Questions tagged [banking]

Questions related to creating and using accounts in foreign or domestic banks.

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2answers
108 views

Consequences of informing bank about leaving country

I left USA in 2019, but did not inform Bank of America about this. I am currently in Canada, continue to operate my BoA account for payments, and have substantial balance in the bank account in US. I ...
2
votes
1answer
60 views

Why might my Charles Schwab ATM card not get fees when involved in a currency exchange?‎

I am living abroad and one tip I got was to get a Charles Schwab checking account as they reimburse international ATM fees.‎ I checked my account and didn't see reimbursements,‎ and so I contacted ...
1
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0answers
31 views

Where could I open a savings account within the SEPA area easiest remotely with an EU passport?

I have a few euros incoming I would rather park in Europe for the time being as wiring to Canada would be a hassle and a serious waste of money, too. I am a Canadian-Hungarian dual citizen, with a ...
4
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3answers
119 views

Which banks in Spain are more willing to work with foreigners and expats?

I am buying a property in Spain, I got my N.I.C number from the consulate and already started visiting the properties. I was expecting to be able to open a 'foreigner' bank account with ease. Just ...
1
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0answers
59 views

Consequences of FATCA for US expats

Can any US citizens/tax-persons, resident outside the US, confirm that they (or Americans they know) can't open a residence-country bank account due to FATCA (or have had their existing acc. closed by ...
1
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1answer
848 views

Navigating Capital One's two factor SMS authentication from outside the United States

I have been facing the following problem/issue for some time, but don't yet have a solution. Of the face of it, it's a relatively trivial issue. And maybe I'm making it more complicated or difficult ...
1
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0answers
31 views

Amount credit vs Amount debit?

I'm an expat that recently moved to Germany. Immediately after relocating, I opened a Deutsche Bank account and received a Master Card and Maestro Card + access to my e-banking portal. However, I ...
1
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1answer
70 views

German/American Citizen tax liability after moving to Germany

I am currently living in the US, and planning on moving to Germany soon for personal reasons. I am currently happily working remotely as a contractor for an American company. What does this mean for ...
1
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1answer
92 views

Difficult to open bank accounts in EU countries?

In USA, I cannot open a checking or savings account because I choose not to unlock my credit records.  (Credit check required to deposit, not borrow?!?) In Spain, only an ID and address needed to ...
2
votes
1answer
47 views

Interests on “caution deposit” for rental in Germany

Does the tenant of a flat have any rights on the interests matured on the "caution deposit" or do they belong to the landlord? If yes, according to what percentage should the interests be calculated?
2
votes
1answer
81 views

What is the best Thailand bank to transfer money into and from Vietnam?

I live in Thailand and have two bank accounts: One at Krungsri and one at Kasikorn. I might need to stay in Vietnam about 6 months or more in the near future and if so, I would need to use a Thailand ...
2
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0answers
61 views

Buying a property in France when living in the UK

I am French, but have been living in the UK for the past 20+ years, where I pay all my taxes. Recently, I have inherited a small amount of money in France from my late grandparents, which I would like ...
0
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0answers
128 views

German Bank Account: Deutsche vs CommerzBank

I'll be arriving shortly in Germany for Work and my company has asked me to tell them my preferred bank to arrange an appointment. I'm looking at various options and Commerz Bank seems to quite good ...
3
votes
1answer
361 views

What are the necessary procedures (unregistering, etc) to follow when leaving Germany as an expat?

I am not an EU national, but I hold the passport of a country which is in the Schengen area. I have been living in Germany since 2012 and hold a residence permit (permanent starting June 2019) and ...
4
votes
1answer
52 views

Sequence of SSN, rental, bank account, etc, in USA to satisfy dependencies

I will soon be moving to the US on an H-1B visa. On arrival, among other things, I will need to apply for a SSN, open a bank account, and rent somewhere to live. What is the sequence in which these ...
2
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1answer
110 views

How can a US company regularly pay an overseas contractor?

