[ { "slug": "wise", "name": "Wise (formerly TransferWise)", "type": "multi-currency-account", "headquartersCountry": "united-kingdom", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria", "russia" ], "openingRequirements": [ "Government-issued photo ID", "Proof of address (in some countries)", "Valid email address", "Phone number" ], "monthlyFeeUSD": 0, "currencies": 40, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Wise offers local bank account details in 10+ currencies (USD, EUR, GBP, AUD, CAD, SGD, NZD, RON, HUF, TRY) and mid-market exchange rates with transparent fees. Extremely popular with digital nomads and expats for its ease of opening remotely, low transfer fees, and multi-currency debit card. US persons can open accounts and receive ACH/wire transfers. Business accounts support invoicing and batch payments. No monthly fees on personal accounts; the Wise card charges a small one-time issuance fee.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted; FATCA-compliant; full personal + business account access." }, { "nationality_slug": "uk", "accepted": true, "notes": "Full access; UK is a core market." }, { "nationality_slug": "eu", "accepted": true, "notes": "Full EEA access; local IBANs available in most EU countries." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals restricted post-February 2022 due to OFAC/UK sanctions compliance; existing accounts suspended or closed." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals generally accepted; CNY not a held currency but transfers supported." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC SDN list; Iran is a comprehensively sanctioned jurisdiction." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted with enhanced due diligence; some activity types restricted due to FATF grey-list status." } ] }, { "slug": "revolut", "name": "Revolut", "type": "digital-bank", "headquartersCountry": "united-kingdom", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria", "russia", "belarus" ], "openingRequirements": [ "Government-issued photo ID", "Selfie/liveness check", "Valid phone number", "Residential address" ], "monthlyFeeUSD": 0, "currencies": 36, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Revolut is a UK-based fintech offering spending accounts in 36+ currencies, crypto trading, stock trading, and travel insurance on premium tiers. The free Standard plan includes currency exchange up to a monthly limit at interbank rates; paid plans (Plus, Premium, Metal) remove caps and add perks like lounge access and cashback. Available in 40+ countries including the US (as Revolut Bank with FDIC insurance on US accounts). Business accounts include multi-user access, expense management, and API integrations. Account closures for suspected fraud or compliance issues have been a noted user concern.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted via Revolut Bank USA (FDIC-insured); separate app from European product." }, { "nationality_slug": "uk", "accepted": true, "notes": "Core market; full feature access." }, { "nationality_slug": "eu", "accepted": true, "notes": "Full EEA access; Lithuanian banking licence underpins EU accounts." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals blocked post-February 2022; Belarus nationals also restricted." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted where Revolut operates (40+ countries); residence in a supported country required." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC/EU sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — OFAC/EU Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted where residency is in a supported country; enhanced due diligence likely." } ] }, { "slug": "n26", "name": "N26", "type": "digital-bank", "headquartersCountry": "germany", "acceptsNonResidents": false, "acceptsUSPersons": false, "restrictedNationalities": [ "united-states", "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "EU/EEA/CH residential address", "Government-issued photo ID", "Video or NFC-based identity verification", "Valid phone number" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "N26 is a German mobile bank licensed by BaFin and operating across the EU/EEA and Switzerland. It requires a residential address in a supported country and does not accept US persons or non-resident applicants. The free tier provides a Mastercard debit card and fee-free EUR transactions; paid tiers (Smart, You, Metal) add travel insurance, ATM withdrawals, and cashback. Business accounts (N26 Business) earn 0.1% cashback on purchases. N26 exited the US and UK markets; it operates exclusively in eurozone and select European countries.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons categorically excluded; N26 exited the US market in January 2022 and will not open accounts for US nationals." }, { "nationality_slug": "uk", "accepted": false, "notes": "N26 exited the UK market in April 2020; UK nationals cannot open accounts." