Which banks and brokers still accept Americans abroad?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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