Opening a U.S. Personal Bank Account from Abroad

[Nicholas Van Orton]

https://www.velobank.com/

The US brand of East West bank (Luxembourg), which, if I remember correctly, has some Russian origin or ties. Have you successfully opened with them? What's (was) your experience? They seem to require a (potentially refundable) fee of $300, payable after a successful onboarding (not before).

 

[yngmind]

I really need a personal USD ACH account.

 

[Clank]

I really need a personal USD ACH account.

Many credit unions will open online with ITIN.

 

[yngmind]

I do have ITIN, could you send links to banks that will open an account for me?

Many credit unions will open online with ITIN.

 

[Clank]

I do have ITIN, could you send links to banks that will open an account for me?

NFCU but you need a referral code of another member that vouches for you, as you are not in the Army.

You need US Address, phone number, ITIN and open an account using a VPN in the US.

I also have an account at Chase but for daily use I prefer NFCU, they also offer credit cards with security deposit that you can use to build history and later get a better one.

 

[Choosing7269]

I opened Revolut US and Go2Bank remotely. Wouldn't use them for anything serious, but they can be helpful for services that accept US cards only or require a US bank statement for address proof.

Revolut is asking for a Visa along with a passport or Visa with Driver's License. Did you have a visa? How were you able to open without it.

 

[xnpu]

Wow, that's interesting, did you use the US address there? Did they ask you for residency proof? Revolut usually asks for an id or residency visa.

I used a US address for which I have no proof. All I have is an ITIN and an eSIM.

Not many people talk about using an US eSIM, but it was a game changer for me. I have an eSIM from Mint and when I update my address in the Mint app, the roaming IP changes to one in the area of that address. A lot of card applications that failed for me previously, both with and without VPN, succeeded once I figured that out. I'm not sure whether this mattered for Revolut and Go2Bank though, as I had not tried those previously.

 

[Clank]

I used a US address for which I have no proof. All I have is an ITIN and an eSIM.

Not many people talk about using an US eSIM, but it was a game changer for me. I have an eSIM from Mint and when I update my address in the Mint app, the roaming IP changes to one in the area of that address. A lot of card applications that failed for me previously, both with and without VPN, succeeded once I figured that out. I'm not sure whether this mattered for Revolut and Go2Bank though, as I had not tried those previously.

If definitely does, US banks check the IP address when opening (only) and if you have one from abroad they might reject or ask for National ID or Green Card as proof.

 

[Piano]

I used a US address for which I have no proof. All I have is an ITIN and an eSIM.

Not many people talk about using an US eSIM, but it was a game changer for me. I have an eSIM from Mint and when I update my address in the Mint app, the roaming IP changes to one in the area of that address. A lot of card applications that failed for me previously, both with and without VPN, succeeded once I figured that out. I'm not sure whether this mattered for Revolut and Go2Bank though, as I had not tried those previously.

That is really interesting..

 

[yngmind]

I used a US address for which I have no proof. All I have is an ITIN and an eSIM.

Not many people talk about using an US eSIM, but it was a game changer for me. I have an eSIM from Mint and when I update my address in the Mint app, the roaming IP changes to one in the area of that address. A lot of card applications that failed for me previously, both with and without VPN, succeeded once I figured that out. I'm not sure whether this mattered for Revolut and Go2Bank though, as I had not tried those previously.

That's interesting. When did you open a Revolut account?

Can any other members confirm that it works? I know that Revolut asks for proof of residency, such as a driver's license, green card, or passport.

I believe that once you receive any noticeable amount of money, they will ask you for proof of residency in the U.S.

 

[xnpu]

I opened Revolut US on December 20th last year.

I've passed through only a few thousand. Its main purpose (for me) is verifying other accounts/cards where Wise or my Schwab brokerage fail to be accepted for this purpose.

 

[yngmind]

Revolut is strict, they take down the accounts of EEA residents who have moved to other countries based on the IP address.

 

[psvunited]

I recently opened a US Business Revolut account without using any VPN strats. Currently in SEA..

Are you not able to just open a Wise business account including a personal one?