £75,000 Updated Source: @sipp fee schedule effective 1 April 2026, product governance statement and terms, read 2026-09-14 Solo SIPP £268 a year with an adviser or £391 without, plus £216 to set up without an adviser, or with one £143 on paper and nothing online. All plus VAT Nothing from @sipp; your platform or broker charges its own One execution-only share dealing or fund platform, one discretionary manager, one insurance company investment plan, or one direct standard investment. No commercial property. Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
@sipp Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £85,000 investment cover · normally through an adviser; direct applications from £75,000 Updated Source: @sipp fee schedule effective 1 April 2026, product governance statement and terms, read 2026-09-14 Solo SIPP+ £391 a year with an adviser or £465 without for two investments, rising to £465 or £535 for three, plus £143 to set up with an adviser or £216 without. All plus VAT Nothing from @sipp; your platform or broker charges its own The same standard investments as the Solo SIPP, but up to three platforms, managers or plans. No commercial property. Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
@sipp Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £85,000 investment cover · normally through an adviser; direct applications from £75,000 Updated Source: @sipp fee schedule effective 1 April 2026, product governance statement and terms, read 2026-09-14 Collective SIPP £560 a year with or without an adviser, plus £216 to set up with an adviser or £287 without. All plus VAT Nothing from @sipp; your platform or broker charges its own Unlimited standard investments through share dealing accounts, fund platforms, discretionary managers or insurance company plans, or held directly. No commercial property. No cap on the number of arrangements. Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
@sipp Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £85,000 investment cover · normally through an adviser; direct applications from £75,000 Updated Source: @sipp fee schedule effective 1 April 2026, product governance statement and terms, read 2026-09-14 Full SIPP £888 a year with or without an adviser, plus £357 to set up with an adviser or £717 without. All plus VAT Nothing from @sipp; your platform or broker charges its own The full range of permitted investments, including commercial property and discretionary managers outside the UK. Non-standard assets cost £572 to buy and £717 a year each. Transfers in, contributions and standard dealing are free. Fees exclude VAT and normally rise each 1 January in line with average earnings. A direct application needs at least £75,000 and must be to use a discretionary manager or platform partner, or to buy commercial property.
Alltrust Accepts with conditions US persons: nothing published about US citizens, and a £50,000 minimum FSCS £85,000 · normally adviser introduced · from £50,000 on the Oasis SIPP, £100,000 otherwise Updated Source: Alltrust SIPP product and transactional fee schedules, June 2026, and key features, read 2026-09-14 Oasis SIPP £330 a year, plus £99 to set up online through an adviser, £300 on paper through one, or £315 on paper without one if Alltrust agrees first. All plus VAT £75 plus VAT for each further investment, then £50 plus VAT a year for each extra manager, platform or simple investment The SIPP cash account, the Platform One investment platform (which charges its own 0.15%), fixed deposits that can be broken within 30 days, and optionally a discretionary manager from Alltrust's list holding standard assets. No commercial property. Minimum £50,000 to open, with £1,000 kept in cash. Moving up to the full SIPP later is charged at the full SIPP fee. Without an adviser, Alltrust takes you only once you evidence its knowledgeable investor requirements, and the check costs £150 plus VAT.
Alltrust Accepts with conditions US persons: nothing published about US citizens, and a £50,000 minimum FSCS £85,000 · normally adviser introduced · from £50,000 on the Oasis SIPP, £100,000 otherwise Updated Source: Alltrust SIPP product and transactional fee schedules, June 2026, and key features, read 2026-09-14 Alltrust SIPP £650 a year, plus £99 to set up online through an adviser, £300 on paper through one, or £315 on paper without one if Alltrust agrees first. All plus VAT £75 plus VAT for each further investment, and £100 plus VAT a year to use a platform other than Alltrust's own Shares on any HMRC recognised exchange, AIM shares, investment-grade bonds, funds, ETFs, investment trusts, REITs, gold, UK commercial property and secured loans. US mutual funds are not permitted. Minimum £100,000 to open, though Alltrust will consider £50,000 where contributions continue, with £2,000 kept in cash, or £3,500 with property. Without an adviser, Alltrust takes you only once you evidence its knowledgeable investor requirements, and the check costs £150 plus VAT.