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU/EEA nationals with an address in a supported country (24 European markets) are the primary customer base." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals blocked; N26 complies with EU sanctions packages." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted if resident in a supported EU/EEA country with a valid address." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — EU/OFAC sanctions; Iran on restricted list." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — EU/OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted if EU-resident; EU sanctions target specific individuals, not the full nationality." } ] }, { "slug": "chase-uk", "name": "Chase UK", "type": "digital-bank", "headquartersCountry": "united-kingdom", "acceptsNonResidents": false, "acceptsUSPersons": false, "restrictedNationalities": [ "united-states" ], "openingRequirements": [ "UK residential address", "UK phone number", "Government-issued photo ID", "Age 18+" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": false, "summary": "Chase UK is JPMorgan Chase's digital banking offering in the United Kingdom, launched in 2021. It provides a GBP current account with 1% cashback on most purchases (capped at GBP 15/month), competitive savings rates, and fee-free international spending at Mastercard exchange rates. Accounts are protected by the FSCS up to GBP 85,000. Requires UK residency and a UK phone number; not available to US persons or non-UK residents. No business accounts are offered. Chase UK positions itself as a premium everyday spending account with strong cashback rewards.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons explicitly excluded; US nationality triggers FATCA obligations Chase UK declines." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK residents only; nationality secondary to residency requirement." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted if UK-resident with a valid UK address and phone number." }, { "nationality_slug": "russia", "accepted": true, "notes": "Russian nationals accepted if UK-resident; subject to individual sanctions screening." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted if UK-resident." }, { "nationality_slug": "iran", "accepted": false, "notes": "Iranian nationals blocked — OFAC/UK sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Cuban nationals blocked — OFAC/UK sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "North Korean nationals blocked — OFAC/UK/UN sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Syrian nationals blocked — OFAC/UK sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Myanmar nationals accepted if UK-resident; specific individuals on UK sanctions list screened." } ] }, { "slug": "hsbc-expat", "name": "HSBC Expat", "type": "traditional-bank", "headquartersCountry": "jersey", "acceptsNonResidents": true, "acceptsUSPersons": false, "restrictedNationalities": [ "united-states", "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "Minimum deposit or salary requirement (typically USD 75,000 equivalent or GBP 50,000 salary)", "Certified government-issued photo ID", "Certified proof of address", "Employer letter or proof of expat status", "Source of funds documentation" ], "monthlyFeeUSD": 35, "currencies": 19, "debitCardAvailable": true, "businessAccountAvailable": false, "summary": "HSBC Expat is headquartered in Jersey (Channel Islands) and specifically designed for internationally mobile individuals. It offers multi-currency accounts in 19 currencies, international mortgage services, global investment products, and the ability to open accounts before relocating. Monthly fee is waived for customers maintaining a qualifying balance or salary credit. Does not accept US persons due to FATCA compliance complexity. Strong proposition for HSBC Premier customers moving internationally as account history transfers globally. FSCS protection does not apply; deposits are protected under the Jersey Banking Depositor Compensation Scheme up to GBP 50,000.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons declined — HSBC Expat (Jersey) will not take on US person clients due to FATCA complexity and compliance costs." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals are a primary target market, especially those relocating internationally." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted; minimum deposit or salary threshold applies." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals blocked post-2022 sanctions; HSBC Group-wide policy." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted with enhanced due diligence; HSBC has strong Greater China presence." