Open a US bank account remotely, use your foreign credit history, get a card, build US credit, and access banking and lending. Foreign addresses accepted.
— used by 5000+ internationals
Funds are held with FDIC-insured partner banks under US regulations. Built with licensed financial institutions to deliver secure accounts and seamless global access across borders.
Open a US bank account fully online without SSN or ITIN.
Transfer and leverage your foreign credit history in the US.
US bank account, cards, credit, mortgages, and loans.
Studying, working, building, or investing in the US as an international is not easy. The US financial system was not designed for international people.
A fully digital onboarding experience designed for international users. No US address required.
SOC 2 compliant infrastructure, bank-grade security, and funds held with FDIC-insured regulated partner banks.
Receive payments, pay bills, and manage your US assets from one dashboard with full control wherever you are.
Bring your international financial history with you.
We know what it means to start over in the US without local credit or financial history. That is why we built a system that lets you carry your progress with you instead of starting from zero.
US Checking Account
A real US account designed specifically for internationals.
Send and receive USD via ACH, wires, and cards. Get paid by US companies, clients, and platforms with real U.S. banking details.
Your funds are held with our FDIC-insured partner banks, protected by 256-bit encryption.
Credit Cards
Use your card online, in-store, and anywhere Visa® is accepted.
Freeze, unfreeze, and manage your card instantly. Stay in control of every transaction, wherever you are.
Instant virtual cards for online spending, plus physical cards for everyday use.
Mortgages
Accessible mortgages and financing options, like US Residential Mortgages, Foreign National & ITIN Mortgages, Car Loans.
DSCR & Investment Property Loans, Cash-Out Refinance, HELOC.
Strategic capital for commercial acquisitions, flips, and new construction projects.
Credit Scores
Bring your existing financial history from other countries or institutions and use it as a starting point for your US credit profile.
Your everyday financial activity contributes to your score automatically, no manual steps, no guesswork.
Monitor your score and understand what impacts it.
Credit Score Evaluation
Current Score
702
A modern alternative to traditional US banks that travels with you.
| Features |
Everything international people need in the US, in one place. Open a US bank account remotely, leverage your foreign credit history, get a card, build US credit, and access banking and lending – foreign addresses accepted. |
Traditional US Banks |
|---|---|---|
| Account opening | 100% Online | Often in branch |
| Travel to United States | Not required | Often required |
|
Foreign Passport
Literally any country in the world
|
Accepted | Usually not |
| SSN or ITIN | Not Required | Required |
| Mobile App | Modern, Mobile-First | Often limited |
| Access from abroad | Full access worldwide | Limited |
| Receive US payments | Yes | Yes |
| Card issuance | International Debit and Credit | Mostly domestic |
| Card delivery abroad | Yes | No |
| Card usage abroad |
Worldwide
Use your card online, in-store, and anywhere Visa® is accepted.
|
Limited |
| ATM withdrawals abroad | Yes | Limited and expensive |
| FX rates | Competitive and transparent | Markups and hidden fees |
| International spending fees | Low and transparent | Often high |
| Foreign credit history |
Accepted
Bring your existing financial history from other countries or institutions and use it as a starting point for your US credit profile.
|
Not accepted |
|
Build US credit
AI powered credit insights
|
Yes | Difficult |
| Loan access for foreigners | Yes | Very limited |
| Mortgage options | ITIN, foreign national, DSCR | Mostly residents only |
| Car loans | Available | Limited |
| Security standards | SOC 2 compliant | Not disclosed |
| Funds protection | FDIC insured via partner bank | FDIC insured |
| Account protection | Face ID and fingerprint | Sometimes |
| Customer support | Digital, international first | Branch and phone based |
Everything international people need in the US, in one place. Open a US bank account remotely, leverage your foreign credit history, get a card, build US credit, and access banking and lending – foreign addresses accepted.
Traditional US Banks
Built for international users who need US banking without borders. Tap, pay, and manage your US finances wherever you are in the world.
Whether you are living, studying, investing, or doing business in the US, this is where you find clear answers, practical guidance, and real experience.
Read stories
Guide
Hold large sums, build credit, or borrow additional capital - things you can't get on Wise.
Guide
Transfer your current banking history into a valid US credit score on Day 1.
Guide
Exploring what is next for cross-border banking, payments in 2026.
Visit our YouTube channel to see how to navigate banking challenges and learn more about the strategies used by successful non-resident business owners.
NonResident Bank on YouTube
A 5 minute talk on most common issues our clients have Watch the full video
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