{ "generated": "2026-10-21", "rows": [ { "id": "schwab-expat", "institution": "schwab", "countries": [ "global" ], "product": "Schwab International brokerage for US expats", "status": "open", "note": "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.", "evidence": "As a U.S. citizen living abroad, enjoy a number of advantages with Schwab", "source_url": "https://international.schwab.com/us-expat-investing", "source_title": "Charles Schwab: Investing and brokerage services for U.S. expatriates", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "schwab-expat--global" }, { "id": "ibkr-open", "institution": "interactive-brokers", "countries": [ "global" ], "product": "Brokerage account & IRAs", "status": "open", "note": "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.", "evidence": "Interactive Brokers offers Individual Retirement Accounts for individual US citizens living anywhere in the world and US resident aliens only.", "source_url": "https://www.interactivebrokers.com/campus/trading-lessons/trading-overseas-with-ibkr/", "source_title": "IBKR Campus: Trading Overseas with IBKR (official staff replies, Sep 2025 & Apr 2025)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "ibkr-open--global" }, { "id": "fidelity-abroad", "institution": "fidelity", "countries": [ "global" ], "product": "Brokerage & mutual funds", "status": "existing_only", "note": "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.", "evidence": "Customers residing outside the United States cannot purchase mutual-fund shares, including adding to existing funds ... Fidelity does not open new accounts for customers residing outside the U.S. (search-index summary of the official FAQ)", "source_url": "https://www.fidelity.com/accounts/services/investors_outside_US_faq.shtml", "source_title": "Fidelity: Investors who reside outside the United States (FAQ)", "confidence": "official", "verified_via": "search index (site blocks automated fetch)", "last_confirmed": "2026-10-19", "country": "global", "row_id": "fidelity-abroad--global" }, { "id": "schwab-us-etfs", "institution": "schwab", "countries": [ "global" ], "product": "US-registered ETFs", "status": "restricted", "note": "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.", "evidence": "Schwab International clients in certain jurisdictions may no longer be eligible to purchase U.S.-registered ETFs.", "source_url": "https://international.schwab.com/investment-products/etf-trading", "source_title": "Charles Schwab: U.S. ETFs for International Investors", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "schwab-us-etfs--global" }, { "id": "vanguard-us-foreign-address", "institution": "vanguard-us", "countries": [ "global" ], "product": "US brokerage / mutual fund accounts", "status": "restricted", "note": "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.", "evidence": "Each of the investment products and services referred to on this website is intended to be made available to U.S. residents. (Vanguard special notice; restriction details are forum reports)", "source_url": "https://www.bogleheads.org/forum/viewtopic.php?t=421557", "source_title": "Bogleheads forum: Vanguard accounts with foreign address (+ Vanguard 'Special notice to non-U.S. investors')", "confidence": "community", "verified_via": "search index (forum blocks automated fetch)", "last_confirmed": "2026-10-19", "country": "global", "row_id": "vanguard-us-foreign-address--global" }, { "id": "betterment-abroad", "institution": "betterment", "countries": [ "global" ], "product": "Robo-advisor & cash accounts", "status": "refuses", "note": "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.", "evidence": "Betterment currently only operates in the United States, and for regulatory reasons cannot accept international customers residing outside the United States. This includes U.S. citizens residing and/or working abroad.", "source_url": "https://www.betterment.com/help/account-eligibility", "source_title": "Betterment Help: Who is eligible to use Betterment?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "betterment-abroad--global" }, { "id": "firstrade-abroad", "institution": "firstrade", "countries": [ "global" ], "product": "Brokerage account (new applications)", "status": "refuses", "note": "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.", "evidence": "Firstrade does not accept new applications from U.S. citizens or permanent residents living abroad.", "source_url": "https://help.firstrade.info/en/articles/9268389-i-am-a-u-s-citizen-living-abroad-permanently-what-type-of-account-should-i-open", "source_title": "Firstrade Help Center: I am a U.S. citizen living abroad permanently (article dated May 1, 2024)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "firstrade-abroad--global" }, { "id": "revolut-trading", "institution": "revolut", "countries": [ "global" ], "product": "Stock trading (Revolut's non-US entities)", "status": "refuses", "note": "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.", "evidence": "For regulatory reasons, Revolut trading entities outside the US can't provide services to US persons (i.e. a citizen or resident of the US living outside the US).", "source_url": "https://help.revolut.com/help/wealth/stocks/licences-regulations/can-i-have-a-trading-account-if-im-a-us-person/", "source_title": "Revolut Help: Can I have a trading account if I'm a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "revolut-trading--global" }, { "id": "wealthfront-abroad", "institution": "wealthfront", "countries": [ "global" ], "product": "Robo-advisor & cash accounts", "status": "refuses", "note": "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.", "evidence": "We cannot support clients residing outside of the U.S., including U.S. citizens residing abroad.", "source_url": "https://support.wealthfront.com/hc/en-us/articles/209335546-I-live-outside-of-the-U-S-Can-I-open-an-account", "source_title": "Wealthfront Support: I live outside of the U.S. Can I open an account?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "global", "row_id": "wealthfront-abroad--global" }, { "id": "hsbc-au-us", "institution": "hsbc-au", "countries": [ "australia" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "The HSBC Group may not open new accounts or offer additional products and services to customers who choose not to comply with HSBC’s requests for documentation to establish a customer’s status under FATCA.", "source_url": "https://www.fatca.hsbc.com/en/rbwm/australia/frequently-asked-questions", "source_title": "HSBC Australia: FATCA FAQ (Retail Banking and Wealth Management)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "hsbc-au-us--australia" }, { "id": "stake-w9", "institution": "stake", "countries": [ "australia" ], "product": "Stake Wall St (US shares)", "status": "open", "note": "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.", "evidence": "U.S. tax residents : Submit a W-9 instead Stake arranges for the correct tax form to be completed and lodged with the IRS through our U.S. broker partner when you make your first deposit to Stake Wall St.", "source_url": "https://hellostake.com/au/support/documents-and-statements/taxes-and-forms/26010830629785", "source_title": "Stake Support: U.S. Withholding Tax", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "stake-w9--australia" }, { "id": "superhero-w9", "institution": "superhero", "countries": [ "australia" ], "product": "Share trading account", "status": "open", "note": "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.", "evidence": "Superhero uses this information to create and lodge a W-8BEN form with the US Tax Office (IRS), or W9 if you are a US citizen.", "source_url": "https://support.superhero.com.au/hc/en-au/articles/14787874865167-Tax-on-Personal-Accounts", "source_title": "Superhero Support: Tax on Personal Accounts", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "superhero-w9--australia" }, { "id": "commsec-intl", "institution": "commsec", "countries": [ "australia" ], "product": "International Shares Account", "status": "restricted", "note": "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.", "evidence": "If you are a U.S. citizen, or do not meet the eligibility criteria above, you may not be able to apply and open an International Shares Account successfully.", "source_url": "https://www.commsec.com.au/content/dam/EN/PDFs/FSG/International_Shares_Client_Guide.pdf", "source_title": "CommSec International Shares Client Guide (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "commsec-intl--australia" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "degiro-us-persons--australia" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "trading212-us-persons--australia" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "australia", "row_id": "wise-interest-stocks--australia" }, { "id": "eq-bank-us", "institution": "eq-bank", "countries": [ "canada" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "If you have an existing account at Equitable Bank or are opening one, and there is an indication that you may be a U.S. person as described above, then we may ask you to provide additional information or complete a form to confirm your tax status.", "source_url": "https://www.eqbank.ca/legal/fatca", "source_title": "EQ Bank: Foreign Account Tax Compliance Act (FATCA)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "canada", "row_id": "eq-bank-us--canada" }, { "id": "questrade-fatca", "institution": "questrade", "countries": [ "canada" ], "product": "Brokerage accounts", "status": "open", "note": "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.", "evidence": "If you are a U.S. person, you've likely completed a W-9 form ... Questrade sends this information to the CRA annually, which the CRA then sends to the IRS as required.", "source_url": "https://www.questrade.com/learning/using-questrade/complying-with-fatca-foreign-account-tax-compliance-act", "source_title": "Questrade: Complying with FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "canada", "row_id": "questrade-fatca--canada" }, { "id": "td-us", "institution": "td", "countries": [ "canada" ], "product": "Accounts", "status": "open", "note": "Implied open: TD says US persons complete an IRS Form W-9.", "evidence": "You are considered a U.S. person for U.S. tax purposes and will need to complete an IRS Form W-9 if you are a:", "source_url": "https://www.td.com/ca/en/about-td/incometaxact", "source_title": "TD: Income Tax Act (FATCA/CRS)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "canada", "row_id": "td-us--canada" }, { "id": "wealthsimple-us-citizens", "institution": "wealthsimple", "countries": [ "canada" ], "product": "Investing accounts (RRSP, non-registered, TFSA)", "status": "open", "note": "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.", "evidence": "If you are a U.S. citizen or green card holder and you live in Canada, you need to report your worldwide income to both the Canada Revenue Agency (CRA) and the U.S. Internal Revenue Service (IRS).", "source_url": "https://help.wealthsimple.com/hc/en-ca/articles/4412120555163-Understanding-US-dual-citizenship-and-registered-accounts", "source_title": "Wealthsimple Help: Understanding US dual citizenship and registered accounts", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "canada", "row_id": "wealthsimple-us-citizens--canada" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "canada", "row_id": "wise-interest-stocks--canada" }, { "id": "banco-de-bogota-fatca", "institution": "banco-de-bogota", "countries": [ "colombia" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Reporte anual de FATCA a los EEUU pormedio de la DIAN, sobre aquellos clientes previamente identificados que cumplen obligaciones fiscales con dicho gobierno.", "source_url": "https://www.bancodebogota.com/wps/portal/banco-de-bogota/bogota/nuestra-organizacion/ley-fatca", "source_title": "Banco de Bogotá: FATCA law (Spanish)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "colombia", "row_id": "banco-de-bogota-fatca--colombia" }, { "id": "bancolombia-kyc-fatca", "institution": "bancolombia", "countries": [ "colombia" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "¿Eres residente fiscal o ciudadano en los Estados Unidos u otros países diferentes a Colombia?", "source_url": "https://media.ffycdn.net/us/grupo-bancolombia-arquitectura-y-contenidos/Wpi1rZ2TizK3sddjuKrw.pdf", "source_title": "Bancolombia: Know-your-customer form, individuals (PDF, Spanish)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "colombia", "row_id": "bancolombia-kyc-fatca--colombia" }, { "id": "bncr-forum", "institution": "bncr", "countries": [ "costa-rica" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Having our U.S. Social Security directly deposited to BNCR every month makes things much easier.", "source_url": "https://www.expat.com/en/forum/central-america/costa-rica/1069125-we-could-use-advice-on-opening-a-bank-account.html", "source_title": "Expat.com forum: advice on opening a bank account in Costa Rica", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "rendered copy (site blocks direct fetch)", "country": "costa-rica", "row_id": "bncr-forum--costa-rica" }, { "id": "bcr-fatca", "institution": "bcr", "countries": [ "costa-rica" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "De ser así, se deberá completar el formulario de FATCA (exclusivo para EE. UU.) o la Autocertificación CRS correspondiente.", "source_url": "https://somos.bancobcr.com/blogs/a7301be1-de2b-4eab-821a-81a6e3ad1fac/entry/Informaci%C3%B3n_relacionada_a_FATCA_CRS?lang=en_us", "source_title": "BCR: Information on FATCA/CRS (staff guidance, Spanish)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "rendered copy (site blocks direct fetch)", "country": "costa-rica", "row_id": "bcr-fatca--costa-rica" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "n26-us--france" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "ibkr-priips--france" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "degiro-us-persons--france" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "lightyear-us-persons--france" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "revolut-savings-vaults-us--france" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "saxo-us-persons--france" }, { "id": "scalable-us-persons", "institution": "scalable-capital", "countries": [ "germany", "italy", "spain", "france", "netherlands" ], "product": "Broker / Wealth / Overnight account", "status": "refuses", "note": "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.", "evidence": "You are not subject to US taxation (not a \"US person\" under US tax law).", "source_url": "https://help.scalable.capital/en/account-opening-09f032ac/what-are-the-requirements-to-sign-up-for-scalable-capita-01f87bbc", "source_title": "Scalable Capital FAQ: What are the requirements to sign up?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "scalable-us-persons--france" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "trade-republic-us-persons--france" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "trading212-us-persons--france" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "france", "row_id": "wise-interest-stocks--france" }, { "id": "fondssupermarkt-us", "institution": "fondssupermarkt", "countries": [ "germany" ], "product": "Fund depot for US taxpayers", "status": "open", "note": "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.", "evidence": "Mit FondsSuperMarkt als Fondsvermittler haben Sie als US-Steuerpflichtiger ohne Wohnsitz in den USA trotzdem die Möglichkeit, ein Depot zu eröffnen", "source_url": "https://www.fonds-super-markt.de/konditionen/depot-fuer-us-buerger/", "source_title": "FondsSuperMarkt: Depot für US-Bürger", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "fondssupermarkt-us--germany" }, { "id": "ing-de-us", "institution": "ing-de", "countries": [ "germany" ], "product": "Girokonto / Direkt-Depot", "status": "open", "note": "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.\"", "evidence": "Füllen Sie diesen Abschnitt bitte aus, wenn Sie eine US-Person sind", "source_url": "https://www.ing.de/dokumente/ausfuellhilfe_fatca_crs/", "source_title": "ING Deutschland: Ausfüllhilfe FATCA/CRS (form guide, PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "ing-de-us--germany" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "n26-us--germany" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "ibkr-priips--germany" }, { "id": "consorsbank-w9", "institution": "consorsbank", "countries": [ "germany" ], "product": "Current account / securities depot", "status": "unclear", "note": "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.", "evidence": "Sie brauchen das W-9 Formular, wenn Sie in den USA unbeschränkt steuerpflichtig sind. Mit dem W-9 Formular identifizieren wir sogenannte US-Personen.", "source_url": "https://www.consorsbank.de/web/Wissen/FAQ/steuer/W-9-Formular", "source_title": "Consorsbank FAQ: Wann brauche ich das W-9 Formular?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "other_sources": [ { "title": "Consorsbank: Nutzungshinweise und Disclaimer", "url": "https://www.consorsbank.de/web/Service/Disclaimer", "evidence": "Die Angebote, die Sie auf den Webseiten der Consorsbank finden, richten sich ausdrücklich nicht an Personen in Ländern, die das Vorhalten bzw. den Aufruf der darin eingestellten Inhalte untersagen, insbesondere nicht an US-Personen im Sinne der Regulation S des US Securities Act 1933" }, { "title": "Consorsbank: Steuerinformationen (FATCA)", "url": "https://www.consorsbank.de/web/Service/Steuer", "evidence": "Neukunden müssen zwingend eine Selbstauskunft abgeben, bei US-Bezug (siehe Indizien) ein W9-Formular zur Bestätigung inklusive US-Steuernummer (TIN)." } ], "country": "germany", "row_id": "consorsbank-w9--germany" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "degiro-us-persons--germany" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "lightyear-us-persons--germany" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "revolut-savings-vaults-us--germany" }, { "id": "scalable-us-persons", "institution": "scalable-capital", "countries": [ "germany", "italy", "spain", "france", "netherlands" ], "product": "Broker / Wealth / Overnight account", "status": "refuses", "note": "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.", "evidence": "You are not subject to US taxation (not a \"US person\" under US tax law).", "source_url": "https://help.scalable.capital/en/account-opening-09f032ac/what-are-the-requirements-to-sign-up-for-scalable-capita-01f87bbc", "source_title": "Scalable Capital FAQ: What are the requirements to sign up?