Living outside the United States doesn’t mean you have to lose access to the U.S. stock market. Many global brokerage platforms allow American expats to trade U.S. equities, ETFs, and even international securities. The best international brokerage accounts offer low fees, strong regulation, easy mobile access, and tax-friendly reporting tools. Whether you are an active trader or a long-term investor, choosing the right broker is important for maintaining financial flexibility abroad. Below are the top 10 international brokerage accounts for U.S. citizens living overseas, based on global accessibility, reliability, and investor convenience.
1. Interactive Brokers LLC
Interactive Brokers LLC is widely regarded as one of the best international brokerage accounts for U.S. citizens living abroad. It offers access to over 150 global markets, including U.S. stocks, ETFs, options, and forex trading. The platform is known for its ultra-low commissions and advanced trading tools. Experienced investors love its professional-grade charting and algorithmic trading features. Expats can maintain their accounts even when residing outside the U.S., which is a huge advantage. While the interface may feel complex for beginners, the cost efficiency and global reach make it extremely attractive for serious investors.
2. Charles Schwab & Co., Inc. (International Account)
Charles Schwab & Co., Inc. is a favorite among American expats because it offers a dedicated international brokerage solution. The Schwab International account allows U.S. citizens overseas to invest in U.S. markets without monthly maintenance fees. It also provides excellent customer service and strong regulatory protection. One standout benefit is unlimited free online stock and ETF trading for U.S. accounts. Additionally, Schwab offers ATM fee reimbursements worldwide, which is helpful for travelers. The platform is beginner-friendly and highly trusted, making it a safe choice for long-term investors living abroad.
3. Fidelity Investments Global Investing
Fidelity Investments offers one of the strongest research ecosystems for long-term investors. U.S. citizens abroad can maintain accounts and invest in U.S. equities, mutual funds, and ETFs. Fidelity is well known for its zero-commission stock trading and excellent educational resources. The platform provides powerful retirement planning tools, which is helpful for expats thinking about long-term financial security. Customer service is highly rated compared to many online brokers. While some international restrictions may apply depending on residency, Fidelity remains a reliable and respected global investing option.
4. E*TRADE Financial Corporation Global Trading Account
E*TRADE Financial Corporation is another excellent choice for Americans living overseas who want active trading capabilities. The platform offers commission-free stock and ETF trading and provides advanced tools for options traders. Its mobile app is intuitive and widely used by global investors. Research reports and market insights are strong, helping users make informed investment decisions. The account opening process is relatively simple for U.S. citizens. However, residency requirements may vary depending on your current country, so checking eligibility before applying is recommended.
5. Saxo Bank A/S
Saxo Bank A/S is popular among expat investors who want access to global multi-asset trading. It supports U.S. stocks, European markets, bonds, and forex products. The SaxoTraderGO platform is known for its clean interface and professional analysis tools. One advantage is the wide international market coverage, making it suitable for globally diversified portfolios. However, minimum deposit requirements may be higher compared to some U.S. brokers. Fees are generally competitive for active traders. If you want global investment exposure from a single account, Saxo is worth considering.
6. Morgan Stanley Access Direct
Morgan Stanley Access Direct is a premium brokerage service offering professional investment management features. Although traditionally known for wealth management, the online platform now supports self-directed investors. U.S. citizens abroad can benefit from institutional-level research reports and a strong security infrastructure. The platform is especially suitable for high-net-worth individuals who want a reputable global financial brand. Fees may be higher than discount brokers, but the service quality is excellent. If you value stability, reputation, and premium research, Morgan Stanley is a solid choice.
7. HSBC Holdings plc Expat Investment Services
HSBC Holdings plc provides one of the best integrated banking and investment solutions for expats. U.S. citizens living abroad can access global wealth management products through HSBC Expat services. The platform is especially useful if you want to combine offshore banking with investing. It supports multiple currencies and international fund options. Customer service is available across many countries. However, account eligibility may depend on your residency status. If you prefer a traditional global bank with investment capabilities, HSBC is a practical and safe choice.
8. Vanguard Group, Inc. International Investing
Vanguard Group, Inc. is famous for low-cost index investing. U.S. citizens abroad can usually maintain existing accounts, though opening new accounts from certain countries may be restricted. Vanguard is ideal for passive investors who prefer ETFs and long-term retirement strategies. Expense ratios are among the lowest in the industry. The platform is simple and straightforward, focusing more on investment performance than advanced trading features. If your strategy is buy-and-hold wealth accumulation, Vanguard is one of the best options available.
9. Firstrade Securities Inc.
Firstrade Securities Inc. is a popular zero-commission brokerage for cost-conscious expats. The platform offers U.S. stock, ETF, and options trading with no base trading fees. Account management is relatively simple, making it suitable for beginners. Educational materials are available for new investors learning about markets. While research tools are not as advanced as premium brokers, the low-cost structure is attractive. U.S. citizens abroad who want affordable trading with essential features often choose Firstrade.
10. TD Ameritrade, Inc. (Legacy Global Users)
Before its integration into Schwab, TD Ameritrade, Inc. was highly popular among international traders, especially for its advanced Thinkorswim platform. Existing users may still operate accounts depending on migration status. The platform is excellent for technical analysis, options strategies, and active trading. Expats who already use TD Ameritrade often transition to Schwab accounts over time. If you are a legacy user, check the latest account policy since service structures are evolving after the acquisition.
Conclusion
Choosing the best international brokerage account depends on your investment style, residency, and fee tolerance. For global trading power, Interactive Brokers stands out, while Charles Schwab and Fidelity are excellent for U.S. expats seeking reliability and ease of use. Passive investors may prefer Vanguard, whereas active traders might enjoy Saxo Bank or Thinkorswim tools. Always verify account eligibility based on your country of residence. With the right brokerage, U.S. citizens abroad can continue building wealth, managing portfolios, and staying connected to global markets without hassle.