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — UN/UK/EU/OFAC Iran sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — UN/OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — UN/EU/OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted with enhanced due diligence; HSBC has significant Myanmar exposure historically." } ] }, { "slug": "interactive-brokers", "name": "Interactive Brokers", "type": "brokerage", "headquartersCountry": "united-states", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "Government-issued photo ID", "Proof of address", "Tax identification number (SSN for US persons, or foreign TIN)", "W-8BEN or W-9 tax form", "Financial background questionnaire" ], "monthlyFeeUSD": 0, "currencies": 23, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Interactive Brokers is a US-regulated broker-dealer that also functions as a multi-currency cash management account. It accepts clients from 200+ countries and territories, including US persons worldwide. The IBKR Global Trader and IBKR Pro accounts support 23 currencies with excellent FX conversion rates (near interbank). The debit card (via IB) enables spending from brokerage cash. Particularly valuable for expats who want to invest in global markets while maintaining USD cash. SIPC protection up to USD 500,000 on securities; additional Lloyd's of London coverage available. No minimum balance required for IBKR Lite.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "Fully accepted; US persons are core clients; W-9 required; SIPC + FDIC protection applies." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals fully accepted via IBKR UK (FCA-regulated)." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted via IBKR Ireland (CBI-regulated); 200+ countries served." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals restricted post-2022; IBKR suspended new account openings for Russian residents; existing accounts subject to limitations." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted; IBKR operates in Hong Kong and accepts mainland Chinese clients via HK entity." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC Iran sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted; IBKR serves 200+ countries including FATF grey-list jurisdictions with enhanced KYC." } ] }, { "slug": "schwab-international", "name": "Charles Schwab International", "type": "brokerage", "headquartersCountry": "united-states", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria", "canada" ], "openingRequirements": [ "US Social Security Number or ITIN", "US mailing address at time of opening (foreign address accepted for maintenance)", "Government-issued photo ID", "W-9 tax form" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": false, "summary": "Charles Schwab's international checking account (via Schwab Bank) is the gold standard for US expats and frequent travelers. The Schwab Investor Checking account refunds all ATM fees worldwide with no foreign transaction fees, making it ideal for withdrawing local currency abroad. Requires a US SSN or ITIN and a US address at account opening (many expats use a friend or family address). USD-only; not a multi-currency account. Integrated with Schwab brokerage for seamless investing. FDIC-insured up to USD 250,000. No monthly fees or minimum balances. Widely regarded as the best bank account for Americans living or traveling abroad.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons only — Schwab International Checking requires US SSN or ITIN; designed exclusively for American expats and travellers." }, { "nationality_slug": "uk", "accepted": false, "notes": "Non-US persons cannot open accounts; UK nationals ineligible without a US SSN/ITIN." }, { "nationality_slug": "eu", "accepted": false, "notes": "EU nationals ineligible; US tax identification number is a hard requirement." }, { "nationality_slug": "russia", "accepted": false, "notes": "Non-US persons ineligible; Russian nationals further excluded by OFAC considerations." }, { "nationality_slug": "china", "accepted": false, "notes": "Non-US persons ineligible; Chinese nationals cannot open accounts." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC sanctions + non-US person exclusion." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions + non-US person exclusion." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions + non-US person exclusion." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — OFAC Syria sanctions + non-US person exclusion." }, { "nationality_slug": "myanmar", "accepted": false, "notes": "Non-US persons ineligible." } ] }, { "slug": "standard-chartered", "name": "Standard Chartered", "type": "traditional-bank", "headquartersCountry": "united-kingdom", "acceptsNonResidents": true, "acceptsUSPersons": false, "restrictedNationalities": [ "united-states", "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "Government-issued photo ID", "Proof of address", "Minimum deposit (varies by country: typically USD 1,000–25,000)", "Employment or income documentation", "Source of funds declaration for higher tiers" ], "monthlyFeeUSD": 10, "currencies": 12, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Standard Chartered operates across 59 markets primarily in Asia, Africa, and the Middle East, making it a strong choice for expats in those regions. Priority and Private Banking clients benefit from multi-currency accounts, preferential FX rates, and global account opening at select branches. The SC Mobile app enables cross-border transfers within the SC network at reduced cost. Does not accept US persons. Minimum deposits and fees vary significantly by country and account tier. Particularly well-regarded for accounts in Singapore, Hong Kong, UAE, and across Southeast Asia. Business accounts available in most markets with trade finance capabilities.