Which banks and brokers still accept Americans abroad?

Schwab markets brokerage accounts specifically to 'U.S. citizens living abroad', with US-dollar accounts, a Schwab Visa debit card with ATM fee refunds, and 1099 tax reporting. Which products you can get depends on your country of residence.

IBKR treats US citizens as US tax residents wherever they live. Its staff, replying on IBKR's own Campus site, say it offers IRAs to US citizens living anywhere in the world, and that you keep your account when you relocate unless the new country is sanctioned. IBKR may still ask for a new application and asset transfer to its local entity. Your entity follows your country of legal residence.

Fidelity's FAQ for investors outside the US says it doesn't open new accounts for people residing outside the US. Existing customers who move abroad may keep accounts, but they can't buy mutual fund shares (including adding to funds they already hold), and further limits vary by country. Fidelity's site blocks automated fetches, so this was checked against the search-index copy of the official page. Re-check it manually.

Schwab says International clients 'in certain jurisdictions' may no longer be able to buy US-registered ETFs. It offers EU-authorised UCITS ETFs to EEA residents instead, traded through a specialist with foreign transaction fees.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. Bogleheads forum members report that after they gave Vanguard a foreign residential address, they could no longer buy or exchange, but could still sell, reinvest dividends and transfer out. Some reported taxable accounts being closed. Experiences vary by country. Vanguard's own legal notice only says its US products are intended for US residents.

Betterment says it only operates in the US and can't accept customers residing outside the US, including US citizens living or working abroad. You need a permanent US address plus an SSN or ITIN. Login may be blocked from some countries.

Firstrade accepts international clients, but only non-US persons. Its help centre says it doesn't accept new applications from US citizens or permanent residents living abroad.

Revolut's trading entities outside the US can't serve US persons (citizens or residents) living outside the US. Only Revolut's US entity serves US persons, and only those residing in the US. The page says nothing about Revolut's everyday account.

Wealthfront requires an SSN, a permanent US residential address and current US residence. It says it can't support clients living outside the US, including US citizens abroad. The page mentions a possible exception for active-duty military and US government employees.

Implied open: HSBC Australia says it may refuse new accounts only to customers who do not comply with FATCA documentation requests. US persons who provide a W-9 (or equivalent) are documented and reported.

Stake's US withholding-tax help page says U.S. tax residents submit a W-9 instead of a W-8BEN, and that Stake lodges the correct form with the IRS via its US broker partner on first Wall St deposit. That matches how it documents US persons. You still need to meet Stake's Australian residency / eligibility rules for the account.

Superhero says it lodges a W-9 instead of a W-8BEN 'if you are a US citizen', so US citizens can trade. You need to be an Australian resident with a TFN or equivalent.

CommSec's International Shares client guide warns that US citizens may not be able to open an International Shares Account, which is the CommSec product for trading US and other overseas shares. This entry doesn't cover the standard Australian shares account.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Implied open: EQ Bank (Equitable Bank) says that if you have an existing account or are opening one and there is an indication you may be a U.S. person, it may ask you to provide additional information or complete a form. That is documentation/reporting, not a refusal.

Questrade's FATCA page is written for clients who are US persons: they complete a W-9 and Questrade reports to the CRA, which passes the data to the IRS. This implies US citizens living in Canada can hold accounts.

Implied open: TD says US persons complete an IRS Form W-9.

Wealthsimple's help centre advises US citizens and green-card holders living in Canada on which account types to use. It says RRSPs and non-registered accounts are OK. It warns that TFSAs and RESPs usually aren't tax-sheltered for IRS purposes, and that Canadian ETFs are PFICs. Eligibility only requires that you live in Canada and have a SIN.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Implied open: Banco de Bogotá's FATCA page says it reports customers identified as having US tax obligations to the US each year via Colombia's tax authority (DIAN), so it holds such accounts. The page is in Spanish.

Implied open: Bancolombia's personal onboarding form (July 2025 version) has a FATCA/CRS self-certification asking whether you're a US tax resident or citizen and, if so, for your tax ID. That means it documents US persons rather than refusing them. The form is on Grupo Bancolombia's document host and is in Spanish.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. On an expat forum (about 2024), American members say they bank with Banco Nacional without problems and have US Social Security deposited there monthly. Members also say proof of source of funds is required. We found no official BN statement on US persons.

Implied open: BCR's staff guidance on FATCA/CRS says that when onboarding a client with foreign tax obligations, staff must complete the FATCA form (US only) or the CRS self-certification. The guidance is in Spanish.

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

One of Scalable Capital's sign-up requirements is that you are not subject to US taxation. The service is open to residents of Germany, Austria, Italy, Spain, metropolitan France and the Netherlands.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

FondsSuperMarkt, a German fund broker, advertises a depot for US taxpayers who don't live in the US. You apply on paper and include a W-9 with your SSN. It isn't available if you live in the US. Note: most EU funds are PFICs for US taxpayers.

