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Unread 21st Jul 2012, 07:58 AM   #1
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Default which bank for a non-resident US account?

Hello all,

I've read a few old posts about this but no clear solution.
I'm a foreigner residing in South Korea and I have a website that sells mainly to the US via Paypal.
I've discovered that due to some specific Korean regulation about Paypal, as a foreigner I can't transfer money from Paypal to my Korean bank account. So I have to use the accounts of Korean friends, and the other problem is that due to another regulation, the dollars wired onto a Korean bank account are automatically converted into local currency, even if you have an account in dollars.
Ridiculous.
I'm therefore trying to see if I can open a non-resident bank account in the US.
Citibank tells me that I would have to keep a balance of 50K permanently on the account.
Does anyone know of a bank that doesn't require such a large amount to always be on the account?

Thanks in advance for your advice
A
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Unread 21st Jul 2012, 09:28 AM   #2
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Default Re: which bank for a non-resident US account?

Hi,

I live in Canada and I have a bank account in the US with Wells Fargo. They have always treated me well and I'm happy with them. Don't know of any other banks that might be good, though

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Unread 21st Jul 2012, 09:44 AM   #3
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Default Re: which bank for a non-resident US account?

The best bank for international business is HSBC bar none.

You can accept payments in a U.S. account and transfer to your international accounts worldwide.

There are certain procedures to follow. Hit me up if you want more details.
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Unread 22nd Jul 2012, 03:31 AM   #4
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Default Re: which bank for a non-resident US account?

Go with HSBC. I have great experience with them and so far I have not stumbled on a problem with them.

Cheers!

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Unread 22nd Jul 2012, 04:17 AM   #5
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Default Re: which bank for a non-resident US account?

Hello,

Thanks for your advice but HSBC requires me to keep a permanent balance of 100K on the account. I would like to be a HSBC since they have a strong presence in Asia, but I don't want to have to keep such a high balance.

Asiancasanova, do you reside in Asia permanently?
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Unread 26th Jul 2012, 02:09 AM   #6
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by guntarsm View Post
For non-resident I can recommend the Payoneer Prepaid Debit MasterCard® Card and you get also Real USA Virtual bank account


You get Virtual bank account for free?
Get paid with the US Payment Service A US account and routing number linked to your card will allow you to receive US ACH/Direct Deposit transfers from select US corporations, including PayPal, Amazon, Google Adsense, CJ.com, Apple and more!

Receive payments from any of our partners Simply sign in to your online account with the partner and selec Payoneer as your payment method.

Anyone can load your card Receive private loads from anyone worldwide via Visa/MasterCard®.


Thanks,

Thanks for the suggestions and great feedback.

If any of you have questions about how Payoneer and our US Payment Service can help you, please feel free to email me at davidst [at] payoneer.com.

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Unread 26th Jul 2012, 02:39 AM   #7
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Default Re: which bank for a non-resident US account?

I am in Philippines and transferring from paypal to my bank account doesn't have any hassle at all. The only problem is (same with you), dollar is automatically converted to peso and the exchange rate is ridiculous low....



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Unread 26th Jul 2012, 02:49 AM   #8
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Default Re: which bank for a non-resident US account?

Payoneer is the best, you can have a virtual US bank account and they only charge $20 per year for it, all the money you get via PayPal, you have the option of sending it to your virtual account, then withdraw the money via an ATM in your own country using a Payoneer Master card.

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Unread 26th Jul 2012, 02:53 AM   #9
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by colekayley View Post
Payoneer is the best, you can have a virtual US bank account and they only charge $20 per year for it, all the money you get via PayPal, you have the option of sending it to your virtual account, then withdraw the money via an ATM in your own country using a Payoneer Master card.
The problem here is the ATM charges in my country which is too high.....



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Unread 26th Jul 2012, 03:30 AM   #10
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Adie View Post
The problem here is the ATM charges in my country which is too high.....
Avoid using it as much as you can at ATMs. Using it for purchases is free. Further, a large amount everytime you visit the ATM. This will minimise your monthly ATM charges.
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Unread 26th Jul 2012, 04:17 AM   #11
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Default Re: which bank for a non-resident US account?

As mentioned above, Payoneer's US Payment Service is an excellent option for non-US residents to receive US ACH/Direct Deposit transfers.