Alltrust Accepts with conditions US persons: nothing published about US citizens, and a £50,000 minimum FSCS £85,000 · normally adviser introduced · from £50,000 on the Oasis SIPP, £100,000 otherwise Updated Source: Alltrust SIPP product and transactional fee schedules, June 2026, and key features, read 2026-09-14 Sophisticated Investor SIPP £1,000 a year, plus £99 to set up online through an adviser, £300 on paper through one, or £315 on paper without one if Alltrust agrees first. All plus VAT £100 plus VAT a year to use a platform other than Alltrust's own The same range as the Alltrust SIPP, including commercial property, AIM shares, gold, REITs and secured lending. Minimum £100,000 to open, with £2,000 kept in cash, or £3,500 with property. Without an adviser, Alltrust takes you only once you evidence its knowledgeable investor requirements, and the check costs £150 plus VAT.
Alltrust Accepts with conditions US persons: nothing published about US citizens, and a £50,000 minimum FSCS £85,000 · normally adviser introduced · from £50,000 on the Oasis SIPP, £100,000 otherwise Updated Source: Alltrust SIPP product and transactional fee schedules, June 2026, and key features, read 2026-09-14 Group SIPP £825 a year for one member, or £750 plus £250 a member, plus £750 and £250 a member to set up. All plus VAT — One SIPP for a small group, normally family members or business partners. No minimum is published. Members without an adviser may face extra charges.
Barnett Waddingham Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £85,000 investment cover · apply direct or through an adviser Updated Source: Barnett Waddingham Flexible SIPP key features and application, 2026-08-17 Flexible SIPP £295 a year plus £200 to set up without an adviser. A further £525 a year if you use more than one panel provider. All plus VAT Nothing from Barnett Waddingham; £25 per cash transfer to a provider off its panel Securities on the London Stock Exchange, AIM or any HMRC recognised overseas exchange, ETFs, funds, investment trusts, REITs, gilts, gold and commercial property. Without an adviser you are limited to one panel discretionary manager, which narrows this a lot in practice. Unlikely to suit below £50,000, or below £100,000 for the wider investment range. Work charged by the hour runs from £128 to £327 plus VAT.
Charles Stanley Accepts with conditions US persons: nothing published about US persons either way FSCS £85,000 · SIPP wrapper fee £100 plus VAT, waived above £30,000 Updated Source: Charles Stanley SIPP page and online investing rates and charges, read 2026-09-14 Charles Stanley Direct SIPP 0.30% a year across all your accounts, minimum £60 and maximum £600, plus £100 plus VAT a year for the wrapper, waived if you hold over £30,000 £10 an online share trade and £4 a fund trade, with £50 of trading credits every six months. Bonds and gilts deal by phone only, at 1%, minimum £25 Direct shares, gilts, corporate bonds, funds and ETFs, with no published US-compliant portfolio. Setting up and transferring in are free, and no platform charge applies to Charles Stanley's own multi-asset funds. Taking benefits costs £150 plus VAT each time, and income drawdown £50 plus VAT a year.
Charles Stanley Accepts with conditions US persons: nothing published about US persons either way FSCS £85,000 · SIPP wrapper fee £100 plus VAT, waived above £30,000 Updated Source: Charles Stanley SIPP page and online investing rates and charges, read 2026-09-14 Charles Stanley Alpha SIPP £250 a year for the SIPP, with management charges set out in your proposal rather than published — A portfolio run by the Bespoke Investment Service or Advisory Investment Services, each from £200,000. Charles Stanley refers to a separate Alpha SIPP fees and charges sheet that it does not publish, so ask for it before committing.
Evelyn Partners Accepts with conditions US persons: it names UK pensions, but under a heading for clients living outside the UK FSCS £85,000 investment cover · SEC registered · fee tiers start on the first £250,000 Updated Source: Evelyn Partners USA service page and Form CRS (August 2026), 2026-09-15 Discretionary management inside a SIPP 1.25% a year on the first £250,000, being 1.05% management and 0.20% custody None, though overseas trades cost £50 each Directly held shares and bonds, with US funds and ETFs used in US-connected portfolios. The schedule prices the portfolio only; any SIPP administration charge is set by the pension provider.