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons declined — Standard Chartered does not accept US persons as account holders due to FATCA compliance burden." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals accepted across SC markets; strong presence in Asia, Africa, Middle East." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted; varies by operating country." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals restricted post-2022 SWIFT/UK/EU sanctions; SC has wound down Russia exposure." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted; SC has strong Greater China presence (HK, Shanghai, Beijing)." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — UN/UK/EU/OFAC sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — UN/OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — UN/EU/OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "SC historically operated in Myanmar; accepted with enhanced due diligence and individual sanctions screening." } ] }, { "slug": "dbs-singapore", "name": "DBS Bank Singapore", "type": "traditional-bank", "headquartersCountry": "singapore", "acceptsNonResidents": true, "acceptsUSPersons": false, "restrictedNationalities": [ "united-states", "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "Passport or NRIC", "Proof of Singapore address OR overseas address for non-residents", "Employment Pass, S Pass, or valid visa (for non-citizens)", "Minimum initial deposit (SGD 1,000 for multi-currency; waived for some accounts)", "In-person visit or MyInfo (SingPass) digital onboarding for residents" ], "monthlyFeeUSD": 7, "currencies": 13, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "DBS is Singapore's largest bank and consistently ranked among Asia's best. The DBS Multi-Currency Account holds 13 currencies with the ability to lock in exchange rates. Non-residents can open accounts in person at a Singapore branch. DBS Altitude and Vantage cards provide strong travel rewards. Digital banking via digibank is best-in-class for the region. Business accounts (DBS BusinessClass) support multi-currency operations, PayNow, and SWIFT transfers. Singapore accounts are subject to MAS regulation with strong depositor protection up to SGD 75,000 under the Singapore Deposit Insurance Scheme. Does not accept US persons due to FATCA complexity.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons generally not accepted for new accounts; DBS declined FATCA compliance path for retail/priority banking in Singapore." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals accepted; in-person Singapore branch visit typically required for non-residents." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted; standard KYC and minimum deposit applies." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian and Belarusian nationals restricted post-2022; MAS-aligned sanctions compliance." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals widely accepted; DBS has significant China operations." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — UN/MAS/OFAC sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — UN/OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — UN/MAS/OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted with enhanced due diligence; specific designated individuals screened; DBS has historical Myanmar banking presence." } ] }, { "slug": "emirates-nbd", "name": "Emirates NBD", "type": "traditional-bank", "headquartersCountry": "uae", "acceptsNonResidents": false, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "syria" ], "openingRequirements": [ "UAE residency visa", "Emirates ID", "Passport", "Salary certificate or proof of income", "Minimum salary of AED 5,000/month for standard accounts" ], "monthlyFeeUSD": 0, "currencies": 6, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Emirates NBD is one of the UAE's largest banks, headquartered in Dubai with branches across the GCC, Egypt, Turkey, India, and Singapore. Requires UAE residency; non-residents cannot open personal accounts. The bank is notable for accepting US persons (FATCA-compliant) making it one of few UAE banks willing to bank Americans. Multi-currency accounts support AED, USD, EUR, GBP, and select other currencies. The Emirates NBD Beyond and Skywards Mastercard offer strong Miles rewards. Business accounts available for UAE-registered entities. Zero monthly fees on salary accounts; fees apply to non-salary accounts below minimum balance. Strong digital banking via the Emirates NBD app.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted — Emirates NBD is one of few UAE banks compliant with FATCA willing to bank Americans; W-8BEN/W-9 and additional paperwork required." