UK brokerage accounts that accept US citizens
Most UK investment platforms decline US persons outright. A short list accepts you, and what they let you hold matters as much as whether they open the door.
The refusals are about US securities law, not snobbery. Letting a US resident trade can pull a platform into US regulatory reach, and most UK brokers decide a handful of American customers is not worth it. So the first question is simply who says yes.
The second question is the holdings. Even on a platform that accepts you, UK and European funds are PFICs and carry the punitive US tax treatment, so a US-friendly account is usually one that lets you hold individual shares or US-domiciled funds rather than UK-domiciled ones. An account you can open but can only fill with PFICs solves little.
See the PFIC rules for what is safe to hold, and FATCA for the reporting every accepting broker runs.
Who accepts US citizens
Last checked 27 June 2026| Provider | Verdict | What to know | Last checked |
|---|---|---|---|
| Charles Schwab International | Opens | Accepts US persons with a UK address; KID rules apply to US-domiciled funds. | 27 June 2026 |
| Interactive Brokers UK | With strings | Opens a taxable brokerage account to US persons; KID rules restrict which US-domiciled funds you can buy. | 27 June 2026 |
| AJ Bell | Skip | Restricts or excludes US persons from its investment accounts. | 27 June 2026 |
| Fidelity UK | Skip | Expressly excludes US persons from its investment accounts. | 27 June 2026 |
| Hargreaves Lansdown | Skip | Excludes US persons from its investment accounts. | 27 June 2026 |
| Other UK platforms | Skip | Bogleheads identifies Interactive Brokers and Schwab as the only brokers known to accept US persons in the UK; other platforms decline. | 27 June 2026 |
| Vanguard UK | Skip | A mainstream platform that does not accept US persons. | 27 June 2026 |
Provider by provider
Charles Schwab International
OpensAccepts US persons with a UK address; KID rules apply to US-domiciled funds.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Charles Schwab International, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveInteractive Brokers UK
With stringsOpens a taxable brokerage account to US persons; KID rules restrict which US-domiciled funds you can buy.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Interactive Brokers UK, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveAJ Bell
SkipRestricts or excludes US persons from its investment accounts.
Source on file; last checked 27 June 2026.
Fidelity UK
SkipExpressly excludes US persons from its investment accounts.
Source on file; last checked 27 June 2026.
Hargreaves Lansdown
SkipExcludes US persons from its investment accounts.
Source on file; last checked 27 June 2026.
Other UK platforms
SkipBogleheads identifies Interactive Brokers and Schwab as the only brokers known to accept US persons in the UK; other platforms decline.
Source on file; last checked 27 June 2026.
Vanguard UK
SkipA mainstream platform that does not accept US persons.
Source on file; last checked 27 June 2026.
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.
TaxFATCA
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.