Hargreaves Lansdown Accepts with conditions US persons: deal on a paper form rather than online, and a funds bar written against US residents FSCS £85,000 investment cover · online, app and phone Updated Source: HL terms and conditions and dealing pages, 2026-09-12 HL SIPP 0.35% a year on funds to £250,000, then 0.25% to £1,000,000, 0.10% to £2,000,000 and nothing above. Shares, trusts and ETFs 0.35% capped at £12.50 a month £6.95 a share deal, £3.95 after 20 deals the previous month, £1.95 a fund deal, free on monthly direct debit Individual UK, US and European shares and investment trusts. UK funds and UCITS ETFs are PFICs for US tax, and US-domiciled ETFs are unavailable for want of a UK key information document. The fund charge is uncapped, so a large fund holding pays the most here.
IG Accepts with conditions US persons: a Form W-9 on file, and no US-incorporated shares through the pension FSCS £85,000 · operated by Options UK Personal Pensions · £210 a year admin Updated Source: IG SIPP FAQs and US citizen guidance, 2026-08-17 Share Dealing SIPP £210 a year including VAT to the administrator, with no custody fee from IG No commission on shares, with 0.49% currency conversion Over 11,000 shares, ETFs and investment trusts, but not US-incorporated stock if you are a US citizen. The UCITS ETFs are PFICs; the non-US direct shares are not. You need £10,000 to start, by transfer or single contribution, or more than £1,000 a month.
IG Accepts with conditions US persons: a Form W-9 on file, and no US-incorporated shares through the pension FSCS £85,000 · operated by Options UK Personal Pensions · £210 a year admin Updated Source: IG SIPP FAQs and US citizen guidance, 2026-08-17 Smart Portfolio SIPP £210 a year to the administrator plus 0.50% capped at £250, plus ETF costs None, with rebalancing included One of five managed iShares ETF portfolios. All pooled, so all PFICs. The 0.50% applies to the first £50,000 only. Same £10,000 minimum.
InvestAcc Accepts with conditions US persons: nothing published about US persons, but you must be living in the UK to apply FSCS £85,000 investment cover · apply direct or through an adviser · UK resident and living in the UK at application Updated Source: InvestAcc schedules of fees, June 2025, and its SIPP application pack, read 2026-09-25 Minerva SIPP £500 a year plus VAT, nothing to set up Nothing from InvestAcc; it has no dealing desk, so your broker charges its own Shares on the London Stock Exchange, AIM or a recognised overseas exchange, ETFs, investment trusts, REITs, regulated funds, bonds, gold and UK commercial property. Listed holdings must be bought through a UK regulated broker, and overseas listings are approved case by case. Property costs £350 a year, falling to £100 once an independent property manager is appointed and waived on vacant land after the first year, and disposing of one costs £250. Taking benefits costs £100 in any year you do. No transfers from overseas schemes. Fees exclude VAT.
InvestAcc Accepts with conditions US persons: nothing published about US persons, but you must be living in the UK to apply FSCS £85,000 investment cover · apply direct or through an adviser · UK resident and living in the UK at application Updated Source: InvestAcc schedules of fees, June 2025, and its SIPP application pack, read 2026-09-25 SIPP Lite £250 a year plus £95 to set up, both plus VAT Nothing from InvestAcc; your broker or platform charges its own A restricted version of the Minerva list. No commercial property or land unless you upgrade. One investment account only, alongside the SIPP bank account. The annual fee is payable a year in advance, on top of the set-up fee in year one. Upgrading to the full Minerva SIPP costs £100 in the first year and nothing after that. Fees exclude VAT.
InvestAcc Accepts with conditions US persons: nothing published about US persons, but you must be living in the UK to apply FSCS £85,000 investment cover · apply direct or through an adviser · UK resident and living in the UK at application Updated Source: InvestAcc schedules of fees, June 2025, and its SIPP application pack, read 2026-09-25 InvestAcc SSAS £850 a year for one to four members, rising by about £75 a member to £1,375 at eleven, plus £650 to establish the scheme. All plus VAT Nothing from InvestAcc; your broker or platform charges its own A wide range including UK commercial property and land, unlisted shares, and a secured loan to the sponsoring employer of up to half the scheme's net assets. Not a personal pension: an employer scheme, so it needs an actively trading sponsoring employer at the outset and takes at most eleven members, who all become trustees. InvestAcc's own target market statement says a fund below about £80,000 is unlikely to benefit.