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "scalable-us-persons--germany" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "trade-republic-us-persons--germany" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "trading212-us-persons--germany" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "germany", "row_id": "wise-interest-stocks--germany" }, { "id": "hsbc-hk-us", "institution": "hsbc-hk", "countries": [ "hong-kong" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "We regret that we may be unable to open new accounts or offer additional products and services to customers who choose not to comply with FATCA requirements.", "source_url": "https://www.fatca.hsbc.com/en/rbwm/hongkong/frequently-asked-questions", "source_title": "HSBC Hong Kong: FATCA FAQ (Retail Banking and Wealth Management)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "hong-kong", "row_id": "hsbc-hk-us--hong-kong" }, { "id": "hang-seng-us", "institution": "hang-seng", "countries": [ "hong-kong" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "This US Tax Form is provided by an account holder to confirm and certify their US status.", "source_url": "https://www.hangseng.com/en-hk/resources/fatca/", "source_title": "Hang Seng Bank: FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "hong-kong", "row_id": "hang-seng-us--hong-kong" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "n26-us--ireland" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "ibkr-priips--ireland" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "degiro-us-persons--ireland" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "lightyear-us-persons--ireland" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "revolut-savings-vaults-us--ireland" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "trade-republic-us-persons--ireland" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "trading212-us-persons--ireland" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "ireland", "row_id": "wise-interest-stocks--ireland" }, { "id": "hapoalim-fatca", "institution": "bank-hapoalim", "countries": [ "israel" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "I am a U.S. Person (a U.S. citizen and/or resident including a green card holder).", "source_url": "https://www.bankhapoalim.co.il/sites/default/files/media/PDFS/%D7%90%D7%97%D7%95%D7%96%D7%99%D7%9D%20%D7%90%D7%97%D7%99%D7%93%D7%99%D7%9D/fatca_yahid_en.pdf", "source_title": "Bank Hapoalim: FATCA declaration for individuals (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "search index (PDF blocks direct fetch)", "country": "israel", "row_id": "hapoalim-fatca--israel" }, { "id": "leumi-trust-w9", "institution": "bank-leumi", "countries": [ "israel" ], "product": "Trust accounts (beneficiaries)", "status": "open", "note": "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.", "evidence": "נהנה בעל אזרחות אמריקאית/ארץ לידה ארה\"ב/ תושב ארה\"ב לרבות בעל GREEN CARD - יחתום על W-9 (316-95)", "source_url": "https://www.leumi.co.il/he/Articles/50351", "source_title": "Bank Leumi: Trust accounts (Hebrew)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "rendered copy (site blocks direct fetch)", "country": "israel", "row_id": "leumi-trust-w9--israel" }, { "id": "mizrahi-cross-border", "institution": "mizrahi-tefahot", "countries": [ "israel" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "banks and other financial institutions in Israel are required, inter alia, to provide the Israel Tax Authority (ITA), on an annual basis, information with respect to account owners who are U.S. Persons", "source_url": "https://www.mizrahi-tefahot.co.il/en/about-mizrahi-tefahot/cross-border-risk/", "source_title": "Mizrahi-Tefahot: Cross-border risk policy", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "other_sources": [ { "title": "Mizrahi-Tefahot: Cross-border risk policy (same page)", "url": "https://www.mizrahi-tefahot.co.il/en/about-mizrahi-tefahot/cross-border-risk/", "evidence": "The Bank will not open an account, nor will it enable any transaction therein, for a customer who objects to signing a declaration regarding tax residency and waiver of confidentiality" } ], "country": "israel", "row_id": "mizrahi-cross-border--israel" }, { "id": "mizrahi-us-residents-securities", "institution": "mizrahi-tefahot", "countries": [ "israel" ], "product": "Securities services (US residents)", "status": "restricted", "note": "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.", "evidence": "the Bank cannot provide securities services to customers who are U.S. residents, without the receipt of an appropriate license from the U.S. authorities", "source_url": "https://www.mizrahi-tefahot.co.il/en/about-mizrahi-tefahot/cross-border-risk/", "source_title": "Mizrahi-Tefahot: Cross-border risk policy", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "israel", "row_id": "mizrahi-us-residents-securities--israel" }, { "id": "fineco-us", "institution": "fineco", "countries": [ "italy" ], "product": "Conto Fineco (bank + trading)", "status": "open", "note": "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.", "evidence": "Se sei US Person, per completare la richiesta di apertura del conto devi comunicare il Social Security Number ai fini della precompilazione e contestuale sottoscrizione online del modello W9.", "source_url": "https://help.finecobank.com/it/FAQ/FAQ-Banking.html", "source_title": "FinecoBank FAQ Banking: Come indicare nel processo di apri conto se sei una US Person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "fineco-us--italy" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "n26-us--italy" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "ibkr-priips--italy" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "degiro-us-persons--italy" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "lightyear-us-persons--italy" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "revolut-savings-vaults-us--italy" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "saxo-us-persons--italy" }, { "id": "scalable-us-persons", "institution": "scalable-capital", "countries": [ "germany", "italy", "spain", "france", "netherlands" ], "product": "Broker / Wealth / Overnight account", "status": "refuses", "note": "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.", "evidence": "You are not subject to US taxation (not a \"US person\" under US tax law).", "source_url": "https://help.scalable.capital/en/account-opening-09f032ac/what-are-the-requirements-to-sign-up-for-scalable-capita-01f87bbc", "source_title": "Scalable Capital FAQ: What are the requirements to sign up?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "scalable-us-persons--italy" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "trade-republic-us-persons--italy" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "trading212-us-persons--italy" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "italy", "row_id": "wise-interest-stocks--italy" }, { "id": "mufg-us", "institution": "mufg-bank", "countries": [ "japan" ], "product": "Accounts", "status": "open", "note": "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.\"", "evidence": "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", "source_url": "https://www.bk.mufg.jp/ippan/law/fatca.html", "source_title": "MUFG Bank: FATCA のご案内", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "mufg-us--japan" }, { "id": "monex-us", "institution": "monex", "countries": [ "japan" ], "product": "Securities account (opening by post)", "status": "open", "note": "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.", "evidence": "日本国籍をお持ちでも、米国の永住権を保有されている方、米国の滞在日数が年間183日以上の方、日本以外の国にも納税義務がある方は、「 郵送による口座開設 」の対象となります。", "source_url": "https://info.monex.co.jp/account/flow.html", "source_title": "Monex Securities: 口座開設の流れ", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "monex-us--japan" }, { "id": "sbi-shinsei-us", "institution": "sbi-shinsei", "countries": [ "japan" ], "product": "Accounts", "status": "open", "note": "Implied open: SBI Shinsei asks US persons for its designated documents, including consent to report to the IRS.", "evidence": "The Bank will therefore ask its customers who are subject to the provision to present documents designated by the Bank including a consent to the information disclosure.", "source_url": "https://www.sbishinseibank.co.jp/english/procedure/fatca.html", "source_title": "SBI Shinsei Bank: Request to Customers Concerning FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "sbi-shinsei-us--japan" }, { "id": "matsui-us", "institution": "matsui", "countries": [ "japan" ], "product": "US stock account", "status": "restricted", "note": "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.\"", "evidence": "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", "source_url": "https://www.matsui.co.jp/service/regulation/details/pdf/foreign/foreign_kitei.pdf", "source_title": "Matsui Securities: 米国株取引規程 (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "other_sources": [ { "title": "Matsui: 総合口座申込受付基準 (account criteria)", "url": "https://www.matsui.co.jp/apply/account/netstock/", "evidence": "日本国内に居住していること(国籍は問いません)" } ], "country": "japan", "row_id": "matsui-us--japan" }, { "id": "rakuten-us", "institution": "rakuten-securities", "countries": [ "japan" ], "product": "Foreign stocks (incl. US stocks & ETFs)", "status": "restricted", "note": "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.", "evidence": "米国法令上、米国人・グリーンカード保有者（米国永住権所有者）・米国居住者の下記商品のお取引を制限しております。外国株式の全銘柄", "source_url": "https://www.rakuten-sec.co.jp/web/domestic/stock/rule/us_citizenship_caution.html", "source_title": "楽天証券: 米国人・グリーンカード保有者・米国居住者への取引制限について", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "rakuten-us--japan" }, { "id": "sbi-us", "institution": "sbi-securities", "countries": [ "japan" ], "product": "Foreign stock trading account", "status": "restricted", "note": "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.", "evidence": "米国人・グリーンカード（米国永住権）保有者・米国居住者でないお客様。", "source_url": "https://faq.sbisec.co.jp/answer/5ec23e31d31ea500111ec169/", "source_title": "SBI証券 FAQ: 外国株式取引の開始基準はありますか？", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "sbi-us--japan" }, { "id": "smbc-prestia-funds-us", "institution": "smbc-trust-prestia", "countries": [ "japan" ], "product": "Mutual funds (investment trusts)", "status": "restricted", "note": "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.