I'm doing independent contract work for a small US company, remotely. I am not a US citizen nor resident, and do not have a US bank account. The company occasionally pays me sums of a few thousand ...
2
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0answers
93 views

A bank employee visited my flat in Germany [closed]

My landlord told me that someone working for the bank will come visit the flat and because I was busy I did not ask why. Then this bank employee came and took a picture of the flat ( and my furniture) ...
3
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2answers
488 views

How to deposit US social security in Japanese bank

How do I deposit US social security and pension directly to Japanese bank without an American bank?
3
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2answers
119 views

I've left the EU. Should I keep my bank account and credit card?

I was expatriated in the Netherlands for a little under three years, and am now back in my home country (Palestine/Israel). I don't expect to live in the EU again in the near future. I still have an ...
6
votes
2answers
122 views

Withdrawing money to buy a car in Japan

I'm an American living in Japan, and I'm looking to buy a car in Japan in the next couple months. I have a Chase bank account with a debit card and a Sapphire credit card. Unfortunately, I don't ...
1
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0answers
253 views

I am on B1/B2 visa and want to open a credit union account in the US. Can I apply for ITIN to do this? Is this a bad idea?

I am on a B1/B2 visa and want to open a Boeing Employee Credit Union (BECU) checking/savings account in Washington State. My purpose is so that I could have a checking/savings account with 0 USD ...
2
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2answers
63 views

Best way to take money from USA to Italy

I am in USA on temporary immigration status and I got an opportunity to move to Italy. I have saved up some money and I would like to use this money in Italy. There is a chance that I might return to ...
2
votes
1answer
55 views

How to avoid fees when making purchases in a different country?

I asked a similar question here about credit cards: How can I (a US citizen) set up my bank/money when I move to Portugal? From the answer there it seems like there are some cards that have no ...
1
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0answers
48 views

Do I need a local German bank account, if I have an account in another eurozone country?

SEPA is supposed to provide for a single Euro payments area, where direct deposits and direct debits are supposed to be unified across the eurozone. IBAN replaces local bank account numbers. A ...
4
votes
1answer
108 views

How can I (a US citizen) set up my bank/money when I move to Portugal?

I'm a US citizen and I've lived in the US all my life. Soon I will be moving to Portugal for 6-12 months. How can I set up my money situation so that I don't have to pay an international fee every ...
2
votes
2answers
235 views

Opening a German bank account remotely from Romania

I have been informed by my new employer that I need to supply them with a valid German bank account. I am starting with them in one month, and have no apartment (in the search for which I also need a ...
1
vote
1answer
520 views

Paying off a credit card balance with a foreign bank?

I am getting ready to start a job in Israel, and have been told that the company requires me to have an Israeli bank account that they will direct deposit my salary into. I have heard that credit ...
3
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0answers
54 views

Why do some US banks not allow US citizens living in Ireland to open/maintain accounts?

Charles Schwab is closing my account because I inquired about changing my address to my Irish residence. I am not sure if the other bank accounts I have in the US have similar policies, but am afraid ...
-1
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2answers
55 views

Are there any banks in Canada that don't charge large fees for transactions in foreign currencies? [closed]

Looking at the offers from Canadian banks it seems that the choice is quite poor for people who travel a lot. Every bank seems to charge 2.5% on top of dubious exchange rates for every transaction in ...
1
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1answer
133 views

Are personal cheques still used in Canada?

When looking at bank account options in Canada I can see that many still offer free personal cheques. To me this is something out of the movies, since I've never written a cheque as a (young) European....
2
votes
1answer
84 views

Can I create another bank account in a different branch in China? [closed]

I already have a few Chinese bank accounts (ICBC, Construction Bank, and China Merchants Bank). But all of them were opened in Shanghai, and I want to create a new account in different cities. So can ...
1
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0answers
208 views

How are saving accounts taxed in The Netherlands?

When inheritance money that was already taxed in the country of origin is credited into my Netherlands savings account, do I have to pay taxes on just what is earned by interest, or would I also be ...
3
votes
2answers
224 views

Dormant Bank Account in Israel

In 2010 I studied in Tel Aviv. During this period I had a student bank account. Unfortunately, I forgot to close my account before leaving, and was not able to close it until now. The account has ...
1
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1answer
55 views

How do bank transfer costs increase when you transfer further within the EU?