Killik and Co Accepts with conditions US persons: nothing published about US persons, though the pension wrapper itself has no minimum FSCS £85,000 investment cover · no minimum on the pension wrapper itself Updated Source: Killik and Co SIPP page, Silo page and terms and conditions (May 2026), 2026-09-15 Killik SIPP Nothing to open or hold the wrapper; investment service fees apply on top from 1.35% None on the managed service Direct shares, bonds and funds, with no published US-compliant portfolio. Opening and transferring in, in cash or in specie, are both free.
Legal and General Accepts with conditions US persons: it refuses US persons, but defines them by residence rather than citizenship Insured pooled funds run by Legal and General · open direct, no adviser needed Updated Source: Legal and General personal pension key features and glossary, 2026-08-17 Personal Pension 0.25% a year service charge, plus fund charges of 0.14% to 0.31% None Legal and General funds only, as five diversified options, a default, or one self-select fund. No direct shares. Aged 18 to 74, resident in the UK, with a National Insurance number. Opens from £100.
Nest Accepts with conditions US persons: nothing published about US persons either way, so ask before applying Occupational trust regulated by The Pensions Regulator · online only Updated Source: Nest joining as self-employed page, and the Nest Order and Rules article 19(4), read 2026-09-06 Nest pension, self-employed 0.3% a year on the pot, plus 1.8% on every contribution paid in None, the funds are managed for you Seven in-house funds: the Retirement Date Fund that over 99% of members sit in, plus Higher Risk, Ethical, Sharia, Lower Growth, Guided Retirement and Ready to Retire. All pooled, so PFICs for US tax, and there is no direct share option. You pay in yourself by Direct Debit or debit card from a personal account, at least £10 a time.
NFU Mutual Accepts with conditions US persons: nothing published about US persons either way NFU Mutual insured funds · open online without an adviser Updated Source: NFU Mutual Select Pension Plan key features, My Investments terms and guide to charges, 2026-09-24 Select Pension Plan 0.50% a year on the first £25,000, then 0.35% to £100,000, 0.30% to £500,000 and 0.20% above, banded across everything held on My Investments. Fund charges 0.10% to 0.99% on top None NFU Mutual unit-linked and with-profits funds, plus funds from selected providers. No direct shares. UK resident, and the applicant 18 or over: a parent or guardian can open one for a child under 18, who takes control at 18. From £50 a month or £1,000 as a lump sum, with transfers in from £5,000. Payments stop and the plan can be closed if you stop being UK resident.
Options UK Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £85,000 investment cover · direct or adviser introduced Updated Source: Options UK Premier SIPP key features and full investment fee schedule, read 2026-09-25 Premier SIPP £440 a year holding standard investments, after a £200 set-up fee, plus £150 a year if it holds anything non-standard — — —
Penfold Accepts with conditions US persons: its US person test is worded by residence, with entry by specific permission FSCS £85,000 investment cover · app based Updated Source: Penfold pension terms, clause 4.2.5, 2026-08-17 Penfold Pension 0.75% to 0.88% a year depending on plan, falling to 0.4% or 0.53% above £100,000 None One of four ready-made plans run by BlackRock or HSBC. You cannot choose the underlying funds, and Penfold states this is not a self-invested pension, so there are no direct shares. Penfold no longer publishes fees on its charges page and confirms them before you open.
PensionBee Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS 100% cover, no upper limit (insured) · app and web Updated Source: PensionBee terms and conditions, read 2026-08-17 Global Leaders Plan 0.70% a year None, it is a managed portfolio One ready-made BlackRock fund holding around 1,000 large listed companies. A pooled fund rather than direct shares. Halves to 0.35% above £100,000. Closing in full inside the first year costs £150.