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals accepted; UAE residency visa required for personal accounts." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted; UAE residency required." }, { "nationality_slug": "russia", "accepted": true, "notes": "Russian nationals historically accepted; UAE has not adopted Western sanctions against Russia; enhanced due diligence applies; individual SDN screening conducted." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted; significant Chinese expat community banks with Emirates NBD." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — UAE adopted UN Iran sanctions; ENBD has been fined historically for Iran-related violations and now strictly complies." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions (USD-clearing risk)." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — UN/OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — UN/UAE sanctions on Syria." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted with standard enhanced due diligence; UAE does not impose blanket Myanmar sanctions." } ] }, { "slug": "mercury", "name": "Mercury", "type": "digital-bank", "headquartersCountry": "united-states", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "cuba", "iran", "north-korea", "syria", "russia" ], "openingRequirements": [ "US LLC or C-Corp required", "US EIN", "Government ID" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Mercury is the leading banking platform for US LLC and C-Corp owners, including non-resident founders who have formed a US entity. It offers FDIC-insured USD checking and savings accounts with no monthly fees, virtual and physical debit cards, ACH/wire transfers, and a clean API. Particularly popular with international entrepreneurs and startup founders who have formed a Delaware or Wyoming LLC — Mercury is typically the first banking solution they reach for. Non-US residents can open accounts provided they have a valid US company with an EIN; no US address or SSN is required from the owner.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted; domestic US LLC/C-Corp required; FDIC-insured via Choice Financial Group and Evolve Bank." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals accepted if they have formed a valid US LLC or C-Corp with EIN." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted; non-resident founders commonly open accounts after forming a US entity via Stripe Atlas, Doola, or similar." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals blocked — Mercury complies with OFAC regulations; Russian owners of US entities denied." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted if they hold a valid US company; common for US-incorporated tech startups with Chinese founders." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC Iran sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted if US entity is valid; no blanket Myanmar restriction; individual OFAC screening applies." } ] }, { "slug": "payoneer", "name": "Payoneer", "type": "multi-currency-account", "headquartersCountry": "united-states", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "cuba", "iran", "north-korea", "syria", "crimea" ], "openingRequirements": [ "Government ID", "Proof of address", "Active receiving payments" ], "monthlyFeeUSD": 0, "currencies": 70, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Payoneer is a global payment platform headquartered in the United States, widely used by freelancers, digital agencies, and e-commerce sellers in emerging markets to receive payments from international clients and marketplaces including Amazon, Upwork, Fiverr, and Airbnb. It provides receiving accounts in USD, EUR, GBP, JPY, CAD, AUD, and other currencies, enabling users to receive funds locally in those regions and convert or withdraw globally. Available in 190+ countries with no monthly fee on standard accounts; a Mastercard debit card facilitates spending. Particularly valued in markets where traditional banking access is limited.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted; Payoneer is US-headquartered and fully US-compliant." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK nationals fully accepted." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals fully accepted; 190+ countries served." }, { "nationality_slug": "russia", "accepted": false, "notes": "Russian nationals restricted; Payoneer suspended services in Russia and Belarus following February 2022 sanctions." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted; very popular among Chinese cross-border e-commerce sellers (Amazon, AliExpress payouts)." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC Iran sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted; Payoneer serves freelancers and sellers in 190+ countries including FATF grey-list nations; individual screening applies." } ] }, { "slug": "monzo", "name": "Monzo", "type": "digital-bank", "headquartersCountry": "united-kingdom", "acceptsNonResidents": false, "acceptsUSPersons": false, "restrictedNationalities": [], "openingRequirements": [ "UK residential address", "UK phone number", "Government-issued photo ID", "Age 18+" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Monzo is one of the UK's most popular digital banks, offering a GBP current account with strong budgeting tools, real-time spending notifications, fee-free overseas spending at Mastercard rates, and a distinctive coral debit card. Accounts are FCA-regulated and FSCS-protected up to GBP 85,000. Requires a UK residential address and phone number — non-residents cannot open accounts. Monzo Plus and Monzo Premium tiers add features such as cash ISAs, credit builder tools, and travel insurance. Business accounts are available for UK sole traders and limited companies. Widely regarded as one of the best everyday accounts for UK residents.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons not accepted; US nationality triggers FATCA obligations Monzo declines; US market not served." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK residents are the exclusive customer base; nationality is secondary to UK residency requirement." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted if UK-resident with a valid UK address and phone number." }, { "nationality_slug": "russia", "accepted": true, "notes": "Russian nationals accepted if UK-resident; individual sanctions screening applied; some account closures reported." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted if UK-resident." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC/UK sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC/UK Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — UN/OFAC/UK DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — UK/OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted if UK-resident; specific designated individuals screened against UK sanctions list." } ] }, { "slug": "starling-bank", "name": "Starling Bank", "type": "digital-bank", "headquartersCountry": "united-kingdom", "acceptsNonResidents": false, "acceptsUSPersons": false, "restrictedNationalities": [], "openingRequirements": [ "UK residential address", "UK phone number", "Government-issued photo ID", "Age 18+" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Starling Bank is a fully licensed UK digital bank founded in 2014 and widely regarded as the best business bank account in the UK, having won multiple industry awards. Personal accounts offer fee-free spending abroad, real-time notifications, and integrated Spaces for savings goals. Business accounts are particularly strong — offering multi-user access, accounting integrations (Xero, QuickBooks, FreeAgent), invoicing tools, and a euro business account option. FSCS-protected up to GBP 85,000. Requires UK residency; non-residents cannot open accounts. Unlike many challenger banks, Starling is consistently profitable and holds a full UK banking licence.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons not accepted; Starling declines US nationals to avoid FATCA compliance burden." }, { "nationality_slug": "uk", "accepted": true, "notes": "UK residents are the sole customer base; full product access." }, { "nationality_slug": "eu", "accepted": true, "notes": "EU nationals accepted if UK-resident." }, { "nationality_slug": "russia", "accepted": true, "notes": "Russian nationals accepted if UK-resident; UK sanctions individuals screened; some accounts closed for compliance reasons." }, { "nationality_slug": "china", "accepted": true, "notes": "Chinese nationals accepted if UK-resident." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — UK/OFAC Iran sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — UK/OFAC Cuba sanctions." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Blocked — UN/UK/OFAC DPRK sanctions." }, { "nationality_slug": "syria", "accepted": false, "notes": "Blocked — UK/OFAC Syria sanctions." }, { "nationality_slug": "myanmar", "accepted": true, "notes": "Accepted if UK-resident; UK targeted Myanmar sanctions screen specific individuals, not the full nationality." } ] }, { "slug": "nubank", "name": "Nubank", "type": "digital-bank", "headquartersCountry": "brazil", "acceptsNonResidents": false, "acceptsUSPersons": false, "restrictedNationalities": [], "openingRequirements": [ "Brazilian CPF (tax ID number)", "Brazilian residential address", "Government-issued photo ID", "Age 18+" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Nubank is Latin America's largest digital bank and one of the world's largest fintech companies by customer count, headquartered in São Paulo and serving over 100 million customers across Brazil, Mexico, and Colombia. In Brazil, it offers a no-fee credit card, a digital account (Conta Nubank) with instant Pix transfers, a high-yield savings reserve (Caixinha), and personal loans. A Brazilian CPF tax ID number is required to open an account — non-residents without a CPF cannot access Nubank's Brazilian