Implied open: ING's FATCA/CRS form guide has a section for US persons (with US TIN/SSN), and asks for a W-9 for the Direkt-Depot. Original German: "Füllen Sie diesen Abschnitt bitte aus, wenn Sie eine US-Person sind" = "Please complete this section if you are a US person."

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

Consorsbank's official pages point in different directions. Its tax FAQ and tax-information page explain that US persons (US citizens including dual citizens, US-born, US-resident) must submit a Form W-9 with a valid SSN/TIN, and that new customers with US indicia submit a W-9. That implies US persons can be customers, but neither page says outright that it opens accounts for them. Its website disclaimer, by contrast, says the offers on its website are expressly not directed at US persons as defined in Regulation S of the US Securities Act 1933. That may be standard securities-offering language rather than an account-opening rule, but we can't confirm either way from official sources. Ask Consorsbank directly before applying.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

One of Scalable Capital's sign-up requirements is that you are not subject to US taxation. The service is open to residents of Germany, Austria, Italy, Spain, metropolitan France and the Netherlands.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Implied open: HSBC says it may refuse new accounts only to customers who don't comply with FATCA. US persons who provide a W-9 are documented and reported.

Implied open: Hang Seng lists the W-9 among its personal account service forms and explains it is how an account holder certifies US status.

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Implied open: Bank Hapoalim's English FATCA declaration for individuals has a tick-box for customers who are US persons, so US citizens are documented rather than refused. We could only read the PDF through a search index because the bank blocks direct downloads.

Implied open, narrow scope: Leumi's page on trust accounts says a beneficiary who is a US citizen, was born in the US or lives in the US (including green card holders) signs a W-9. We found no Leumi page on ordinary personal accounts for US citizens. The quote is Hebrew.

Implied open: Mizrahi-Tefahot's cross-border policy says Israeli banks report US-person account holders to the Israel Tax Authority each year, so it holds such accounts. Conditions: it won't open an account for a customer who refuses to sign a tax-residency declaration and confidentiality waiver, and accounts for foreign residents and foreign tax residents are handled only at specialised branches.

Applies to US residents, not to Americans living in Israel. The bank says it can't provide securities services to customers who live in the US without a US licence.

Fineco's account-opening FAQ tells US persons how to apply: give your Social Security Number and sign a W-9 online. One catch: joint accounts must be all US persons or all non-US persons. Mixed US/non-US joint accounts aren't accepted, which matters for mixed-nationality couples.

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

One of Scalable Capital's sign-up requirements is that you are not subject to US taxation. The service is open to residents of Germany, Austria, Italy, Spain, metropolitan France and the Netherlands.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

MUFG checks FATCA status at account opening; US persons' account details are reported to the IRS with their consent. Original: "米国人等に該当する場合、お客さまの同意のもとに米国税務当局（内国歳入庁）に口座情報等を報告させていただきます" = "If you are a US person, we will report your account information to the IRS with your consent."

Monex sends people with US ties (US green card, 183+ days in the US, other foreign tax obligations) to its postal account-opening route instead of online opening. We could not directly verify which foreign-stock products US persons can trade at Monex.

Implied open: SBI Shinsei asks US persons for its designated documents, including consent to report to the IRS.

Matsui's general account is open to Japan residents of any nationality. Its US stock account is barred to US persons, green card holders, US residents and US taxpayers. Original: "米国人・グリーンカード保有者(米国永住権所有者)・米国居住者・米国納税義務者…でないこと" = "must not be a US person, green card holder, US resident or US taxpayer."

Rakuten Securities restricts US citizens, green-card holders and US residents from trading all foreign stocks, because it isn't registered to provide securities services to US persons. Domestic Japanese products aren't covered by this restriction.

To open SBI Securities' foreign-stock trading account, you must not be a US citizen, green-card holder or US resident. The page doesn't address domestic accounts.

US persons can't trade mutual funds at SMBC Trust Bank PRESTIA. If you become one, fund holdings may have to be sold. Original: "米国税法上の米国人（米国市民、米国居住者、またはグリーンカード保有者）は、投資信託をお取引いただけません" = "US persons under US tax law (citizens, residents, green card holders) cannot trade investment trusts."

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

Implied open: BanBajío's FATCA FAQ says that if US indicia appear it asks for a self-certification, and lists IRS Form W-9 for US taxpayers. Refusal to supply forms makes the account reportable; it does not say BanBajío refuses US persons who comply.

Implied open: Banorte's FATCA/CRS FAQ says that as part of account opening or data updates it collects a FATCA-CRS self-certification and, depending on the case, additional documents. US persons who provide the paperwork are documented and reported via SAT to the IRS.