\"", "evidence": "投資信託をお取引いただけません", "source_url": "https://www.smbctb.co.jp/ib_help/investments_and_reports/mutual_funds_service.html", "source_title": "SMBC Trust Bank PRESTIA: 投資信託サービス help", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "smbc-prestia-funds-us--japan" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "japan", "row_id": "saxo-us-persons--japan" }, { "id": "banbajio-fatca", "institution": "banbajio", "countries": [ "mexico" ], "product": "Accounts (cheques, savings, investments, credit cards)", "status": "open", "note": "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.", "evidence": "W9. Para contribuyentes fiscales de Estados Unidos.", "source_url": "https://www.bb.com.mx/cs/BanBajio/home/Enlaces/FATCA/Documentos/Cuestionario%20Fatca.pdf", "source_title": "BanBajío: Preguntas Frecuentes FATCA (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "mexico", "row_id": "banbajio-fatca--mexico" }, { "id": "banorte-fatca", "institution": "banorte", "countries": [ "mexico" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Como parte de la apertura de cuentas o actualización de datos, se le solicitará información la cual se verá reflejada en la Auto certificación FATCA-CRS y, dependiendo de cada caso, documentación adicional.", "source_url": "https://www.banorte.com/GFB/Regulacion-FATCA---CRS/Preguntas-Frecuentes.html", "source_title": "Banorte: Preguntas Frecuentes FATCA/CRS", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "rendered copy (site blocks direct fetch)", "country": "mexico", "row_id": "banorte-fatca--mexico" }, { "id": "hsbc-mx-us", "institution": "hsbc-mx", "countries": [ "mexico" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "Documents may include US tax forms, also referred to as withholding certificates or W-9/W-8BEN forms", "source_url": "https://www.fatca.hsbc.com/en/rbwm/mexico/frequently-asked-questions", "source_title": "HSBC Mexico: FATCA FAQ (Retail Banking and Wealth Management)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "mexico", "row_id": "hsbc-mx-us--mexico" }, { "id": "gbm-foreign-born", "institution": "gbm", "countries": [ "mexico" ], "product": "GBM investment account", "status": "restricted", "note": "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.\"", "evidence": "la app no está habilitada para identificar CURPs de personas nacidas en el extranjero que cuenten con residencia temporal o permanente", "source_url": "https://gbm.com/faqs/por-que-no-puedo-abrir-una-cuenta-si-naci-en-el-extranjero-o-no-soy-mexicano-de-nacimiento/", "source_title": "GBM FAQ: ¿Por qué no puedo abrir una cuenta si nací en el extranjero?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "mexico", "row_id": "gbm-foreign-born--mexico" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "mexico", "row_id": "trading212-us-persons--mexico" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "n26-us--netherlands" }, { "id": "bunq-ssn", "institution": "bunq", "countries": [ "netherlands" ], "product": "Personal account", "status": "open", "note": "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.", "evidence": "U.S. persons must provide a Social Security Number or Certificate of Loss of Nationality to keep their bunq account active.", "source_url": "https://help.bunq.com/articles/should-i-also-provide-my-social-security-number-(ssn)", "source_title": "bunq Help: Should I also provide my Social Security Number (SSN)?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "bunq-ssn--netherlands" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "ibkr-priips--netherlands" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "degiro-us-persons--netherlands" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "lightyear-us-persons--netherlands" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "revolut-savings-vaults-us--netherlands" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "saxo-us-persons--netherlands" }, { "id": "scalable-us-persons", "institution": "scalable-capital", "countries": [ "germany", "italy", "spain", "france", "netherlands" ], "product": "Broker / Wealth / Overnight account", "status": "refuses", "note": "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.", "evidence": "You are not subject to US taxation (not a \"US person\" under US tax law).", "source_url": "https://help.scalable.capital/en/account-opening-09f032ac/what-are-the-requirements-to-sign-up-for-scalable-capita-01f87bbc", "source_title": "Scalable Capital FAQ: What are the requirements to sign up?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "scalable-us-persons--netherlands" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "trade-republic-us-persons--netherlands" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "trading212-us-persons--netherlands" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "netherlands", "row_id": "wise-interest-stocks--netherlands" }, { "id": "banco-general-fatca", "institution": "banco-general", "countries": [ "panama" ], "product": "Accounts", "status": "open", "note": "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).", "evidence": "Una autocertificación (similar al Formulario W-9 del IRS) incluye el nombre, la dirección y el TIN estadounidense del cliente.", "source_url": "https://www.bgeneral.com/wp-content/uploads/2023/08/FAQs%20clientes%20%20FATCA-CRS.pdf", "source_title": "Banco General: FATCA/CRS client FAQ (PDF, Spanish)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "other_sources": [ { "title": "US State Department: Investment Climate Statement, Panama (country-wide context, not about Banco General)", "url": "https://2021-2025.state.gov/report/custom/ca73ffee29/", "evidence": "Regulatory issues have made it difficult for some private U.S. citizens to open bank accounts in Panama" } ], "country": "panama", "row_id": "banco-general-fatca--panama" }, { "id": "bpi-us", "institution": "bpi", "countries": [ "philippines" ], "product": "Accounts", "status": "open", "note": "Implied open: BPI's customer information sheet has an \"I am a U.S. Person\" box and a consent to FATCA reporting.", "evidence": "if I am a US Person or have US indicators that render my account reportable under FATCA, I consent to the reporting", "source_url": "https://www.bpi.com.ph/content/dam/regulatory-pdfs/Fillable_CIS-Individual-%20BPI.pdf", "source_title": "BPI: Customer Information Sheet – Individual (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "philippines", "row_id": "bpi-us--philippines" }, { "id": "bpi-trade-us", "institution": "bpi-trade", "countries": [ "philippines" ], "product": "Online stock trading account", "status": "open", "note": "BPI Trade lists the W-9 as an account-opening requirement for US persons, including dual citizens and green card holders.", "evidence": "W-9 Form – For US person (US citizen including dual citizen or US resident including green card holder).", "source_url": "https://new.bpitrade.com/faq/what-are-the-requirements-to-open-a-bpi-trade-account/", "source_title": "BPI Trade: What are the requirements to open a BPI Trade account?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "philippines", "row_id": "bpi-trade-us--philippines" }, { "id": "hsbc-ph-us", "institution": "hsbc-ph", "countries": [ "philippines" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "The HSBC Group may not open new accounts or offer additional products and services to customers who choose not to comply with HSBC’s requests for documentation to establish a customer’s status under FATCA.", "source_url": "https://www.fatca.hsbc.com/en/rbwm/philippines/frequently-asked-questions", "source_title": "HSBC Philippines: FATCA FAQ (Retail Banking and Wealth Management)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "philippines", "row_id": "hsbc-ph-us--philippines" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "n26-us--portugal" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "ibkr-priips--portugal" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "degiro-us-persons--portugal" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "lightyear-us-persons--portugal" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "revolut-savings-vaults-us--portugal" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "trade-republic-us-persons--portugal" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "trading212-us-persons--portugal" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "portugal", "row_id": "wise-interest-stocks--portugal" }, { "id": "hsbc-sg-us", "institution": "hsbc-sg", "countries": [ "singapore" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "HSBC Group may not open new accounts or offer additional products and services to customers who choose not to comply with HSBC's requests for documentation to establish a customer's status under FATCA.", "source_url": "https://www.fatca.hsbc.com/en/rbwm/singapore/frequently-asked-questions", "source_title": "HSBC Singapore: FATCA FAQ (Retail Banking and Wealth Management)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "singapore", "row_id": "hsbc-sg-us--singapore" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "singapore", "row_id": "degiro-us-persons--singapore" }, { "id": "endowus-us", "institution": "endowus", "countries": [ "singapore" ], "product": "Investment platform", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we are currently unable to open accounts for US persons (US Citizens, US Green Card Holders, or US Tax Residents).", "source_url": "https://help.endowus.com/hc/en-sg/articles/360000512473-Does-Endowus-open-accounts-for-US-citizens-or-US-based-persons-SG", "source_title": "Endowus Help: Does Endowus open accounts for US citizens or US-based persons? (updated 19 Feb 2025)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "singapore", "row_id": "endowus-us--singapore" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "singapore", "row_id": "saxo-us-persons--singapore" }, { "id": "stashaway-sg-us", "institution": "stashaway", "countries": [ "singapore" ], "product": "Robo-advisor portfolios", "status": "refuses", "note": "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.", "evidence": "US tax residents have not been accepted (search-index summary of the official help article)", "source_url": "https://www.stashaway.sg/help-center/115001845214-im-a-us-tax-resident-can-i-open-an-account", "source_title": "StashAway Singapore: I'm a US Tax Resident; can I open an account?", "confidence": "official", "verified_via": "search index (answer rendered client-side)", "last_confirmed": "2026-10-19", "country": "singapore", "row_id": "stashaway-sg-us--singapore" }, { "id": "syfe-us", "institution": "syfe", "countries": [ "singapore" ], "product": "Managed portfolios / brokerage / cash", "status": "refuses", "note": "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.", "evidence": "Due to regulatory restrictions, Syfe's offerings are currently not available to US citizens or US residents.", "source_url": "https://help.syfe.com/hc/en-us/articles/50702075613465-Can-I-open-an-account-if-I-am-not-a-Singaporean", "source_title": "Syfe Help: Can I open an account if I am not a Singaporean?