Opening a bank account abroad can be challenging for non-residents, expats, and digital nomads. Each country has unique rules, documents, and ID checks. This guide covers how to open a bank account as a foreigner in 10 major countries, including the easiest options and what to expect.
1. United States
Who can apply: Tourists (limited), students, residents, and expats
Documents needed:
- Passport
- U.S. address (hotel, friend’s, or mailing service)
- ITIN or SSN (for some banks)
- Visa/residency status (if applicable)
Tips:
Chase, Bank of America, and Wells Fargo offer foreigner-friendly accounts. Try to open in person. Some credit unions are more flexible.
2. United Kingdom
Who can apply: Tourists (limited), residents, and students
Documents needed:
- Passport
- Proof of UK address (utility bill or rental contract)
- UK mobile number
Tips:
Try Monzo or Revolut if you don’t yet have an address. High street banks like Barclays and HSBC require in-branch visits.
3. Germany
Who can apply: EU and non-EU residents
Documents needed:
- Passport
- Anmeldung (proof of local registration)
- Residence permit or visa
- German phone number
Tips:
Use N26 or Deutsche Bank. Most require address registration. Some banks offer “Blocked Accounts” for visa applicants.
4. Canada
Who can apply: Tourists (limited), students, and residents
Documents needed:
- Passport
- Study or work permit
- Canadian address
- SIN (optional)
Tips:
BMO, RBC, and TD have newcomer programs. You can start online and finish in branch. Free accounts are common for students.
5. Australia
Who can apply: Tourists, temporary visa holders, and residents
Documents needed:
- Passport
- Visa or travel documents
- Australian address
- Tax File Number (optional)
Tips:
Commonwealth Bank and Westpac offer account setup before arrival. You’ll finalize the process in-branch with ID.
6. United Arab Emirates
Who can apply: Residents and visa holders only
Documents needed:
- Passport
- Residency visa
- Emirates ID (mandatory)
- Salary certificate or job contract
Tips:
You must have legal residence status. Emirates NBD and ADCB are popular with expats. Online accounts are not common without ID.
7. Singapore
Who can apply: Residents, workers, students
Documents needed:
- Passport
- Employment pass or student visa
- Proof of local address
Tips:
DBS, OCBC, and UOB are top choices. You may need to open the account in person. Most banks offer multi-currency options.
8. France
Who can apply: EU and non-EU residents
Documents needed:
- Passport
- Proof of address (utility bill or lease)
- Residence permit or visa
- French phone number
Tips:
BNP Paribas and Société Générale are expat-friendly. If you lack documents, try online options like N26 France.
9. South Africa
Who can apply: Tourists (limited), residents, and students
Documents needed:
- Passport
- Proof of local address
- Study/work permit or visa
- South African tax number (optional)
Tips:
Standard Bank and FNB are widely used. Some banks allow “non-resident” accounts with limited features.
10. Mexico
Who can apply: Tourists, residents, and digital nomads
Documents needed:
- Passport
- Proof of address in Mexico
- Immigration form or resident card
Tips:
Banorte and BBVA offer basic accounts to foreigners. Some locations accept hotel addresses or use of national ID numbers from home countries.
Tips for All Countries
- Use an international digital bank: Services like Wise, Revolut, and N26 offer accounts without residency.
- Translate your documents: Some banks require notarized translations.
- Start with a basic account: Upgrade later once you build history.
- Always bring originals: Photocopies are not accepted for ID.
- Avoid tourist-only banks: These accounts are often expensive or temporary.
Opening a bank account as a foreigner can feel complex—but with the right documents and guidance, it’s very achievable. This guide simplifies what you need to know in each country, helping you bank smarter across borders. Whether you’re relocating, studying, or freelancing abroad, local banking access makes life easier.