Implied open: HSBC Mexico's FATCA FAQ says it asks affected customers for US tax forms (W-9/W-8BEN). That means it documents US persons rather than refusing them. Local residency and KYC rules still apply.

This applies to all foreign-born residents, not only Americans. GBM's app can't onboard people born abroad with temporary or permanent residency. They can sign a manual contract with at least MXN 300,000 and get Trading MX (Mexican market + SIC) only. Original: "la app no está habilitada para identificar CURPs de personas nacidas en el extranjero" = "the app cannot identify CURPs of people born abroad."

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

bunq says US persons must give a Social Security Number (or a Certificate of Loss of Nationality) to keep their bunq account active. In other words, US persons can hold accounts if they provide an SSN. bunq operates across the EEA, but this site only maps it to the Netherlands so far.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

One of Scalable Capital's sign-up requirements is that you are not subject to US taxation. The service is open to residents of Germany, Austria, Italy, Spain, metropolitan France and the Netherlands.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Implied open: Banco General's FATCA/CRS FAQ says US citizens give a US TIN (their SSN) in a self-certification similar to the IRS W-9, and the tax data sheet is required for every product opening. Context: the US State Department says regulatory issues have made it hard for some private US citizens to open bank accounts in Panama (country-wide, not specific to Banco General).

Implied open: BPI's customer information sheet has an "I am a U.S. Person" box and a consent to FATCA reporting.

BPI Trade lists the W-9 as an account-opening requirement for US persons, including dual citizens and green card holders.

Implied open: HSBC Philippines says it may refuse new accounts only to customers who do not comply with FATCA documentation. US persons who provide the forms are documented; local KYC and visa rules still apply.

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Implied open: HSBC Singapore says it may refuse new accounts only to customers who do not comply with FATCA documentation requests. US persons who provide a W-9 (or equivalent) are documented and reported.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Endowus can't open accounts for US citizens, green-card holders, US tax residents or anyone with a US address. It refers US persons to LEO Wealth, a cross-border adviser, and says it receives a referral fee for doing so.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

StashAway Singapore's help centre has a dedicated 'I'm a US Tax Resident; can I open an account?' article, and search-index copies say US tax residents can't open accounts. The page loads its answer with JavaScript, so this was checked against the search-index copy. Re-check it manually.

Syfe says its offerings aren't available to US citizens or US residents. If you become a US person, Syfe may close your account after giving you time to redeem your investments.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Implied open: Openbank's CRS-FATCA self-certification tells US persons to list the United States and their US TIN. Original Spanish: "Si es Persona estadounidense, por favor indique Estados Unidos en la columna de país(es) de residencia, junto con su US TIN" = "If you are a US person, please enter the United States in the country(ies) of residence column, together with your US TIN."

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Indexa doesn't open accounts for US persons. It explains that US rules and fund managers' own restrictions (it names Vanguard) would stop it from investing additional contributions or rebalancing.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

One of Scalable Capital's sign-up requirements is that you are not subject to US taxation. The service is open to residents of Germany, Austria, Italy, Spain, metropolitan France and the Netherlands.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

PostFinance asks affected (US) customers for consent to FATCA reporting. Accounts whose holders don't consent are reported in aggregate, so they are not simply closed.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Yuh (Swissquote + PostFinance) says it will refuse to open your account if you give it information or documents showing you're a US person.

neon requires you to be tax-resident exclusively in Switzerland. US citizens are US tax residents wherever they live, so this rules them out. neon doesn't mention US persons by name; this is our reading of the requirement.

Implied open: Bangkok Bank's expat booklet says US persons give a W-9 with their TIN. Caution: the booklet dates from January 2017; we found no newer official statement.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. A reader living in Bangkok reports that Bangkok Bank opens accounts for US citizens, and says they're fairly sure but not certain. Bangkok Bank hasn't confirmed this. Separately, since May 2025 Bangkok Bank generally requires foreigners to hold a long-term visa (see the Bangkok Post entry).

Not specific to US persons. Since May 2025 Bangkok Bank opens new deposit accounts for foreigners only if they hold a long-term visa (for example retirement or other non-immigrant visas), are married to a Thai national, or own property in Thailand. Tourists and other short-stay visitors are generally excluded. US citizens face these rules plus the W-9 paperwork.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. A reader living in Bangkok reports that Kasikornbank (KBank) opens accounts for US citizens, and says they're fairly sure but not certain. KBank hasn't confirmed this.