PensionBee Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS 100% cover, no upper limit (insured) · app and web Updated Source: PensionBee terms and conditions, read 2026-08-17 4Plus Plan 0.85% a year None, it is a managed portfolio One actively managed State Street multi-asset fund, roughly 77% shares. Pooled, not direct holdings. Halves to 0.425% above £100,000. Closing in full inside the first year costs £150.
Prudential UK Accepts with conditions US persons: only through a financial adviser FSCS £85,000 · PruFund and guaranteed income holdings protected in full · adviser sold Updated Source: Prudential Retirement Account terms and key features, 2026-08-17 Prudential Retirement Account 0.30% a year below £100,000, tapering to 0.10% above £1,000,000, plus fund charges from about 0.65% on PruFund — PruFund and other insured funds, hundreds of collective funds, and direct shares through Stocktrade. Resident in the UK, or a crown servant serving overseas. Adviser only.
Quilter Cheviot Accepts with conditions US persons: nothing published about US persons, and a £250,000 minimum FSCS £85,000 · minimum portfolio £250,000 · the SIPP itself comes from a third party Updated Source: Quilter Cheviot SIPP application form and pension investment management page, 2026-09-15 Pension investment management inside a SIPP — — Discretionary multi-asset portfolios, with no published US-compliant variant. No headline rate is published, and the SIPP provider sets its own administration charge on top.
Rathbones Accepts with conditions US persons: a £100,000 SIPP minimum, inside a service typically for portfolios from £300,000 FSCS £85,000 investment cover · SIPP minimum £100,000 Updated Source: Rathbones SIPP and individuals and families pages, 2026-09-12 Rathbones SIPP £300 a year plus VAT to administer, on top of 1.10% investment management None Direct shares and bonds plus selected US ETFs and other US-compliant vehicles. Minimum investment £100,000 with no minimum contribution. Drawdown adds £150 a year plus VAT.
Standard Life Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS 100% of policy value if Standard Life fails, £85,000 if an external manager does · app and web Updated Source: Standard Life plan terms, 2026-08-17 Personal Pension 0.55% a year for the ready-made option None, it is a managed portfolio A ready-made managed fund, or self-select from over 50 funds. All pooled insured funds, no direct shares. From £1. No exit fee and no charge to switch, withdraw or transfer in.
Standard Life Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS 100% of policy value if Standard Life fails, £85,000 if an external manager does · app and web Updated Source: Standard Life plan terms, 2026-08-17 Stakeholder Pension 0.80% to 1.00% a year, capped at 1.00% None, it is a managed portfolio Three lifestyle profiles, or up to 12 funds from a list of over 50. Pooled insured funds only. From £16 a month. Discounts of 0.10% to 0.20% once the pot passes £25,000.
Westerby Accepts with conditions US persons: accepted at Westerby's discretion rather than automatically FSCS £85,000 investment cover · direct or adviser introduced Updated Source: Westerby SIPP key features document, December 2025, read 2026-08-17 Full SIPP £900 a year plus VAT, plus £350 plus VAT to set up Nothing from Westerby on standard assets; your broker charges its own Shares and securities on a regulated venue, funds, investment trusts, REITs, structured products, gold and UK commercial property. Minimum fund of £75,000. Available without an adviser.
Westerby Accepts with conditions US persons: accepted at Westerby's discretion rather than automatically FSCS £85,000 investment cover · direct or adviser introduced Updated Source: Westerby SIPP key features document, December 2025, read 2026-08-17 Solo SIPP £510 a year plus VAT, plus setup from £350 plus VAT Nothing from Westerby where there is a single investment One investment only, from a platform, a panel discretionary manager, a share dealing account, a trustee investment plan or gold. Minimum fund of £40,000, one standard asset only.
Yorsipp Accepts with conditions US persons: nothing published about US citizens, and applications only through an adviser FSCS £85,000 investment cover · adviser introduced only Updated Source: Yorsipp target market statement, February 2025, read 2026-08-17 Full SIPP £825 a year plus VAT, plus £130 plus VAT a year if you have no ongoing adviser Nothing from Yorsipp; your platform or broker charges its own Shares on any HMRC recognised exchange, bonds, gilts, investment trusts, funds, ETFs, gold and UK commercial property. Standard assets only. Applications only through an FCA regulated UK adviser.