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "singapore", "row_id": "syfe-us--singapore" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "singapore", "row_id": "wise-interest-stocks--singapore" }, { "id": "n26-us", "institution": "n26", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "we're still obliged to treat you as a U.S. Person, unless we receive the following from you", "source_url": "https://support.n26.com/en-fr/account-and-personal-details/taxes/am-i-liable-to-tax-in-the-united-states", "source_title": "N26 Support: Am I liable to tax in the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "n26-us--spain" }, { "id": "openbank-us", "institution": "openbank", "countries": [ "spain" ], "product": "Accounts", "status": "open", "note": "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.\"", "evidence": "Si es Persona estadounidense, por favor indique Estados Unidos en la columna de país(es) de residencia, junto con su US TIN", "source_url": "https://www.openbank.es/assets/static/pdf/Pie%20de%20P%C3%A1gina/Formulario%20CRS-FATCA%20personas%20f%C3%ADsicas.224-1%20(3).pdf", "source_title": "Openbank: Formulario CRS-FATCA personas físicas (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "openbank-us--spain" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "ibkr-priips--spain" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "degiro-us-persons--spain" }, { "id": "indexa-us", "institution": "indexa-capital", "countries": [ "spain" ], "product": "Fund portfolios / pension plans", "status": "refuses", "note": "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.", "evidence": "No abrimos cuentas a clientes con nacionalidad estadounidense (US person)", "source_url": "https://support.indexacapital.com/es/esp/apertura-cuenta-otros-paises", "source_title": "Indexa Capital Support: Inversión para residentes fuera de la UE...", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "indexa-us--spain" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "lightyear-us-persons--spain" }, { "id": "revolut-savings-vaults-us", "institution": "revolut", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "Savings Vaults (Revolut Bank UAB, partner-bank deposits)", "status": "refuses", "note": "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.", "evidence": "are not US citizens according to the tax laws of the USA (FATCA)", "source_url": "https://cdn.revolut.com/terms_and_conditions/pdf/savings_vaults_partner_terms_35654ffc_1.0.1_1762244932_en.pdf", "source_title": "Revolut: Savings Vaults partner terms (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "revolut-savings-vaults-us--spain" }, { "id": "scalable-us-persons", "institution": "scalable-capital", "countries": [ "germany", "italy", "spain", "france", "netherlands" ], "product": "Broker / Wealth / Overnight account", "status": "refuses", "note": "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.", "evidence": "You are not subject to US taxation (not a \"US person\" under US tax law).", "source_url": "https://help.scalable.capital/en/account-opening-09f032ac/what-are-the-requirements-to-sign-up-for-scalable-capita-01f87bbc", "source_title": "Scalable Capital FAQ: What are the requirements to sign up?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "scalable-us-persons--spain" }, { "id": "trade-republic-us-persons", "institution": "trade-republic", "countries": [ "germany", "france", "spain", "italy", "netherlands", "ireland", "portugal" ], "product": "Securities & cash account", "status": "refuses", "note": "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.", "evidence": "US persons aren't eligible to open an account with us. In a nutshell, we don't accept customers who are US citizens or who are taxable persons in the United States (known as FATCA customers).", "source_url": "https://support.traderepublic.com/en-nl/729-Can-I-open-a-securities-account-if-I-am-a-US-person", "source_title": "Trade Republic Support: Can I open an account if I'm from the United States?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "trade-republic-us-persons--spain" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "trading212-us-persons--spain" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "spain", "row_id": "wise-interest-stocks--spain" }, { "id": "postfinance-us", "institution": "postfinance", "countries": [ "switzerland" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Affected customers will be asked by PostFinance whether the information to be reported pursuant to FATCA", "source_url": "https://www.postfinance.ch/en/about-us/company/investor-relations/corporate-governance/compliance/aeoi-fatca.html", "source_title": "PostFinance: AEOI and FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "postfinance-us--switzerland" }, { "id": "degiro-us-persons", "institution": "degiro", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "switzerland", "australia", "singapore" ], "product": "Brokerage account", "status": "refuses", "note": "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.", "evidence": "Unfortunately, we cannot offer our services to you if you are a US person.", "source_url": "https://www.degiro.com/uk/helpdesk/become-client/can-i-become-client-us-person", "source_title": "DEGIRO Helpdesk: Can I become a client as a US person?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "degiro-us-persons--switzerland" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "saxo-us-persons--switzerland" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "trading212-us-persons--switzerland" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "wise-interest-stocks--switzerland" }, { "id": "yuh-us", "institution": "yuh", "countries": [ "switzerland" ], "product": "Yuh account (banking + trading)", "status": "refuses", "note": "Yuh (Swissquote + PostFinance) says it will refuse to open your account if you give it information or documents showing you're a US person.", "evidence": "If you request the opening of an account and provide to the Bank information and/or document(s) confirming that you are a US person, the Bank will refuse to open your account.", "source_url": "https://www.yuh.com/en/help/fatca/", "source_title": "Yuh: FATCA explained (Q8)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "yuh-us--switzerland" }, { "id": "neon-us", "institution": "neon", "countries": [ "switzerland" ], "product": "neon account", "status": "refuses", "note": "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.", "evidence": "be a resident for tax purposes exclusively in Switzerland", "source_url": "https://www.neon-free.ch/en/faq/what-are-the-requirements-to-open-a-neon-account", "source_title": "neon FAQ: What are the requirements to open a neon account?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "switzerland", "row_id": "neon-us--switzerland" }, { "id": "bangkok-bank-us", "institution": "bangkok-bank", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Form W-9 to verify their US person or juristic status and identify their Tax Identification Number (TIN)", "source_url": "https://www.bangkokbank.com/-/media/Files/Personal/Other-Services/Branch-Services/International-Branches/ExpatBooklet_Jan2017.ashx?hash=15587776FB3E6C04F9DE10BC2742AFE153E20D44&la=en", "source_title": "Bangkok Bank: Expat Booklet (Jan 2017, PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "bangkok-bank-us--thailand" }, { "id": "bangkok-bank-reader-2026-10", "institution": "bangkok-bank", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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).", "evidence": "Reader report: Bangkok Bank opens accounts for US citizens (reporter is \"pretty sure\").", "source_type": "reader-report", "source_url": null, "source_title": "Reader report from Bangkok (2026-10-19), not yet confirmed by the bank", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "reader report", "country": "thailand", "row_id": "bangkok-bank-reader-2026-10--thailand" }, { "id": "bangkok-bank-foreigner-rules-2025", "institution": "bangkok-bank", "countries": [ "thailand" ], "product": "New deposit accounts (foreigners)", "status": "open", "note": "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.", "evidence": "To open new deposit accounts, the bank now requires applicants to hold long-term visas, be married to Thai nationals or own property in Thailand, among other criteria.", "source_url": "https://www.bangkokpost.com/business/general/3036585/bangkok-bank-tightens-account-rules-for-some-foreigners", "source_title": "Bangkok Post: Bangkok Bank tightens account rules for some foreigners (28 May 2025)", "confidence": "reported", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "bangkok-bank-foreigner-rules-2025--thailand" }, { "id": "kbank-reader-2026-10", "institution": "kbank", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Reader report: Kasikornbank opens accounts for US citizens (reporter is \"pretty sure\").", "source_type": "reader-report", "source_url": null, "source_title": "Reader report from Bangkok (2026-10-19), not yet confirmed by the bank", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "reader report", "country": "thailand", "row_id": "kbank-reader-2026-10--thailand" }, { "id": "kbank-fatca-crs", "institution": "kbank", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "FATCA law requires financial institutions to report the financial account information of U.S. persons and entities to the U.S. tax authorities via the Thai Revenue Department.", "source_url": "https://www.kasikornbank.com/th/Download/Level4_doc/FAQ-Regarding-FATCA-CRS-Update-for-Entity-en.pdf", "source_title": "KBank: FAQ Regarding