I also wanted to point out that we no longer charge a maintenance fee for the service, you pay only 1% of each payment received. Application for the service is open to all Payoneer card holders.

Additional details regarding the service can be found here.

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Unread 26th Jul 2012, 04:54 AM   #12
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Nissim View Post
As mentioned above, Payoneer's US Payment Service is an excellent option for non-US residents to receive US ACH/Direct Deposit transfers.

I also wanted to point out that we no longer charge a maintenance fee for the service, you pay only 1% of each payment received. Application for the service is open to all Payoneer card holders.

Additional details regarding the service can be found here.
Can I use my payoner debit card to verify paypal account?



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Unread 26th Jul 2012, 04:57 AM   #13
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Adie View Post
Can I use my payoner debit card to verify paypal account?
If you have the option to add a debit card to our PayPal account, you will be able to add your Payoneer card (as it is a Prepaid Debit MasterCard card).

Please note, however, that your card will need to have an available balance when adding it to PayPal, as they will try to charge the card (and it is prepaid).

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Unread 26th Jul 2012, 05:19 AM   #14
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Default Re: which bank for a non-resident US account?

Can Indians open an account in Payoneer too? I didn't see that country option in your sign up page.

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Unread 26th Jul 2012, 05:21 AM   #15
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Default Re: which bank for a non-resident US account?

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Originally Posted by ContentYogi View Post
Can Indians open an account in Payoneer too? I didn't see that country option in your sign up page.
The RBI unfortunately prohibits any non-Indian company from issuing credit/debit cards to Indian residents.

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Unread 26th Jul 2012, 06:54 AM   #16
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Default Re: which bank for a non-resident US account?

Hi,

I'm french, living in Brazil, and I do business in the US.
To solve this issue, opened a Corporation in Delaware, requested an EIN, and contacted Wells Fargo in Wilmington (the city where my company was registered)
The minimum account balance is only $100 there, and they have online banking, 24/7 phone services (it's a robot, but works really well, even when you have a slight accent)

You won't be able to open a personal bank account tho.

If you are interested, contact me and i'll send you my contacts.

The whole process took about 30 days and cost around $1000.
If you want to hire an accountant (recommended, as there are a lot of tricky things to know when reporting your earnings and paying taxes), add an extra $1500/year in accounting fees.
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Unread 27th Jul 2012, 02:48 AM   #17
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Default Re: which bank for a non-resident US account?

Hello,

David Payoneer, do you confirm that Paypal lets you withdraw funds to a Payoneer virtual account?
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Unread 27th Jul 2012, 03:10 AM   #18
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Default Re: which bank for a non-resident US account?

I just singned-up with payoneer but it looks like it'll take 2 more months to receive my card...



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Unread 27th Jul 2012, 04:14 AM   #19
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Default Re: which bank for a non-resident US account?

PayPal does allow most accounts to withdraw funds to a US bank account. If you have this option, you will be able to withdraw from PayPal to your Payoneer account using our US Payment Service.

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Unread 29th Jul 2012, 01:24 AM   #20
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by colekayley View Post
Payoneer is the best, you can have a virtual US bank account and they only charge $20 per year for it, all the money you get via PayPal, you have the option of sending it to your virtual account, then withdraw the money via an ATM in your own country using a Payoneer Master card.
Thanks for the great feedback. Just wanted to update, we no longer charge 20 USD per year for the US Payment Service.

Quote:
Originally Posted by Adie View Post
I just singned-up with payoneer but it looks like it'll take 2 more months to receive my card...
Congratulations on signing up, we look forward to having you as a cardholder. Please note that the estimated date is the latest estimated arrival, usually the card arrives quicker than what is written in that email.

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Unread 1st Aug 2012, 07:48 AM   #21
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Nissim View Post
PayPal does allow most accounts to withdraw funds to a US bank account. If you have this option, you will be able to withdraw from PayPal to your Payoneer account using our US Payment Service.
Okay, I think that you haven't read the original post.
The problem is getting money out of your Paypal account when you can't open a bank account in the US. Otherwise there would be no issue.