Only through a financial adviser

These will hold a US person's pension, but will only take the business through a regulated adviser, so budget for advice fees on top of the ones shown here.

What you can hold as a US person The catch
Curtis Banks Accepts with conditions US persons: paper application, an overseas client declaration, a UK regulated adviser, and transfers only FSCS £85,000 investment cover · adviser introduced Updated Source: Curtis Banks overseas client declaration, 2026-08-17 Your Future SIPP £418 a year using one investment partner, or £968 for the full range, plus £129 to set up. All plus VAT £65 per instruction for directly held investments, £33 with a firm that is not an investment partner Shares, bonds, ETFs, investment trusts and REITs on the London Stock Exchange, AIM or any HMRC recognised overseas exchange, so US-listed stock is in scope. Also authorised funds, structured products and commercial property. Transfers from UK pensions only, so no new contributions. Online applications are closed to overseas clients, and you must confirm an adviser has advised on both the transfer and the suitability of the investments for a US national.
Embark Pensions (formerly Hornbuckle) Accepts with conditions US persons: UK residents only, and only through a regulated adviser FSCS £85,000 investment cover · adviser introduced · UK residents only Updated Source: Embark Pensions Full SIPP fair value assessment and fee schedule, 2026-08-17 Full SIPP £420 a year plus VAT, with nothing to set up £25 plus VAT a year for each standard investment after the first; dealing is charged by your broker Standard investments held directly or through a manager, platform or broker, plus commercial property. UK residents only and adviser introduced. Transfers in cost £50 a scheme.
iPensions Group Accepts with conditions US persons: an appointed financial adviser, because it will not take you direct, and £40,000 to transfer in FSCS £85,000 investment cover · through a regulated adviser only Updated Source: iPensions Group USA SIPP page, key features document and fee schedule, read 2026-09-25 The USA SIPP (Single Investment) £600 a year, after a £300 set-up fee — FCA standard assets only: UK quoted shares, gilts and debentures, shares on an HMRC recognised overseas exchange, unit trusts, investment trusts, OEICs, insurance company funds and bank accounts. —
iPensions Group Accepts with conditions US persons: an appointed financial adviser, because it will not take you direct, and £40,000 to transfer in FSCS £85,000 investment cover · through a regulated adviser only Updated Source: iPensions Group USA SIPP page, key features document and fee schedule, read 2026-09-25 The USA SIPP (Platform) £1,100 a year, after a £300 set-up fee — — —
iPensions Group Accepts with conditions US persons: an appointed financial adviser, because it will not take you direct, and £40,000 to transfer in FSCS £85,000 investment cover · through a regulated adviser only Updated Source: iPensions Group USA SIPP page, key features document and fee schedule, read 2026-09-25 The USA SIPP (Minimum Transfer Value £1.5m) £1,600 a year, after a £300 set-up fee — — —
Royal London Accepts with conditions US persons: only through a financial adviser, though the gate is distribution rather than your citizenship FSCS 100% for Royal London funds, £85,000 for external ones · adviser sold Updated Source: Royal London plan terms and adviser technical guidance, 2026-08-17 Pension Portfolio — None, it is a fund-based pension Governed Portfolios and around 170 funds from Royal London and external managers. Pooled funds, with no retail direct-share option. The annual charge is tiered and falls as the pot grows, but Royal London publishes no headline figure to consumers. Adviser fees are agreed separately and sit on top.
Talbot and Muir Accepts with conditions US persons: only through a regulated adviser, and it has never said whether it takes US persons FSCS £85,000 investment cover · adviser introduced Updated Source: Talbot and Muir SIPP application form, 2026-08-17 The Talbot and Muir SIPP £310 a year at level one or £400 at level two, plus £150 to set up on paper. All plus VAT Nothing from Talbot and Muir; £20 to set up or vary a standing order, capped at £200 a year Cash and deposits, shares, government and corporate bonds, regulated funds, investment trusts, exchange traded commodities and UK commercial property. Unlisted securities and cryptocurrency are rejected automatically. Adviser introduced only. Property adds £1,075 to £1,250 a year.

Also open to US persons, fees not listed here

Confirmed to accept US persons. Either their plans are not in the table above yet, or the provider prices each case individually, so ask directly.

  • International SIPP (adviser-gated) Accepts with conditions Updated Source: Cameron James, 2026-05; Harrison Brook, 2025-10; Wealth Genesis

An institution's name opens its page on Momo, with every account checked for it across the site. Account names link to the provider's own site. No link on this page is paid. How Momo makes money.