FATCA/CRS Update (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "search index (KBank blocks automated fetch)", "other_sources": [ { "title": "Expat Tax Thailand: CRS/FATCA information requested by Thai banks (KBank email, Nov 2024)", "url": "https://www.expattaxthailand.com/crs-information-request-thai-banks/", "evidence": "Kasikorn Bank (KBank) has requested compliance information from customers, including details under the Common Reporting Standard (CRS) and FATCA (for US citizens)." } ], "country": "thailand", "row_id": "kbank-fatca-crs--thailand" }, { "id": "kbank-forum-2025", "institution": "kbank", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "Kasikorn gave me an appointment for Friday and said I just needed a rental agreement in addition to my visa and passport and I should be good.", "source_url": "https://ask.in.th/question/what-banks-in-bangkok-are-recommended-for-americans-with-a-non-o-visa-to-open-a-bank-account", "source_title": "Ask Thailand forum: banks in Bangkok for Americans with a Non-O visa (May 2025)", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "kbank-forum-2025--thailand" }, { "id": "krungsri-fatca", "institution": "krungsri", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.)", "evidence": "Form W-9 to verity their U.S. individual or juristic status and identify their Tax Identification Number (TIN)", "source_url": "https://www.krungsri.com/en/about-krungsri/about-us/corporate-governance/corporategovernance-principles", "source_title": "Krungsri: Corporate governance principles (FATCA Q&A)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "rendered copy (site blocks direct fetch)", "country": "thailand", "row_id": "krungsri-fatca--thailand" }, { "id": "krungthai-fatca", "institution": "krungthai", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "report to the Internal Revenue Service: IRS about financial information and transactions of US accounts held by individual US citizens and US-Owned Foreign Entity", "source_url": "https://krungthai.com/en/content/about-ktb/corporate-governance/fatca", "source_title": "Krungthai Bank: FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "rendered copy (site blocks direct fetch)", "country": "thailand", "row_id": "krungthai-fatca--thailand" }, { "id": "scb-forum-2025", "institution": "scb", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "I use Bangkok Bank and SCB. Never an issue.", "source_url": "https://ask.in.th/question/what-banks-in-bangkok-are-recommended-for-americans-with-a-non-o-visa-to-open-a-bank-account", "source_title": "Ask Thailand forum: banks in Bangkok for Americans with a Non-O visa (May 2025)", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "other_sources": [ { "title": "Ask Thailand forum (same thread)", "url": "https://ask.in.th/question/what-banks-in-bangkok-are-recommended-for-americans-with-a-non-o-visa-to-open-a-bank-account", "evidence": "SCB with nonO and thai driving licence no need to waste time getting residency cert" } ], "country": "thailand", "row_id": "scb-forum-2025--thailand" }, { "id": "scb-forum-w9-2014", "institution": "scb", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "had to fill out a W-9 (standard US form titled \"Request for Taxpayer Identification Number and Certification\") and another internal SCB form", "source_url": "https://www.gayguides.com/topic/9685-fatca-compliance-at-scb-for-us-citizens/", "source_title": "Forum: FATCA compliance at SCB for US citizens (Sept 2014)", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "scb-forum-w9-2014--thailand" }, { "id": "ttb-us", "institution": "ttb", "countries": [ "thailand" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "FATCA form (W-9) - For juristic and personal to declare American nationality/ related to American", "source_url": "https://www.ttbbank.com/th/sme/sme-digital-banking-and-other-services/other-service-sme/fatca", "source_title": "ttb: FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "ttb-us--thailand" }, { "id": "bangkok-bank-forum-2025", "institution": "bangkok-bank", "countries": [ "thailand" ], "product": "Accounts", "status": "unclear", "note": "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.", "evidence": "Bangkok Bank said new accounts for property owners only.", "source_url": "https://ask.in.th/question/what-banks-in-bangkok-are-recommended-for-americans-with-a-non-o-visa-to-open-a-bank-account", "source_title": "Ask Thailand forum: banks in Bangkok for Americans with a Non-O visa (May 2025)", "confidence": "community", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "bangkok-bank-forum-2025--thailand" }, { "id": "stashaway-th-us", "institution": "stashaway", "countries": [ "thailand" ], "product": "Robo-advisor portfolios", "status": "refuses", "note": "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.", "evidence": "US citizens cannot open an account at the moment (search-index summary of the official help article)", "source_url": "https://www.stashaway.co.th/help-center/4405204417945-im-a-us-tax-resident-can-i-open-an-account", "source_title": "StashAway Thailand: I'm a US Tax Resident; can I open an account?", "confidence": "official", "verified_via": "search index (answer rendered client-side)", "last_confirmed": "2026-10-19", "country": "thailand", "row_id": "stashaway-th-us--thailand" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "thailand", "row_id": "trading212-us-persons--thailand" }, { "id": "adib-us", "institution": "adib", "countries": [ "uae" ], "product": "Accounts", "status": "open", "note": "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.", "evidence": "If you fail to respond to ADIB's requests for FATCA self-certification or any other required documentation to identify and verify your tax status, then ADIB will not be able to open an account for you", "source_url": "https://www.adib.ae/en/Pages/FATCA.aspx", "source_title": "ADIB: FATCA", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "adib-us--uae" }, { "id": "emirates-nbd-us", "institution": "emirates-nbd", "countries": [ "uae" ], "product": "Accounts and savings", "status": "open", "note": "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.", "evidence": "U.S. Persons are and remain welcome in UAE Banks for accounts and savings as long as they are willing to comply with the FATCA obligations.", "source_url": "https://www.emiratesnbd.com/-/media/enbd/files/pdf/facta-crs/fact-faq.pdf", "source_title": "Emirates NBD: FATCA FAQ (PDF)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "emirates-nbd-us--uae" }, { "id": "hsbc-uae-us", "institution": "hsbc-uae", "countries": [ "uae" ], "product": "Personal accounts", "status": "open", "note": "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.", "evidence": "The HSBC Group may not open new accounts or offer additional products and services to customers who choose not to comply with HSBC’s requests for documentation to establish a customer’s status under FATCA.", "source_url": "https://www.fatca.hsbc.com/en/rbwm/uae/frequently-asked-questions", "source_title": "HSBC UAE: FATCA FAQ (Retail Banking and Wealth Management)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "hsbc-uae-us--uae" }, { "id": "mashreq-us", "institution": "mashreq", "countries": [ "uae" ], "product": "Deposit and investment accounts", "status": "open", "note": "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.", "evidence": "fill the appropriate IRS Form (W-9 for U.S. persons and W-8 BEN for Non U.S. persons)", "source_url": "https://www.mashreqalislami.com/en/uae/neo/faq/fatca-faqs/", "source_title": "Mashreq Neo: FATCA FAQs", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "mashreq-us--uae" }, { "id": "sarwa-us", "institution": "sarwa", "countries": [ "uae" ], "product": "Invest / Trade / Save", "status": "refuses", "note": "One of Sarwa's eligibility requirements is that you are not a US citizen, US resident or US tax resident.", "evidence": "Are not a U.S. citizen, U.S. resident, or U.S. tax resident", "source_url": "https://help.sarwa.co/hc/en-us/articles/4407324496017-Who-can-open-a-Sarwa-account", "source_title": "Sarwa Help: Who can open a Sarwa account?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "sarwa-us--uae" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "saxo-us-persons--uae" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "uae", "row_id": "trading212-us-persons--uae" }, { "id": "chase-uk-us", "institution": "chase-uk", "countries": [ "united-kingdom" ], "product": "Current account", "status": "open", "note": "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.", "evidence": "Just so you know, if you're a US citizen or resident, we may follow up for more information after receiving your tax self certification form.", "source_url": "https://www.chase.co.uk/gb/en/support/confirming-your-tax-residence/", "source_title": "Chase UK: Confirming your tax residence", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "chase-uk-us--united-kingdom" }, { "id": "starling-us", "institution": "starling", "countries": [ "united-kingdom" ], "product": "Personal current account", "status": "open", "note": "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.", "evidence": "If you're eligible to open a Starling account and you're also a US person, FATCA doesn't affect how you use your Starling account.", "source_url": "https://help.starlingbank.com/personal/topics/your-tax-residency/what-are-the-foreign-account-tax-compliance-act-fatca-and-common-reporting-standard-crs/", "source_title": "Starling Help: What are FATCA and CRS?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "search index (help page renders client-side)", "country": "united-kingdom", "row_id": "starling-us--united-kingdom" }, { "id": "moneyfarm-us", "institution": "moneyfarm", "countries": [ "united-kingdom" ], "product": "Investment ISA / GIA / pension", "status": "existing_only", "note": "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.", "evidence": "Moneyfarm has made the decision to not accept further US persons as customers.", "source_url": "https://www.moneyfarm.com/uk/contact-us/", "source_title": "Moneyfarm UK: FAQ (I am a US Citizen, can I invest with Moneyfarm?)