https://usexpatbanks.com/changes/2026-10-19T00:00:00Zhttps://usexpatbanks.com/changes/#2026-10-19-aj-bell2026-10-19T00:00:00Z

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".

https://usexpatbanks.com/changes/#2026-10-19-site2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-n262026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-starling2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-chase-uk2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-ing-de2026-10-19T00:00:00Z

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."

https://usexpatbanks.com/changes/#2026-10-19-postfinance2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-neon2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-aj-bell2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-openbank2026-10-19T00:00:00Z

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."

https://usexpatbanks.com/changes/#2026-10-19-revolut2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-ttb2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-bangkok-bank2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-gbm2026-10-19T00:00:00Z

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."

https://usexpatbanks.com/changes/#2026-10-19-emirates-nbd2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-mashreq2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-mufg-bank2026-10-19T00:00:00Z

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."

https://usexpatbanks.com/changes/#2026-10-19-sbi-shinsei2026-10-19T00:00:00Z

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

https://usexpatbanks.com/changes/#2026-10-19-smbc-trust-prestia2026-10-19T00:00:00Z

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."

https://usexpatbanks.com/changes/#2026-10-19-matsui2026-10-19T00:00:00Z

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."

https://usexpatbanks.com/changes/#2026-10-19-monex2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-td2026-10-19T00:00:00Z

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

https://usexpatbanks.com/changes/#2026-10-19-hsbc-hk2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-hang-seng2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-bpi2026-10-19T00:00:00Z

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

https://usexpatbanks.com/changes/#2026-10-19-bpi-trade2026-10-19T00:00:00Z

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

https://usexpatbanks.com/changes/#2026-10-19-consorsbank2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-10-19-site2026-10-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2026-03-23-saxo2026-03-23T00:00:00Z

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.

https://usexpatbanks.com/changes/#2025-02-19-endowus2025-02-19T00:00:00Z

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.

https://usexpatbanks.com/changes/#2024-05-01-firstrade2024-05-01T00:00:00Z

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

https://usexpatbanks.com/changes/#2021-08-16-nutmeg2021-08-16T00:00:00Z

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.

https://usexpatbanks.com/changes/#2021-03-01-moneyfarm2021-03-01T00:00:00Z

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.

https://usexpatbanks.com/changes/#2018-01-01-interactive-brokers2018-01-01T00:00:00Z

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.

https://usexpatbanks.com/changes/#2016-07-04-moneyfarm2016-07-04T00:00:00Z

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