I know international bank transfers, across different national currencies, can get pretty expensive; while transfers between my own accounts in the same are typically free (may not be true everywhere)....
1
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0answers
30 views

UK taxes for non UK citizen and non UK resident holding bank account in the UK

I'm a non UK citizen (I'm Algerian) and non UK resident (I work in Saudi Arabia). I Hold a bank account with HSBC in UK. Do I have to pay taxes?
1
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1answer
50 views

Branch banking in the UK [closed]

It has been many decades but is it still true that in the UK you can do your banking only at the branch where you open your current account and not any other branch of the same bank like in the US?
3
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0answers
6k views

Can you keep a Bank of America account with no US address?

I recently moved permanently from the US to Germany, and I am a Swedish citizen. I got a US Virtual post mail address but Bank of America refused it automatically. Can I simply change my address to ...
2
votes
0answers
75 views

Bank annouced they're closing my local account when I told them I needed to change address to a relatives' prior to moving abroad [closed]

I currently bank with an online bank out of Simple, or did until I told them I was moving to Europe, and wanted to change my address to reflect that. They promptly told me that my account would be ...
3
votes
1answer
491 views

Can former expats in the NL keep their Dutch bank account if they move abroad and how do they pay taxes on interest?

I am an EU citizen. I lived in the Netherlands for a few years but left months ago. In a few weeks I'll be moving to another country outside of the EU. I never closed my Dutch bank account. I like my ...
1
vote
1answer
43 views

Is the exchange rate on the date of my application for UK spouse visa what the ECO takes into account or which rate?

I have 80,000$ in my bank account but unfortunately they are oscillating around the £62500 limit for the spouse visa. Sometimes it's 62800, other times it plummets to 61500. So I'm asking, does the ...
1
vote
1answer
72 views

How far apart should my bank statement date be and my application for spouse visa UK?

I am preparing for my UK spouse visa application. Is there a minimum amount of time between me printing my official bank statement from the bank and submitting my application? I know I need to prove ...
2
votes
1answer
115 views

How much amount of money should I show to confirm graduate student visa for Canada?

I have got acceptance for a 2-year research program. Tuition fee is C$12692/year. Living expense is C$6000/year. Supervisor will give me C$5000 for the first year but that depends on my performance in ...
1
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1answer
2k views

What are the consequences if I don't close an unused bank account in Netherlands?

I have left Netherlands and I couldn't close the bank account there as I still had some payments to be received. Now my account shows negative balance. What are the consequences of not closing the ...
6
votes
1answer
155 views

Can I open a bank account in the Netherlands using my workplace address?

I will start working in Rotterdam next month, but I will temporarily stay at an Airbnb room (for the first 3 weeks) while I search for an apartment. However, I need to open a bank account but I will ...
1
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0answers
92 views

How to fill out a W9 form for a joint account in France? [duplicate]

Here's a quick summary of our situation, I tried to write down any info that could help answer my question: I am a french born citizen who also has american citizenship, my husband only has american ...
2
votes
4answers
3k views

Can an expat get a car loan in Malaysia?

I have been working in Malaysia for few months now and want to buy a car for personal use. I have a monthly salary of 5000RM. Is it possible for expatriates to get a car loan in Malaysia?
2
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0answers
74 views

As a US citizen living abroad, how do I obtain a US bank account? [closed]

As a US citizen living overseas, how do I open a US Bank Account?
3
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2answers
5k views

Deutsche Bank rejected Amazon's bill on my account, and now I must pay Amazon EUR 3.00 more for “Rücklastschriftentgelts”?

Not sure if this is the right SE to ask this question. If somebody finds it inappropriate please point it out/move it to the right SE. So I currently live in Germany and I have a bank account (...
1
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0answers
113 views

How to determine the fees when using a Dutch bank card overseas? [closed]

I want to use my Netherlands credit card overseas, to withdraw money in local currency in some non-European states (specifically: USA, Israel). What are, or how do I determine, the (typical) fees and ...
9
votes
1answer
288 views

Canadian bank claims that a joint account requires two W-9 forms

My spouse and I are both US citizens who have lived in Canada for many years. We are seeking to open a joint brokerage account at an institution we haven't banked with before, and a W-9 is required. ...