I have just received a reply from Paypal saying that they did NOT allow withdrawals to a Payoneer virtual bank account.
So the service is useless in this case.
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Unread 1st Aug 2012, 08:07 AM   #22
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by altar22 View Post
Okay, I think that you haven't read the original post.
The problem is getting money out of your Paypal account when you can't open a bank account in the US. Otherwise there would be no issue.
The Payoneer US Payment Service is not a bank account, but provides you with a US account/routing number that you can use to receive US ACH transfers. This would solve the problem, as it allows you to receive a US account/routing number without having to open an actual bank account.

Payoneer is not an official payment method for PayPal, which is likely why you received the reply that you did. This would simply be a US bank withdrawal, however, and we currently have many card holders receiving their payments via this method.

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Unread 1st Aug 2012, 11:30 AM   #23
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Default Re: which bank for a non-resident US account?

Hey Mate, I recommend incorporating a business in the US, I also highly recommend New Mexico, because you would not need to pay any annual fees or tax, like other states such as Delaware where one would still need to pay at least a annual minimum of $250.

make sure you have a reliable address as this is the most important part to the puzzle. I am not a fan of pre-paid cards. once you have an EIN, address and articles, you can find a bank to open an account with for a minimum deposit of $200. I have an account in the US without having to fly over there. Having a business checking account is a lot better asset than having a prepaid card, however I am not say it a bad thing tho.

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Unread 1st Aug 2012, 01:40 PM   #24
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Default Re: which bank for a non-resident US account?

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Hey Mate, I recommend incorporating a business in the US, I also highly recommend New Mexico, because you would not need to pay any annual fees or tax, like other states such as Delaware where one would still need to pay at least a annual minimum of $250.

make sure you have a reliable address as this is the most important part to the puzzle. I am not a fan of pre-paid cards. once you have an EIN, address and articles, you can find a bank to open an account with for a minimum deposit of $200. I have an account in the US without having to fly over there. Having a business checking account is a lot better asset than having a prepaid card, however I am not say it a bad thing tho.
Hello milla04, how to get a US adddress?
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Unread 1st Aug 2012, 04:49 PM   #25
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Default Re: which bank for a non-resident US account?

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Hello milla04, how to get a US adddress?
Get a mail forwarding service.
They'll give you a US address you can legally use on your US company.
I used Valis (VALIS International - Delaware LLC | Company Corporation | Corporation or LLC | DE Corp | Limited Company | Inc or LLC |) to incorporate my company. They are also my registered agent, and handle the mail forwarding.
They were super useful and always available when you have a question.
They also refered me to an account manager at Wells fargo, which allowed me to open a US bank account for the company, and refered me to an accounting firm, which now handle my accounting and taxes.

Please note that if you're not a US citizen, you can only open a non-anonymous Corporation, and you'll need an EIN. Else, no bank account.
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Unread 1st Aug 2012, 05:03 PM   #26
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Default Re: which bank for a non-resident US account?

My country no in Clickbank list. But with this Payoneer card can I open a/c in CB and get paid??

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Unread 1st Aug 2012, 06:50 PM   #27
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by milla04 View Post
Hey Mate, I recommend incorporating a business in the US, I also highly recommend New Mexico, because you would not need to pay any annual fees or tax, like other states such as Delaware where one would still need to pay at least a annual minimum of $250.

make sure you have a reliable address as this is the most important part to the puzzle. I am not a fan of pre-paid cards. once you have an EIN, address and articles, you can find a bank to open an account with for a minimum deposit of $200. I have an account in the US without having to fly over there. Having a business checking account is a lot better asset than having a prepaid card, however I am not say it a bad thing tho.
Getting a bank account for non residents requires a visit to the USA. How do you get around this?
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Unread 1st Aug 2012, 08:49 PM   #28
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by 26medias View Post
Please note that if you're not a US citizen, you can only open a non-anonymous Corporation, and you'll need an EIN. Else, no bank account.
I don't know if I understood well or not, because not very familiar with these terms

I live out of the US, not a citizen, so what kind of business could I apply for? what would be a non-anonymous corporation?

Also do you mean I could not open a bank account?
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Unread 1st Aug 2012, 08:53 PM   #29
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Default Re: which bank for a non-resident US account?

HSBC, it makes sense 8-)
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Unread 2nd Aug 2012, 05:28 AM   #30
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Default Re: which bank for a non-resident US account?