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "moneyfarm-us--united-kingdom" }, { "id": "hl-us-citizens", "institution": "hargreaves-lansdown", "countries": [ "united-kingdom" ], "product": "Fund & Share Account / transfers", "status": "restricted", "note": "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.", "evidence": "If you're a US citizen, it's not possible to transfer online. Instead, please contact us so we can help with your transfer.", "source_url": "https://www.hl.co.uk/investment-services/transferring-your-existing-investments/transfer-now", "source_title": "Hargreaves Lansdown: Transfer Now (+ 'Buying overseas shares' help page)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "hl-us-citizens--united-kingdom" }, { "id": "ibkr-priips", "institution": "interactive-brokers", "countries": [ "germany", "united-kingdom", "france", "netherlands", "spain", "portugal", "italy", "ireland" ], "product": "US-listed ETFs (e.g. VOO, VTI)", "status": "restricted", "note": "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.", "evidence": "U.S. clients are not impacted by PRIIPs, so the issuers of U.S. listed ETFs usually do not create KIDs. This means that EEA and UK retail clients do not have access to such products.", "source_url": "https://www.interactivebrokers.com/lib/cstools/faq/content/1136192471", "source_title": "IBKR FAQ: PRIIPs regulation", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "ibkr-priips--united-kingdom" }, { "id": "ajbell-us", "institution": "aj-bell", "countries": [ "united-kingdom" ], "product": "SIPP, ISA, Lifetime ISA, Junior ISA, Dealing Account", "status": "refuses", "note": "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.", "evidence": "you won't be able to open a SIPP if you're a US or Canadian citizen", "source_url": "https://intercom.help/aj-bell-youinvest/en/articles/8750564-can-i-open-an-aj-bell-account", "source_title": "AJ Bell Help Centre: Can I open an AJ Bell account?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "other_sources": [ { "title": "AJ Bell: Terms and conditions (PDF), clauses 25.4 and 26.2", "url": "https://www.ajbell.co.uk/sites/ajbell/files/Terms_and_conditions.pdf", "evidence": "a USA citizen, a USA resident for tax purposes" } ], "country": "united-kingdom", "row_id": "ajbell-us--united-kingdom" }, { "id": "freetrade-us", "institution": "freetrade", "countries": [ "united-kingdom" ], "product": "Investment account / ISA / SIPP", "status": "refuses", "note": "Freetrade says it isn't available to US citizens or anyone with dual US citizenship, citing 'stricter US tax laws'.", "evidence": "At the moment, due to stricter US tax laws, Freetrade isn't available to US citizens or anyone who holds dual US citizenship.", "source_url": "https://help.freetrade.io/en/articles/2750455-is-freetrade-available-to-us-citizens", "source_title": "Freetrade Support: Is Freetrade available to US citizens?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "freetrade-us--united-kingdom" }, { "id": "lightyear-us-persons", "institution": "lightyear", "countries": [ "germany", "france", "netherlands", "spain", "portugal", "italy", "ireland", "united-kingdom" ], "product": "Investment account", "status": "refuses", "note": "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.", "evidence": "If you are a tax resident or citizen of the United States, or if certain legal or regulatory restrictions apply in other cases.", "source_url": "https://lightyear.com/en-eu/help/getting-verified/what-services-do-you-offer-and-who-is-eligible", "source_title": "Lightyear Help: What services do you offer and who is eligible?", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "lightyear-us-persons--united-kingdom" }, { "id": "nutmeg-us", "institution": "nutmeg", "countries": [ "united-kingdom" ], "product": "Robo-advisor portfolios / ISA / pension", "status": "refuses", "note": "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.", "evidence": "We do not provide Portfolios or services to US Persons.", "source_url": "https://www.personalinvesting.jpmorgan.com/legal/terms-and-conditions-2024", "source_title": "J.P. Morgan Personal Investing (Nutmeg) Terms and Conditions", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "nutmeg-us--united-kingdom" }, { "id": "saxo-us-persons", "institution": "saxo", "countries": [ "united-kingdom", "switzerland", "netherlands", "france", "italy", "singapore", "uae", "japan" ], "product": "Trading & investment accounts", "status": "refuses", "note": "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.", "evidence": "Saxo is unable to offer services to individuals or entities classified as US persons due to regulatory constraints.", "source_url": "https://www.help.saxo/hc/en-us/articles/360054499492-Can-a-US-person-have-an-account-with-Saxo", "source_title": "Saxo Help Center: Can a US person have an account with Saxo? (updated March 23, 2026)", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "saxo-us-persons--united-kingdom" }, { "id": "trading212-us-persons", "institution": "trading-212", "countries": [ "united-kingdom", "mexico", "thailand", "uae", "italy", "australia", "germany", "netherlands", "portugal", "france", "spain", "ireland", "switzerland" ], "product": "Invest / CFD / ISA / SIPP", "status": "refuses", "note": "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.", "evidence": "A US person includes US citizens, individuals born in the US, US residents (green card holders), and individuals with US tax obligations. Trading 212 does not offer accounts to US persons.", "source_url": "https://helpcentre.trading212.com/hc/en-us/articles/35746373810205-Confirming-your-identity-and-tax-details-during-account-setup", "source_title": "Trading 212 Help Centre: Confirming your identity and tax details", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "trading212-us-persons--united-kingdom" }, { "id": "vanguard-uk-us", "institution": "vanguard-uk", "countries": [ "united-kingdom" ], "product": "ISA / General Account / Personal Pension", "status": "refuses", "note": "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)'.", "evidence": "I am a US person (for example a US citizen or US resident).", "source_url": "https://www.vanguardinvestor.co.uk/investment-information/target-market", "source_title": "Vanguard UK Investor: Target market", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "vanguard-uk-us--united-kingdom" }, { "id": "wise-interest-stocks", "institution": "wise", "countries": [ "germany", "united-kingdom", "france", "netherlands", "switzerland", "spain", "portugal", "italy", "ireland", "canada", "australia", "singapore" ], "product": "Wise Interest & Stocks features", "status": "refuses", "note": "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.", "evidence": "Not yet. Because of how our fund partner is regulated we can't onboard US citizens/tax payers. You can't switch your currencies and Jars to Interest or Stocks if you have US dual citizenship either.", "source_url": "https://wise.com/help/articles/4yTOVZoBSKOYyXrbnYRk5K/who-can-use-interest-and-stocks", "source_title": "Wise Help Centre: Who can use Interest and Stocks", "confidence": "official", "last_confirmed": "2026-10-19", "verified_via": "direct fetch", "country": "united-kingdom", "row_id": "wise-interest-stocks--united-kingdom" } ], "institutions": [ { "id": "wise", "name": "Wise", "type": "fintech", "hq": "United Kingdom", "website": "https://wise.com", "affiliate_slot": "wise" }, { "id": "revolut", "name": "Revolut", "type": "fintech", "hq": "United Kingdom", "website": "https://www.revolut.com" }, { "id": "interactive-brokers", "name": "Interactive Brokers (IBKR)", "type": "broker", "hq": "United States", "website": "https://www.interactivebrokers.com", "affiliate_slot": "ibkr" }, { "id": "fidelity", "name": "Fidelity Investments (US)", "type": "broker", "hq": "United States", "website": "https://www.fidelity.com" }, { "id": "schwab", "name": "Charles Schwab / Schwab International", "type": "broker", "hq": "United States", "website": "https://international.schwab.com" }, { "id": "vanguard-us", "name": "Vanguard (US)", "type": "broker", "hq": "United States", "website": "https://investor.vanguard.com" }, { "id": "betterment", "name": "Betterment", "type": "robo-advisor", "hq": "United States", "website": "https://www.betterment.com" }, { "id": "wealthfront", "name": "Wealthfront", "type": "robo-advisor", "hq": "United States", "website": "https://www.wealthfront.com" }, { "id": "firstrade", "name": "Firstrade", "type": "broker", "hq": "United States", "website": "https://www.firstrade.com" }, { "id": "saxo", "name": "Saxo", "type": "broker", "hq": "Denmark", "website": "https://www.home.saxo" }, { "id": "degiro", "name": "DEGIRO", "type": "broker", "hq": "Netherlands", "website": "https://www.degiro.com" }, { "id": "trade-republic", "name": "Trade Republic", "type": "broker", "hq": "Germany", "website": "https://traderepublic.com" }, { "id": "scalable-capital", "name": "Scalable Capital", "type": "broker", "hq": "Germany", "website": "https://de.scalable.capital" }, { "id": "trading-212", "name": "Trading 212", "type": "broker", "hq": "United Kingdom", "website": "https://www.trading212.com" }, { "id": "lightyear", "name": "Lightyear", "type": "broker", "hq": "Estonia", "website": "https://lightyear.com" }, { "id": "consorsbank", "name": "Consorsbank", "type": "bank", "hq": "Germany", "website": "https://www.consorsbank.de" }, { "id": "fondssupermarkt", "name": "FondsSuperMarkt", "type": "fund platform", "hq": "Germany", "website": "https://www.fonds-super-markt.de" }, { "id": "bunq", "name": "bunq", "type": "bank", "hq": "Netherlands", "website": "https://www.bunq.com" }, { "id": "freetrade", "name": "Freetrade", "type": "broker", "hq": "United