SIPPs that accept US citizens
A SIPP can work for a US citizen, which makes it the rare bright spot in UK investing. The provider list is short and the holdings are restricted, but the treaty is on your side here.
A SIPP, a self-invested personal pension, is a UK pension you direct yourself. Unlike an ISA, a pension gets real protection under the US-UK tax treaty: the treaty generally lets the fund grow tax-deferred for US purposes, so the wrapper means something to the IRS as well as to HMRC.
The catches are access and contents. Many SIPP providers decline US persons, and those that accept you often limit you to holdings that avoid the PFIC problem, since UK funds inside a SIPP still carry the same risk if the treaty treatment does not apply cleanly. The verdicts below are about who opens the account; the tax page covers how growth and drawdown are taxed.
Read how the US taxes your UK SIPP and the treaty and its saving clause for what the protection covers and where it stops.
Who accepts US citizens
Last checked 27 June 2026| Provider | Verdict | What to know | Last checked |
|---|---|---|---|
| Dentons Pensions | Opens | Accepts US-connected clients including US nationals, the clearest direct UK SIPP acceptance found; expects a minimum fund around 50,000 pounds. | 27 June 2026 |
| International SIPP (adviser-gated) | With strings | International SIPPs from advisers such as Cameron James and Harrison Brook are built for US persons, but require a regulated adviser and carry higher fees, often 1 to 5 percent or a flat fee around 3,000 pounds. | 27 June 2026 |
| AJ Bell SIPP | Skip | Restricts US persons and non-UK residents. | 27 June 2026 |
| Fidelity SIPP | Skip | Expressly prohibits US citizens and US tax residents. | 27 June 2026 |
| Hargreaves Lansdown SIPP | Skip | Restricts US persons and non-UK residents. | 27 June 2026 |
| Interactive Brokers UK | Skip | Offers brokerage and an ISA to US persons but does not offer them a SIPP. | 27 June 2026 |
Provider by provider
Dentons Pensions
OpensAccepts US-connected clients including US nationals, the clearest direct UK SIPP acceptance found; expects a minimum fund around 50,000 pounds.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with Dentons Pensions, it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveInternational SIPP (adviser-gated)
With stringsInternational SIPPs from advisers such as Cameron James and Harrison Brook are built for US persons, but require a regulated adviser and carry higher fees, often 1 to 5 percent or a flat fee around 3,000 pounds.
Source on file; last checked 27 June 2026.
If momo earns a commission when you open an account with International SIPP (adviser-gated), it is disclosed here. Partner links are not active yet, so this slot earns nothing and changes no verdict.
Link inactiveAJ Bell SIPP
SkipRestricts US persons and non-UK residents.
Source on file; last checked 27 June 2026.
Fidelity SIPP
SkipExpressly prohibits US citizens and US tax residents.
Source on file; last checked 27 June 2026.
Hargreaves Lansdown SIPP
SkipRestricts US persons and non-UK residents.
Source on file; last checked 27 June 2026.
Interactive Brokers UK
SkipOffers brokerage and an ISA to US persons but does not offer them a SIPP.
Source on file; last checked 27 June 2026.
Why this is the rule
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.
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 the treaty were not there. What survives the clause.