These type of mail services WILL get rejected by the bank because everyone has already used the same address, also these addresses are not actual business address. What banks do now, they google street map the addresses to see if they are legitimate business locations, that is why when applying to a bank you should NEVER use your registered agent address.

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Unread 2nd Aug 2012, 05:30 AM   #31
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Andylinks View Post
Getting a bank account for non residents requires a visit to the USA. How do you get around this?
Yes, with our service we are having great success because everything is done manually, also lots of standard documents are required, where most people are to lazy to get sorted. You are not required to visit USA, everything can be done via email AND post.

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Unread 16th Aug 2012, 08:02 PM   #32
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Default Re: which bank for a non-resident US account?

Setup a company in HK (tax free for all income generated from outside of HK)- With this you also get a HSBC Multi Currency account with debit card which you can withdraw from pretty much ATM's anywhere.

With the HK company you can setup a corporate HK Paypal account, withdraw to the HSBC bank account and so on...

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Unread 16th Aug 2012, 09:21 PM   #33
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Adam1987 View Post
Setup a company in HK (tax free for all income generated from outside of HK)- With this you also get a HSBC Multi Currency account with debit card which you can withdraw from pretty much ATM's anywhere.

With the HK company you can setup a corporate HK Paypal account, withdraw to the HSBC bank account and so on...
Do you have an incorporation service to recommend?
What about accounting? Do you know about the requirements over there?
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Unread 17th Aug 2012, 12:12 AM   #34
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Default Re: which bank for a non-resident US account?

try citibank or hsbc... i believe they have accounts if you open a local one with them first.
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Unread 3rd Oct 2012, 04:14 AM   #35
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Default Re: which bank for a non-resident US account?

Hello All,

I have read all the post and I must say that some of the posts are valid while some are not.

Yes its i possible to get this sorted out if you know how. Not everyone knows this, hence the different answers.

Payoneer may work, but to get the card, you need to meet some conditions. Not everyone will pass this. They will also only work with some companies.

Getting a biz bank account can set you back several hundreds of dollars. Forming a US biz comes with an additional yearly tax reporting and filing implications. You could need a Lawyer / Accountant which means additional yearly expense. Not everyone can afford this. The guy looking for this could be getting a few hundreds monthly in affiliate commissions.

There is a cheaper solution to this - a US PAYROLL card. But the problem here is that 98% of the providers will ask for a SSN. So the problem is locating the remaining 2% who will not.

Good luck to everyone.
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Unread 3rd Oct 2012, 05:23 AM   #36
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Default Re: which bank for a non-resident US account?

I think Payoneer US Payment is the most reliable service for ACH payments.

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Unread 4th Oct 2012, 04:00 AM   #37
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by Rukshan View Post
I think Payoneer US Payment is the most reliable service for ACH payments.
Thanks for the great feedback.

As always, feel free to contact myself or Nissim for more details about Payoneer.

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Unread 9th Oct 2012, 04:21 AM   #38
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Default Re: which bank for a non-resident US account?

If you are serious about running a business in the USA, I recommend that you get a real bank account, It is not difficult, I have been doing this for a while now. This myth about non USA people cant open a bank account in the USA without visiting the bank, Is total false.

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Unread 20th Oct 2012, 08:39 AM   #39
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Default Re: which bank for a non-resident US account?

There are lots of virtual banks in USA. They are providing that type of service. Choose any one from them.
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Unread 20th Oct 2012, 08:46 AM   #40
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Default Re: which bank for a non-resident US account?

Quote:
Originally Posted by altar22 View Post
Hello,

Thanks for your advice but HSBC requires me to keep a permanent balance of 100K on the account. I would like to be a HSBC since they have a strong presence in Asia, but I don't want to have to keep such a high balance.

Asiancasanova, do you reside in Asia permanently?
A
That's only for the premier accounts.

I'm based in Asia and had no problem connecting my Paypal to a HSBC account. There was an admin fee of around $100 US but that's it.

On terms of fees they want around $3000 in the account minimum however if you drop below that there is a small fee per month.

HSBC are a complete shambles in Asia compared to Europe ( I have a UK account and 2 Hong Kong accounts). But once it's set up its all straight forward.

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Unread 30th Oct 2012, 11:08 PM   #41
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Default Re: which bank for a non-resident US account?

Is this still available?
Quote: only 1% of each payment received?
Please kindly confirm.