services. Business accounts are available for MEI, sole traders, and limited companies. Particularly transformative for Brazilians previously underserved by traditional banks.", "lastVerified": "2026-04-20", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": false, "notes": "US persons cannot open Brazilian Nubank accounts; Brazilian CPF required, which US persons cannot obtain without Brazilian residency." }, { "nationality_slug": "uk", "accepted": false, "notes": "Non-Brazilian residents cannot open accounts; no UK offering." }, { "nationality_slug": "eu", "accepted": false, "notes": "Non-Brazilian residents ineligible for Brazilian accounts." }, { "nationality_slug": "russia", "accepted": false, "notes": "Non-Brazilian residents ineligible; Russia not served." }, { "nationality_slug": "china", "accepted": false, "notes": "Non-Brazilian residents ineligible; China not served." }, { "nationality_slug": "iran", "accepted": false, "notes": "Non-Brazilian residents ineligible; Iran not served." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Non-Brazilian residents ineligible; Cuba not served." }, { "nationality_slug": "north-korea", "accepted": false, "notes": "Non-Brazilian residents ineligible; North Korea not served." }, { "nationality_slug": "syria", "accepted": false, "notes": "Non-Brazilian residents ineligible; Syria not served." }, { "nationality_slug": "myanmar", "accepted": false, "notes": "Non-Brazilian residents ineligible; Myanmar not served." } ] }, { "slug": "charles-schwab-us", "name": "Charles Schwab (US Domestic Account)", "type": "broker-bank", "headquartersCountry": "united-states", "acceptsNonResidents": false, "acceptsUSPersons": true, "restrictedNationalities": [], "openingRequirements": [ "US Social Security Number or ITIN", "US-issued government photo ID", "US residential address", "Phone number" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Charles Schwab's domestic US accounts (the Schwab High Yield Investor Checking + Schwab One brokerage combination) are widely used by Americans abroad — the Schwab debit card refunds all foreign-ATM fees globally and applies the Visa interchange rate with no foreign-transaction fee. Standard Schwab brokerage offers low-cost US ETF investing including SCHB, SCHX, VTI alternatives. The crucial caveat: the US-domestic Schwab account requires a US residential address and is closed to expats abandoning US residency. Schwab International (separate offering — see schwab-international slug) is the non-US-resident-eligible version with substantially lower account features.", "lastVerified": "2026-05-09", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "Full access for US persons with US address. Ideal for Americans living abroad who maintain a US address (parents, mailbox service, etc.). Foreign address triggers transition to Schwab International." } ] }, { "slug": "citi-international-personal-bank", "name": "Citi International Personal Bank (Citi IPB)", "type": "private-bank", "headquartersCountry": "united-kingdom", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria", "russia" ], "openingRequirements": [ "USD 200,000 minimum relationship balance (across deposits + investments)", "Government-issued photo ID", "Proof of address", "Source-of-funds documentation", "Tax residency declaration / W-8BEN or W-9" ], "monthlyFeeUSD": 0, "currencies": 12, "debitCardAvailable": true, "businessAccountAvailable": false, "summary": "Citi International Personal Bank (IPB), based in Jersey (UK Crown Dependency), serves international HNWI clients with USD 200,000+ minimum relationship balance. Offers multi-currency accounts (USD, EUR, GBP, plus 9 others), debit card, mortgage facilities, and access to Citi's wealth management. Crucially, Citi IPB serves US persons and remains FATCA-compliant — one of the few major international private banks doing so post-FATCA crackdown. The Jersey booking centre offers some asset-protection benefits but US persons remain fully subject to US worldwide-income tax regardless of where assets are held.", "lastVerified": "2026-05-09", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "US persons fully served; FATCA reporting via Citi to IRS. Notable as one of the few international private banks still onboarding US persons." }, { "nationality_slug": "uk", "accepted": true, "notes": "Full UK service; Jersey booking centre common for non-resident UK or expat-UK structures." }, { "nationality_slug": "eu", "accepted": true, "notes": "Full EU service; multi-currency including EUR." }, { "nationality_slug": "russia", "accepted": false, "notes": "Suspended post-February 2022 — Russian nationals not onboarded; existing accounts wound down or transferred." }, { "nationality_slug": "iran", "accepted": false, "notes": "Blocked — OFAC sanctions." }, { "nationality_slug": "cuba", "accepted": false, "notes": "Blocked — OFAC Cuba sanctions." } ] }, { "slug": "fidelity-international", "name": "Fidelity International (Brokerage + Cash