Who will not take you

Checked and confirmed to refuse US persons, so you can skip the application. The reason matters: some bar US citizenship outright, others require that you are tax resident in the UK and nowhere else.

Institution Why Updated
Bestinvest Bestinvest sets three conditions to open anything, including a SIPP: be 18, be a UK resident, and be a non-US citizen. The test is citizenship rather than residence, so living in the UK does not help. Source: Bestinvest eligibility page, 2026-08-17
Fidelity Fidelity's client terms say the products are not offered to US persons, and the definition opens with any citizen of the United States and any US passport holder regardless of where they live. It also reserves the right to sell your investments and close the account if you are or become one. Source: Fidelity SIPP client terms, 2026-08-17
Freetrade Freetrade makes not being a US person under FATCA a condition of every account it offers, the SIPP included, and spells out that this covers citizens, residents and anyone meeting the substantial presence test. Source: Freetrade terms and conditions, 2026-08-17
Interactive Brokers UK IBKR's SIPP account is reached only through a separate, pre-approved SIPP administrator acting as the master account holder, and IBKR states plainly that it does not accept US citizens or US residents trading through a SIPP. Source: Interactive Brokers UK SIPP accounts page, read 2026-09-13
Interactive Investor Widely assumed to be open to Americans, and it is not. The SIPP terms make you confirm you are neither a Canadian resident nor a US person, which is a confirmation a US citizen cannot truthfully give, and a later clause lets ii close positions where it believes you are one. Source: ii SIPP terms, clauses 13.3 and 18, 2026-08-17
InvestEngine Worth noting where the bar lives, because the contract will not tell you: InvestEngine's client terms set no US test at all, and its help centre lists US persons, including citizens and tax residents, among the accounts it cannot open. It is written against accounts rather than wrappers, so the pension closes with the ISA. Source: InvestEngine help centre, account eligibility, 2026-08-17
LV= LV= writes the citizenship test into its eligibility list: to open the Pension Portfolio you must not be a citizen or resident of the United States, which catches a US citizen living here. It is normally sold only through a financial adviser in any case. Source: LV= Pension Portfolio key features, April 2025, read 2026-08-17
Moneybox Moneybox says it cannot provide its services to US citizens, including dual citizens, or to anyone paying US tax, and that such a customer would need to close their account. That is written against the whole service rather than one wrapper, so there is no pension exception here. Source: Moneybox support pages, 2026-08-17
Moneyfarm Moneyfarm stopped taking US persons in 2021 and names the FATCA reporting burden as the reason. Its definition catches citizens, green card holders, dual nationals and anyone born in the US. Source: Moneyfarm FAQ, 2026-08-24
NatWest The mirror image of AJ Bell, inside one bank. NatWest's pension page says you cannot make contributions if you are a US citizen or a green card holder, while its stocks and shares ISA sets only a UK residence test with no citizenship condition. Same bank, opposite answers, so ask about the specific wrapper rather than about the bank. Source: NatWest pension pages, quoted 2026-08-17
Novia Global Two doors closed at once. Novia Global takes no direct business, only intermediaries with a terms of business agreement, and its own target market statement aims the product at people living or working outside the UK and says it is not meant for UK clients who intend to stay. It is built for leaving, not for settling. Source: Novia Global SIPP target market statement, 2026-08-17
Nutmeg (J.P. Morgan Personal Investing) The terms say it does not provide portfolios or services to US persons. Worse than a refusal at the door, they also require you to tell it if you become a US person, after which it may close your products and end the agreement. Source: J.P. Morgan Personal Investing terms, 2026-08-17
Prosper Prosper's eligibility clause says you may use its services only if you are not a tax resident of the United States, and it never defines the term. American citizenship-based taxation makes a US citizen a US tax resident wherever they live, so expect it to catch you, but Prosper has not said so and should be asked. The clause governs the whole account, so the pension and the ISA stand or fall together. Source: Prosper terms and conditions, eligibility, 2026-08-17
RBC Brewin Dolphin It manages portfolios inside third party pensions, and the same clause bars US citizens from every service its terms cover, wealth management and discretionary management included. Its website disclaimer repeats that US persons are excluded from the products offered. Source: RBC Europe retail client terms, clause 121, 2026-08-17
Redmayne Bentley The pension closes on the same terms as the ISA. Its SIPP portfolio form carries the identical FATCA declaration, and its managed portfolio terms add that it is not registered to do business with US persons. Source: Redmayne Bentley SIPP portfolio form and managed portfolio terms, 2026-08-17
Scottish Widows Both of its retail pensions refuse you in writing. The SIPP application requires that you are not a US person, and the ready-made pension goes further by naming the Internal Revenue Service definition, which is a citizenship test rather than a residence one. Worth knowing because Scottish Widows sells direct and looks like an easy route in. Source: Scottish Widows SIPP application and ready-made pension key features, 2026-08-17
Trading 212 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. Source: Trading 212 help centre, account setup, 2026-08-17
Vanguard UK 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. Source: Vanguard UK client terms, August 2026
Wealthify 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. Source: Wealthify account FAQs, 2026-08-17
Willis Owen The SIPP application makes you tick that you are a UK resident and not a US person, taken as the Internal Revenue Service defines it. The identical declaration sits on its ISA application, so Willis Owen closes both doors and offers no pension exception. Source: Willis Owen SIPP application, 2026-08-17

