Recent changes

Policy changes, source updates and dataset releases. Policy-change alerts go to newsletter subscribers first.

Automated source check, 2026-10-19: 30 unchanged, 1 flagged for review, 12 unreachable/blocked (manual check needed).
  • 2026-10-19correction · AJ Bell
    AJ Bell changed from "restricted" to "refuses"

    We had said AJ Bell's SIPP has no US exclusion. AJ Bell's help centre says "you won't be able to open a SIPP if you're a US or Canadian citizen", and its terms already barred US citizens and US tax residents from its ISAs and Dealing Account. US citizens can't open any AJ Bell account, so the entry is now "refuses". Source

  • 2026-10-19added
    New countries: Hong Kong and the Philippines

    Added Hong Kong (HSBC Hong Kong, Hang Seng Bank) and the Philippines (BPI, BPI Trade), sourced from each institution's own FATCA pages and account-opening forms. Source

  • 2026-10-19added · N26
    Added N26: opens accounts to US persons

    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. Source

  • 2026-10-19added · Starling Bank
    Added Starling Bank: opens accounts to US persons

    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. Source

  • 2026-10-19added · Chase UK
    Added Chase UK: opens accounts to US persons

    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. Source

  • 2026-10-19added · ING Germany (ING-DiBa)
    Added ING Germany (ING-DiBa): opens accounts to US persons

    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." Source

  • 2026-10-19added · PostFinance
    Added PostFinance: opens accounts to US persons

    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. Source

  • 2026-10-19added · neon
    Added neon: does not accept US persons

    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. Source

  • 2026-10-19added · AJ Bell
    Added AJ Bell: restricts some products for US persons

    AJ Bell's terms bar US citizens and US tax residents from the ISA, Lifetime ISA, Junior ISA and Dealing Account. The SIPP section has no such US exclusion (only Canadian residents are barred), so a SIPP may still be possible. Source

  • 2026-10-19added · Openbank
    Added Openbank: opens accounts to US persons

    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." Source

  • 2026-10-19added · Revolut
    Added Revolut Savings Vaults (EEA): not open to US citizens

    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. Source

  • 2026-10-19added · ttb (TMBThanachart Bank)
    Added ttb (TMBThanachart Bank): opens accounts to US persons

    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. Source

  • 2026-10-19added · Bangkok Bank
    Added Bangkok Bank: opens accounts to US persons

    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. Source

  • 2026-10-19added · GBM
    Added GBM: restricts some products for US persons

    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." Source

  • 2026-10-19added · Emirates NBD
    Added Emirates NBD: opens accounts to US persons

    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. Source

  • 2026-10-19added · Mashreq
    Added Mashreq: opens accounts to US persons

    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. Source

  • 2026-10-19added · MUFG Bank
    Added MUFG Bank: opens accounts to US persons

    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." Source

  • 2026-10-19added · SBI Shinsei Bank
    Added SBI Shinsei Bank: opens accounts to US persons

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

  • 2026-10-19added · SMBC Trust Bank (PRESTIA)
    Added SMBC Trust Bank (PRESTIA): restricts some products for US persons

    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." Source

  • 2026-10-19added · Matsui Securities
    Added Matsui Securities: restricts some products for US persons

    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." Source

  • 2026-10-19added · Monex Securities
    Added Monex Securities: opens accounts to US persons

    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. Source

  • 2026-10-19added · TD Canada Trust
    Added TD Canada Trust: opens accounts to US persons

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

  • 2026-10-19added · HSBC Hong Kong
    Added HSBC Hong Kong: opens accounts to US persons

    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. Source

  • 2026-10-19added · Hang Seng Bank
    Added Hang Seng Bank: opens accounts to US persons

    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. Source

  • Added BPI (Bank of the Philippine Islands): opens accounts to US persons

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

  • 2026-10-19added · BPI Trade (BPI Securities)
    Added BPI Trade (BPI Securities): opens accounts to US persons

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

  • 2026-10-19correction · Consorsbank
    Consorsbank changed from "opens new accounts" to "unclear / conflicting"

    Consorsbank's tax FAQ explains W-9 paperwork for US persons, which implies it serves them, but its website disclaimer says its offers are expressly not directed at US persons as defined in Regulation S. Until Consorsbank confirms, we list it as unclear, with both sources. Source

  • 2026-10-19site
    Expat Money Map v1 dataset published

    First public seed: 39 sourced policy statements covering 36 institutions and 16 countries. Every entry links to its source and shows a last-confirmed date.

  • 2026-03-23source-updated · Saxo
    Saxo re-confirms it can't serve US persons

    Saxo's help-centre article was updated on 23 March 2026 and still says Saxo can't offer services to US persons, including US citizens living outside the US. Source

  • 2025-02-19source-updated · Endowus
    Endowus (SG) points US persons to LEO Wealth

    Endowus updated its article: it still can't open accounts for US persons, and it now refers them to the cross-border adviser LEO Wealth for a referral fee. Source

  • 2024-05-01source-updated · Firstrade
    Firstrade: no new applications from US citizens abroad

    Firstrade's help article dated 1 May 2024 says it doesn't accept new applications from US citizens or permanent residents living abroad. Source

  • 2021-08-16policy-change · Nutmeg (J.P. Morgan Personal Investing)
    Nutmeg closes accounts held by US citizens

    International Adviser, citing the Mail on Sunday, reported that in July 2021 Nutmeg emailed US citizen and US tax-resident customers to say their accounts would be closed. Source

  • 2021-03-01policy-change · Moneyfarm
    Moneyfarm stops onboarding US persons

    Moneyfarm's FAQ says US persons who opened accounts before March 2021 can keep them while UK-resident, and that it no longer accepts further US persons. In July 2016 it had announced 'MoneyFarm welcomes Americans'. Date approximate: month only. Source

  • 2018-01-01policy-change · Interactive Brokers (IBKR)
    PRIIPs: US-listed ETFs blocked for EEA/UK retail investors

    The EU PRIIPs Regulation took effect on 1 January 2018. Brokers such as IBKR must block retail clients in the EEA and UK from buying products without a KID, which covers most US-listed ETFs. This is why US citizens in Europe often can't buy VOO or VTI. Source

  • 2016-07-04policy-change · Moneyfarm
    Moneyfarm announces 'MoneyFarm welcomes Americans'

    On Independence Day 2016, Moneyfarm published a post welcoming American customers. It reversed this in 2021. Source