Thanks

Quote:
Originally Posted by Nissim View Post
As mentioned above, Payoneer's US Payment Service is an excellent option for non-US residents to receive US ACH/Direct Deposit transfers.

I also wanted to point out that we no longer charge a maintenance fee for the service, you pay only 1% of each payment received. Application for the service is open to all Payoneer card holders.

Additional details regarding the service can be found here.

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Unread 31st Oct 2012, 03:25 AM   #42
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Default Re: which bank for a non-resident US account?

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Originally Posted by bookmarking View Post
Is this still available?
Quote: only 1% of each payment received?
Please kindly confirm.

Thanks
Hi,

Yes, Payoneer still offers this service, called the US Payment Service. If you already have a Payoneer card, feel free to PM me and I'll provide you with further details. If you do not have a card yet, you can apply for one using this link.

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Unread 31st Oct 2012, 06:57 PM   #43
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Default Re: which bank for a non-resident US account?

Thanks for getting back to me so fast.
Are your card working on Moneybookers? This is very important for me to know.

And one more:
If I create an account with card through Fiverr (as I noticed they use your service to withdraw funds), will I be able to acquire US Payment Service later on?

Thank you in advance

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Hi,

Yes, Payoneer still offers this service, called the US Payment Service. If you already have a Payoneer card, feel free to PM me and I'll provide you with further details. If you do not have a card yet, you can apply for one using this link.

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Unread 31st Oct 2012, 08:09 PM   #44
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Default Re: which bank for a non-resident US account?

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Hi,

I live in Canada and I have a bank account in the US with Wells Fargo. They have always treated me well and I'm happy with them. Don't know of any other banks that might be good, though
For Canadians, Royal Bank of Canada (RBC) now has branches in the US, and can now easily setup an account at one of their US branches for you.
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Unread 1st Nov 2012, 06:14 AM   #45
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Default Re: which bank for a non-resident US account?

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Originally Posted by bookmarking View Post
Thanks for getting back to me so fast.
Are your card working on Moneybookers? This is very important for me to know.

And one more:
If I create an account with card through Fiverr (as I noticed they use your service to withdraw funds), will I be able to acquire US Payment Service later on?

Thank you in advance
Yes, anyone applying for the card in order to get paid from Fiverr (which is an official partner of ours) will also be able to apply for the US Payment Service.

You can add your card to Moneybookers as a payment method, and also get paid to the US Payment Service from Moneybookers.

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Unread 4th Nov 2012, 06:15 PM   #46
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Default Re: which bank for a non-resident US account?

Alright, I just order it.
Now.. one more thing

Beside the $2.00 fee to load the card in 2 days (otherwise is $5), It is another $3.00 fee/month for 0-3 transactions/month.

Transactions are considered also purchases with the card or ONLY loading money to the cared?
I repeat. I ordered this through Fiverr. When I will subscribe to US Payment Service and load $$$ through Paypal, will this also be considered a transaction or only loading money through Fiverr are transactions?

Thanks a lot


Quote:
Originally Posted by Nissim View Post
Yes, anyone applying for the card in order to get paid from Fiverr (which is an official partner of ours) will also be able to apply for the US Payment Service.

You can add your card to Moneybookers as a payment method, and also get paid to the US Payment Service from Moneybookers.

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Unread 5th Nov 2012, 01:21 AM   #47
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Default Re: which bank for a non-resident US account?

Transactions are when you use the card; so it would include any purchase online/in stores, or a cash withdrawal.

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Unread 5th Nov 2012, 03:37 AM   #48
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Default Re: which bank for a non-resident US account?

you can widraw you paypal money through payoner

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Unread 5th Nov 2012, 03:47 AM   #49
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Default Re: which bank for a non-resident US account?

I had a HSBC, being and aussie resident, but they wanted my first born, a vial of blood and an 10,000 word essay on why I should be entitled to one. LOL.

Ok I exaggerate, but screw that, I am never getting a US bank account again. Clickbank now sends cash directy to my oz bank direct debit. Thank the good lord.

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Unread 12th Nov 2012, 05:49 AM   #50
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Default Re: which bank for a non-resident US account?

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Transactions are when you use the card; so it would include any purchase online/in stores, or a cash withdrawal.

I want to order the card for the US payment service to a USA address . but USA is not in the list?
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