No longer offering this, or never did

Nothing to do with your citizenship: these are providers that do not offer a pension to anyone in the UK. Several are still recommended in forums and guides, which is why they are listed rather than left out.

Provider Why not Last checked
Aegon UK Two reasons this does not work. Aegon has no personal pension you can open yourself since Retiready closed to new business in December 2023, and what remains is adviser sold. Its SIPP key features then bar you anyway, saying you cannot apply if you are a US citizen or US taxpayer. Source: Aegon SIPP key features and individual savings pages, 2026-08-17
Bespoke Pension Services There is no pension here to assess. The company is active and registered under activities auxiliary to pension funding, but it publishes no website, no product literature and no fee schedule, and no consumer facing SIPP could be traced to it. Source: Companies House record for Bespoke Pension Services Limited, read 2026-08-17
Canada Life Nothing to open. Canada Life closed its personal pension, The Retirement Account, to new business with immediate effect in January 2024, and its remaining retirement products are sold only through independent financial advisers. Source: Canada Life announcement on closing its personal pension to new business, 2026-08-17
James Hay (Nucleus) Nothing to open. Nucleus lists the Partnership SIPP and the IPS range and states that all of them are closed to new business, with the remaining book moved onto its adviser-only platform. Source: Nucleus James Hay products and charges page, 2026-08-17
Just Group Just has no pension you can build savings in. Its range is retirement income and later life products: annuities, fixed term plans, drawdown, care funding and lifetime mortgages. Its Secure Lifetime Income is bought inside somebody else's SIPP rather than being a pension of its own. Source: Just Group product range pages, 2026-08-17
Rowanmoor Rowanmoor no longer exists as a provider. Its personal pensions business entered administration and the administrators sold all customer SIPPs to Alltrust in March 2023, which is why Alltrust still administers a Rowanmoor plan. Its own website no longer resolves. Source: FCA news story on Rowanmoor Personal Pensions entering administration, read 2026-08-17

Common questions

Can a US citizen open a UK SIPP?

Yes, and pensions are the one kind of UK saving the US-UK treaty has an article for: the US Treasury reads it as leaving growth in a UK pension untaxed by the US until it is drawn. Some providers take applications only through a regulated financial adviser, so budget for advice fees where that applies.

What can a US citizen hold inside a SIPP?

Individual shares are the safe ground. IRS regulations excuse a member of a treaty-protected pension from filing Form 8621 for the funds inside it, but they do not say the PFIC tax falls away, while shares in ordinary companies are not PFICs at all. Platforms differ in whether they allow direct share dealing at all.

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

SIPP 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.

 Tax

US-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.

 Tax

Form 3520

A UK pension held in trust can be a foreign trust to the IRS. Rev. Proc. 2020-17 exempts qualifying retirement trusts from Forms 3520 and 3520-A, on conditions.

 More

Where to save

Savings accounts, cash ISAs, Premium Bonds, stocks and shares ISAs and pensions side by side for a US citizen in the UK: who opens each, the UK tax, the US tax and what gets reported.