Implied open: KBank's FATCA/CRS FAQ says it has collected FATCA/CRS forms from customers since April 2023 and reports US persons' accounts to the IRS via the Thai Revenue Department. In November 2024 it emailed existing customers asking for a self-certification plus an IRS Form W-9 where applicable (US citizens). That points to KBank documenting US-person accounts rather than refusing them, but no KBank page says outright that it opens new accounts for US citizens.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. In a May 2025 thread started by an American on a Non-O visa, several members recommend KBank and report recent success. One was told a rental agreement plus visa and passport would be enough. Requirements vary by branch, and big-mall branches used to foreigners are suggested.

Implied open: Krungsri's FATCA Q&A (announced 1 June 2025) says US persons opening new accounts must complete an IRS form, and that US customers give a W-9 with their TIN. That means it documents US persons rather than refusing them. No Krungsri page says outright that it opens accounts for US citizens. ("verity" in the quote is the bank's own typo.)

Implied open: Krungthai's FATCA page says it reports to the IRS on accounts held by US citizens, so it holds such accounts. Caution: the same page says the bank may consider closing accounts of customers who don't answer the FATCA questionnaire or supply the documents it asks for.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. In a May 2025 thread started by an American on a Non-O visa, members say they bank with SCB without problems, and one says a Non-O visa plus a Thai driving licence was enough, with no residence certificate. We found no official SCB statement on US persons.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY, AND OLD (September 2014). A US citizen reports that SCB had them fill out an IRS W-9 and an internal SCB form when FATCA came in, so their account continued with the paperwork.

Implied open: ttb's FATCA page offers the W-9 to customers declaring American nationality. The page is bilingual; the quote is ttb's own English line.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. In a May 2025 thread started by an American on a Non-O visa, some members say Bangkok Bank works for them. Others say it has become strict about residency certificates, and one was told new accounts were for property owners only. The reports point to branch-by-branch residency rules, not a US-specific ban. They conflict on whether a newcomer can open an account.

StashAway Thailand's help article 'I'm a US Tax Resident; can I open an account?' says US citizens can't open an account at the moment. The page loads its answer with JavaScript, so this was checked against the search-index copy.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

ADIB's FATCA page asks US persons for tax forms (W-9 for a US specified person) and says it will not open an account only if you fail to respond to FATCA self-certification. Compliant US persons are documented and reported via UAE authorities to the IRS.

Emirates NBD's FATCA FAQ says US persons remain welcome if they comply with FATCA (self-certification/W-9). UAE banks won't open accounts for "recalcitrant" US persons who refuse the paperwork.

Implied open: HSBC UAE says it may refuse new accounts only to customers who do not comply with FATCA documentation. US persons who provide the paperwork remain bankable; UAE residency/KYC rules still apply.

Implied open: Mashreq identifies US persons at onboarding and asks them for a W-9; their details are reported to the IRS. Source is the FATCA FAQ on Mashreq's Neo/Al Islami site.

One of Sarwa's eligibility requirements is that you are not a US citizen, US resident or US tax resident.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Implied open: Chase UK only says it may follow up with US citizens/residents after the tax self-certification. You must be a UK tax resident to open an account.

Starling says FATCA doesn't change how a US person uses a Starling account, if they are otherwise eligible (UK resident). Expect to provide your US TIN.

Moneyfarm stopped accepting new US persons because of FATCA reporting. US persons who opened accounts before March 2021 can keep using them while they live in the UK, but must close them before moving to another country. Moneyfarm had announced 'MoneyFarm welcomes Americans' on July 4, 2016.

HL handles US citizens through manual processes. US citizens can't transfer an investment account in online and must contact HL. US citizens or taxpayers who want to buy US shares need a paper tax form. Online applications require UK tax residency. HL doesn't publish an explicit 'we accept US persons' statement, so ask before you apply.

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

AJ Bell doesn't open any of its accounts for US citizens. Its help centre says US (and Canadian) citizens can't open a SIPP, and its terms bar US citizens and US tax residents from the ISA, Lifetime ISA, Junior ISA and Dealing Account. AJ Bell may close an ISA or Dealing Account if you become a US citizen or US tax resident. The SIPP section of the terms names only Canadians; we follow the more specific help-centre answer.

Freetrade says it isn't available to US citizens or anyone with dual US citizenship, citing 'stricter US tax laws'.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

Nutmeg's terms say it doesn't provide portfolios or services to US persons and may close your products if you become one. International Adviser reported on 16 August 2021, citing the Mail on Sunday, that in July 2021 Nutmeg emailed US citizen and US tax-resident customers to say their accounts would be closed.

Saxo says it can't serve US persons, including US citizens and dual citizens who don't live in the US. The page names one exception: you can show you're no longer a US person (for example with a Certificate of Loss of Nationality and a W-8). Countries listed are Saxo locales on its help centre. The policy appears group-wide.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Vanguard UK's 'target market' page says the UK Personal Investor platform is not for you if 'I am a US person (for example a US citizen or US resident)'.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.