Management)", "type": "broker-bank", "headquartersCountry": "united-states", "acceptsNonResidents": false, "acceptsUSPersons": true, "restrictedNationalities": [], "openingRequirements": [ "US Social Security Number or ITIN", "US-issued government photo ID", "US residential address (for the US-domestic offering)", "Phone number" ], "monthlyFeeUSD": 0, "currencies": 1, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "Fidelity Investments operates one of the world's largest US brokerage platforms (USD 14T+ AUC). The Fidelity Cash Management Account combines the brokerage account with debit card, cheque writing, ATM access, and full ATM-fee reimbursement worldwide. Like Charles Schwab Domestic, this is for US persons with US residential addresses — Americans living abroad commonly maintain it via a US mailing address. Fidelity's overseas affiliates (Fidelity International / FIL Limited) operate separately and serve non-US-resident HNWIs but with much higher minimums and a separate account-opening process.", "lastVerified": "2026-05-09", "nationality_acceptance_matrix": [ { "nationality_slug": "us", "accepted": true, "notes": "Full access for US persons with US address. Foreign address triggers account restriction; US-departed residents transitioning to Fidelity International or competitor." } ] }, { "slug": "ocbc", "name": "OCBC Bank (Singapore)", "type": "retail-bank", "headquartersCountry": "singapore", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "In-person visit to Singapore branch", "Singapore Employment Pass / S Pass / Dependant Pass / Long-Term Visit Pass (for residents)", "Passport + secondary photo ID for non-residents", "Proof of address (Singapore + home country)", "Source-of-funds documentation", "Initial deposit (varies by account type — Premier Banking SGD 200,000+)" ], "monthlyFeeUSD": 0, "currencies": 11, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "OCBC (Oversea-Chinese Banking Corporation) is the second-largest Singaporean bank by assets and one of the strongest-rated banks globally (Aa1 Moody's). Standard accounts are accessible to Singapore residents via Employment Pass / S Pass / Dependant Pass with in-person opening. Non-resident account opening is restricted but OCBC Premier Banking (SGD 200,000+ AUM) and Premier Private Client (SGD 1M+) tiers do onboard non-residents with Singapore visit. Multi-currency accounts cover SGD, USD, EUR, GBP, AUD, CAD, NZD, JPY, CHF, HKD, RMB. US persons accepted with FATCA compliance. Singapore's strong banking secrecy + AEOI compliance balance and the SGD's reserve-currency stability make OCBC a leading destination for Asia-Pacific wealth management.", "lastVerified": "2026-05-09", "nationality_acceptance_matrix": [ { "nationality_slug": "singapore", "accepted": true, "notes": "Full domestic service for Singapore citizens and PRs." }, { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted with FATCA W-9 declaration. Premier Banking tier typical entry point." }, { "nationality_slug": "china", "accepted": true, "notes": "Mainland Chinese clients onboarded subject to enhanced due diligence on source-of-funds." }, { "nationality_slug": "russia", "accepted": false, "notes": "Onboarding paused post-February 2022 due to international sanctions exposure concerns." } ] }, { "slug": "uob-singapore", "name": "UOB (United Overseas Bank, Singapore)", "type": "retail-bank", "headquartersCountry": "singapore", "acceptsNonResidents": true, "acceptsUSPersons": true, "restrictedNationalities": [ "north-korea", "iran", "cuba", "syria" ], "openingRequirements": [ "In-person visit to Singapore branch", "Singapore EP / S Pass / DP / LTVP (for residents)", "Passport + secondary photo ID for non-residents", "Proof of address", "Source-of-funds documentation", "Initial deposit (Privilege Banking SGD 350,000+)" ], "monthlyFeeUSD": 0, "currencies": 10, "debitCardAvailable": true, "businessAccountAvailable": true, "summary": "UOB is Singapore's third-largest bank, with strong regional presence in Malaysia, Thailand, Indonesia, and Vietnam. Like OCBC, retail accounts are easier for Singapore-resident applicants; non-residents access via Privilege Banking (SGD 350,000+ AUM) or Privilege Reserve (SGD 5M+). Multi-currency accounts cover most major Asian and Western currencies. US persons accepted with FATCA compliance. UOB's regional ASEAN footprint makes it well-suited for clients with cross-border Southeast Asia activity.", "lastVerified": "2026-05-09", "nationality_acceptance_matrix": [ { "nationality_slug": "singapore", "accepted": true, "notes": "Full domestic service." }, { "nationality_slug": "us", "accepted": true, "notes": "US persons accepted; FATCA-compliant." }, { "nationality_slug": "malaysia", "accepted": true, "notes": "Malaysian residents accepted; UOB Malaysia operates as separate subsidiary with own account-opening." }, { "nationality_slug": "indonesia", "accepted": true, "notes": "UOB Indonesia operates as separate subsidiary." }, { "nationality_slug": "russia", "accepted": false, "notes": "Onboarding paused post-February 2022." } ] } ]