Kingdom", "website": "https://freetrade.io" }, { "id": "vanguard-uk", "name": "Vanguard UK Personal Investor", "type": "fund platform", "hq": "United Kingdom", "website": "https://www.vanguardinvestor.co.uk" }, { "id": "hargreaves-lansdown", "name": "Hargreaves Lansdown", "type": "broker", "hq": "United Kingdom", "website": "https://www.hl.co.uk" }, { "id": "nutmeg", "name": "Nutmeg (J.P. Morgan Personal Investing)", "type": "robo-advisor", "hq": "United Kingdom", "website": "https://www.personalinvesting.jpmorgan.com" }, { "id": "moneyfarm", "name": "Moneyfarm", "type": "robo-advisor", "hq": "United Kingdom", "website": "https://www.moneyfarm.com/uk/" }, { "id": "yuh", "name": "Yuh", "type": "fintech", "hq": "Switzerland", "website": "https://www.yuh.com" }, { "id": "fineco", "name": "FinecoBank", "type": "bank", "hq": "Italy", "website": "https://finecobank.com" }, { "id": "indexa-capital", "name": "Indexa Capital", "type": "robo-advisor", "hq": "Spain", "website": "https://indexacapital.com" }, { "id": "wealthsimple", "name": "Wealthsimple", "type": "fintech", "hq": "Canada", "website": "https://www.wealthsimple.com" }, { "id": "questrade", "name": "Questrade", "type": "broker", "hq": "Canada", "website": "https://www.questrade.com" }, { "id": "superhero", "name": "Superhero", "type": "broker", "hq": "Australia", "website": "https://www.superhero.com.au" }, { "id": "commsec", "name": "CommSec (Commonwealth Bank)", "type": "broker", "hq": "Australia", "website": "https://www.commsec.com.au" }, { "id": "rakuten-securities", "name": "Rakuten Securities (楽天証券)", "type": "broker", "hq": "Japan", "website": "https://www.rakuten-sec.co.jp" }, { "id": "sbi-securities", "name": "SBI Securities (SBI証券)", "type": "broker", "hq": "Japan", "website": "https://www.sbisec.co.jp" }, { "id": "syfe", "name": "Syfe", "type": "robo-advisor", "hq": "Singapore", "website": "https://www.syfe.com" }, { "id": "endowus", "name": "Endowus", "type": "robo-advisor", "hq": "Singapore", "website": "https://endowus.com" }, { "id": "stashaway", "name": "StashAway", "type": "robo-advisor", "hq": "Singapore", "website": "https://www.stashaway.sg" }, { "id": "sarwa", "name": "Sarwa", "type": "robo-advisor", "hq": "United Arab Emirates", "website": "https://www.sarwa.co" }, { "id": "n26", "name": "N26", "type": "bank", "hq": "Germany", "website": "https://n26.com" }, { "id": "starling", "name": "Starling Bank", "type": "bank", "hq": "United Kingdom", "website": "https://www.starlingbank.com" }, { "id": "chase-uk", "name": "Chase UK", "type": "bank", "hq": "United Kingdom", "website": "https://www.chase.co.uk" }, { "id": "ing-de", "name": "ING Germany (ING-DiBa)", "type": "bank", "hq": "Germany", "website": "https://www.ing.de" }, { "id": "postfinance", "name": "PostFinance", "type": "bank", "hq": "Switzerland", "website": "https://www.postfinance.ch" }, { "id": "neon", "name": "neon", "type": "fintech", "hq": "Switzerland", "website": "https://www.neon-free.ch" }, { "id": "aj-bell", "name": "AJ Bell", "type": "broker", "hq": "United Kingdom", "website": "https://www.ajbell.co.uk" }, { "id": "openbank", "name": "Openbank", "type": "bank", "hq": "Spain", "website": "https://www.openbank.es" }, { "id": "ttb", "name": "ttb (TMBThanachart Bank)", "type": "bank", "hq": "Thailand", "website": "https://www.ttbbank.com" }, { "id": "bangkok-bank", "name": "Bangkok Bank", "type": "bank", "hq": "Thailand", "website": "https://www.bangkokbank.com" }, { "id": "gbm", "name": "GBM", "type": "broker", "hq": "Mexico", "website": "https://gbm.com" }, { "id": "emirates-nbd", "name": "Emirates NBD", "type": "bank", "hq": "United Arab Emirates", "website": "https://www.emiratesnbd.com" }, { "id": "mashreq", "name": "Mashreq", "type": "bank", "hq": "United Arab Emirates", "website": "https://www.mashreq.com" }, { "id": "mufg-bank", "name": "MUFG Bank", "type": "bank", "hq": "Japan", "website": "https://www.bk.mufg.jp" }, { "id": "sbi-shinsei", "name": "SBI Shinsei Bank", "type": "bank", "hq": "Japan", "website": "https://www.sbishinseibank.co.jp" }, { "id": "smbc-trust-prestia", "name": "SMBC Trust Bank (PRESTIA)", "type": "bank", "hq": "Japan", "website": "https://www.smbctb.co.jp" }, { "id": "matsui", "name": "Matsui Securities", "type": "broker", "hq": "Japan", "website": "https://www.matsui.co.jp" }, { "id": "monex", "name": "Monex Securities", "type": "broker", "hq": "Japan", "website": "https://info.monex.co.jp" }, { "id": "td", "name": "TD Canada Trust", "type": "bank", "hq": "Canada", "website": "https://www.td.com/ca/en/personal-banking" }, { "id": "hsbc-hk", "name": "HSBC Hong Kong", "type": "bank", "hq": "Hong Kong", "website": "https://www.hsbc.com.hk" }, { "id": "hang-seng", "name": "Hang Seng Bank", "type": "bank", "hq": "Hong Kong", "website": "https://www.hangseng.com" }, { "id": "bpi", "name": "BPI (Bank of the Philippine Islands)", "type": "bank", "hq": "Philippines", "website": "https://www.bpi.com.ph" }, { "id": "bpi-trade", "name": "BPI Trade (BPI Securities)", "type": "broker", "hq": "Philippines", "website": "https://new.bpitrade.com" }, { "id": "kbank", "name": "Kasikornbank (KBank)", "type": "bank", "hq": "Thailand", "website": "https://www.kasikornbank.com" }, { "id": "krungsri", "name": "Krungsri (Bank of Ayudhya)", "type": "bank", "hq": "Thailand", "website": "https://www.krungsri.com" }, { "id": "krungthai", "name": "Krungthai Bank", "type": "bank", "hq": "Thailand", "website": "https://krungthai.com" }, { "id": "scb", "name": "SCB (Siam Commercial Bank)", "type": "bank", "hq": "Thailand", "website": "https://www.scb.co.th" }, { "id": "bank-hapoalim", "name": "Bank Hapoalim", "type": "bank", "hq": "Israel", "website": "https://www.bankhapoalim.co.il" }, { "id": "mizrahi-tefahot", "name": "Mizrahi-Tefahot Bank", "type": "bank", "hq": "Israel", "website": "https://www.mizrahi-tefahot.co.il" }, { "id": "bank-leumi", "name": "Bank Leumi", "type": "bank", "hq": "Israel", "website": "https://www.leumi.co.il" }, { "id": "bcr", "name": "Banco de Costa Rica (BCR)", "type": "bank", "hq": "Costa Rica", "website": "https://www.bancobcr.com" }, { "id": "bncr", "name": "Banco Nacional de Costa Rica (BN)", "type": "bank", "hq": "Costa Rica", "website": "https://www.bncr.fi.cr" }, { "id": "banco-general", "name": "Banco General", "type": "bank", "hq": "Panama", "website": "https://www.bgeneral.com" }, { "id": "bancolombia", "name": "Bancolombia", "type": "bank", "hq": "Colombia", "website": "https://www.bancolombia.com" }, { "id": "banco-de-bogota", "name": "Banco de Bogotá", "type": "bank", "hq": "Colombia", "website": "https://www.bancodebogota.com" }, { "id": "hsbc-mx", "name": "HSBC Mexico", "type": "bank", "hq": "Mexico", "website": "https://www.hsbc.com.mx" }, { "id": "banorte", "name": "Banorte", "type": "bank", "hq": "Mexico", "website": "https://www.banorte.com" }, { "id": "banbajio", "name": "BanBajío", "type": "bank", "hq": "Mexico", "website": "https://www.bb.com.mx" }, { "id": "hsbc-au", "name": "HSBC Australia", "type": "bank", "hq": "Australia", "website": "https://www.hsbc.com.au" }, { "id": "stake", "name": "Stake", "type": "broker", "hq": "Australia", "website": "https://hellostake.com/au" }, { "id": "eq-bank", "name": "EQ Bank (Equitable Bank)", "type": "bank", "hq": "Canada", "website": "https://www.eqbank.ca" }, { "id": "hsbc-ph", "name": "HSBC Philippines", "type": "bank", "hq": "Philippines", "website": "https://www.hsbc.com.ph" }, { "id": "hsbc-sg", "name": "HSBC Singapore", "type": "bank", "hq": "Singapore", "website": "https://www.hsbc.com.sg" }, { "id": "hsbc-uae", "name": "HSBC UAE", "type": "bank", "hq": "United Arab Emirates", "website": "https://www.hsbc.ae" }, { "id": "adib", "name": "Abu Dhabi Islamic Bank (ADIB)", "type": "bank", "hq": "United Arab Emirates", "website": "https://www.adib.ae" } ], "countries": [ { "slug": "germany", "name": "Germany", "flag": "🇩🇪", "region": "EU/EEA", "eea": true }, { "slug": "united-kingdom", "name": "United Kingdom", "flag": "🇬🇧", "region": "Europe (non-EU)", "eea": false, "priips": true }, { "slug": "france", "name": "France", "flag": "🇫🇷", "region": "EU/EEA", "eea": true }, { "slug": "netherlands", "name": "Netherlands", "flag": "🇳🇱", "region": "EU/EEA", "eea": true }, { "slug": "switzerland", "name": "Switzerland", "flag": "🇨🇭", "region": "Europe (non-EU)", "eea": false }, { "slug": "spain", "name": "Spain", "flag": "🇪🇸", "region": "EU/EEA", "eea": true }, { "slug": "portugal", "name": "Portugal", "flag": "🇵🇹", "region": "EU/EEA", "eea": true }, { "slug": "italy", "name": "Italy", "flag": "🇮🇹", "region": "EU/EEA", "eea": true }, { "slug": "ireland", "name": "Ireland", "flag": "🇮🇪", "region": "EU/EEA", "eea": true }, { "slug": "canada", "name": "Canada", "flag": "🇨🇦", "region": "North America", "eea": false }, { "slug": "mexico", "name": "Mexico", "flag": "🇲🇽", "region": "North America", "eea": false }, { "slug": "australia", "name": "Australia", "flag": "🇦🇺", "region": "Asia-Pacific", "eea": false }, { "slug": "japan", "name": "Japan", "flag": "🇯🇵", "region": "Asia-Pacific", "eea": false }, { "slug": "singapore", "name": "Singapore", "flag": "🇸🇬", "region": "Asia-Pacific", "eea": false }, { "slug": "thailand", "name": "Thailand", "flag": "🇹🇭", "region": "Asia-Pacific", "eea": false }, { "slug": "uae", "name": "United Arab Emirates", "flag": "🇦🇪", "region": "Middle East", "eea": false }, { "slug": "hong-kong", "name": "Hong Kong", "flag": "🇭🇰", "region": "Asia-Pacific", "eea": false }, { "slug": "philippines", "name": "Philippines", "flag": "🇵🇭", "region": "Asia-Pacific", "eea": false }, { "slug": "israel", "name": "Israel", "flag": "🇮🇱", "region": "Middle East", "eea": false }, { "slug": "costa-rica", "name": "Costa Rica", "flag": "🇨🇷", "region": "Latin America", "eea": false }, { "slug": "panama", "name": "Panama", "flag": "🇵🇦", "region": "Latin America", "eea": false }, { "slug": "colombia", "name": "Colombia", "flag": "🇨🇴", "region": "Latin America", "eea": false } ] }