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Acorns International Availability for Non-U.S. Citizens
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Acorns For Non-U.S. Residents
Acorns does NOT accept account applications from people who are not U.S. citizens or other lawful U.S. residents currently located in the United States
(including many EU citizens and most applicants living abroad).
Alternatives to Acorns For Non-U.S. Residents
If you are not eligible for Acorns, you may still be able to trade stocks and other securities listed on U.S.
exchanges. One possible alternative is a brokerage account at ZacksTrade.
Free ZacksTrade Account
Visit ZacksTrade Website
Acorns Available Countries
Acorns’ availability is generally limited to the United States. Acorns is generally not available
in Europe or in other countries outside the USA.
Acorns Complaints
Are you thinking about opening a brokerage account with Acorns? Some of the firm’s current and former customers have raised several complaints about it. We’ve done some research for you, and here are the results:
Acorns’ Software Doesn’t Always Perform Round-Ups
The foundation of Acorns’ business model is its round-up program. Clients make purchases with debit/credit cards, the transactions are rounded up to the nearest whole dollar, and the spare change is deposited into an Acorns account. Some customers have complained that this service doesn’t always work. Acorns’ solution of unlinking a card and re-linking it after 72 hours apparently doesn’t always fix the issue.
Clients who don’t get round-ups have accused Acorns of nevertheless charging a monthly fee, which is supposed to pay for the round-up service.
One customer reported that a single round-up transaction resulted in multiple debits from the linked bank account.
Problems with the Monthly Fee
Customers have complained that they weren’t aware of the company’s fee or that the app they downloaded didn’t clearly list it. Acorns does charge a monthly subscription fee, and the current plans start at $3 and go up to $12 depending on the service tier.
Problems with Linked Bank Account
Some Acorns clients have grumbled that they had difficulty unlinking a checking account from their Acorns account, or that the monthly Acorns fee caused their linked bank account to go into negative territory; and this in turn resulted in overdraft fees, which Acorns refused to reimburse.
Mediocre Customer Service
Acorns clients have criticized the broker for the service they received when trying to resolve one problem or another. For example, one customer claimed that they requested Acorns to close their account, only to discover that Acorns continued withdrawing monthly account fees after the request.
Other account holders have lamented that support can be hard to reach or slow to resolve issues. We checked the website and found that Acorns does publish a customer-service phone number.
There is a Question & Answer section on Acorns’ website, and here we were able to find many commonly asked questions with answers from the broker. Nevertheless, there still appears to be a lack of contact channels compared with some other brokerage firms.
Customers have reported sending e-mails to customer service without getting any response. One client complained that they were required to use an e-mail form to report fraud, something that should be reported immediately.
Account Performance
Some customers have protested that their account balance went down even during a bull market. How could this happen? Acorns’ core portfolios are built from ETFs that cover large-cap U.S. stocks, mid-cap stocks, small-cap stocks, international stocks, short-term bonds, and U.S. aggregate bonds; depending on the portfolio, there can also be a Bitcoin-linked ETF, plus Acorns’ monthly account fee. Depending on the portfolio allocations, there could be a drop in value.
Updated on 4/3/2026.
Chad Morris is a financial writer with more than 20 years experience
as both an English teacher and an avid trader. When he isn’t writing
expert content for Brokerage-Review.com, Chad can usually be found
managing his portfolio or building a new home computer.
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