Questions tagged [banking]

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

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Canada: How to create Job seeker account in Job Bank?

As per the news letter received from CIC Canada, Below is the point mentioned: To complete your online Express Entry profile, you will need to create a Job Seeker Account with Job Bank so you can ...
2 votes
1 answer
90 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 ...
1 vote
2 answers
53 views

Can I open a bank accounts in Germany with a fiktionsbescheinigung?

Fiktionsbescheinigung is the temporary residence permit given to people in waiting to get their residence permit. I would Like to know if it is possible to open a bank account with a German bank using ...
3 votes
1 answer
153 views

Bank of America: solve the requirement for US phone number and address

I have a bank account in Bank of America, which I was maintaining while I was living there, but I have moved to Europe since about 8 years. The bank account still has some active balance, so I would ...
4 votes
3 answers
591 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 ...
4 votes
2 answers
17k 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 ...
1 vote
2 answers
5k views

How to find out the name of the person that an IBAN number belongs to?

If you have someone's IBAN number in another European country than the one you're in (therefore, no local branch of their bank of where you are), is there a way to find out the full name of the person ...
2 votes
0 answers
35 views

Leaving country soon, can I leave my bank accounts open?

I am a Tunisian citizen currently residing in Turkey with a work permit. However, due to a restructuring in the startup I worked for, I've been laid off and my work permit will not be renewed. As it's ...
3 votes
1 answer
129 views

How does one get back the money from a blocked account?

For purposes of studying in Germany, one has to show a certain amount of money in a bank account known as "Sperrkonto", which periodically deposits some amount of money per month to our ...
1 vote
1 answer
128 views

What is the difference between TIN and SSN when filing a W-9 form?

I am a dual French-American citizen living in the US and I need to fill out a W-9 for my French bank account. I'm not sure what to write for the TIN. I looked it up online and found on the IRS website ...
2 votes
1 answer
63 views

Problem accessing Bank of China account from the UK

My wife has a Bank of China account that she opened in China. The phone number on the account is no longer active, the contract was cancelled long ago. She currently lives in the UK. She wants to ...
4 votes
3 answers
223 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 ...
3 votes
2 answers
4k views

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

I recently moved to India from the US and have an active Bank of America account in the US. I was able to update my new Indian address as my mailing address in my contact information but I am not able ...
1 vote
1 answer
57 views

Would my bank account be tied to the address I anmeldet with?

I am planning out my life in Germany, and it will be needed that I travel between a few states in the beginning. Hence, this question arised, would my bank be tied to the anmeldung I gave for it? If ...
2 votes
1 answer
139 views

Ex-Swedish resident without Swedish bank account; can I get a statutory pension overview without a Bank ID, or get a Bank ID living abroad?

I am a Dutch citizen and I have previously worked in Sweden and contributed to statutory and occupational pension schemes (see the findyourpension website for details on how pensions work in Sweden). ...
3 votes
2 answers
98 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 vote
0 answers
60 views

What is the least restrictive loan in Sweden?

My specific situation is I am a Swedish citizen and I currently reside in Sweden, I have very bad credit history, and I am a fulltime student with capital income as opposed to any kind of employment. (...
1 vote
1 answer
75 views

French bank requesting W-9 repeatedly

I have been living in France since 2019 so I'm used to the goofy US tax requirements. I recently changed banks (actually, from Crédit Mutuel in the north to Crédit Mutuel in the south). I originally ...
3 votes
1 answer
224 views

Will a U.S. citizen be able to open a bank account in Sweden?

Years ago, my spouse and I moved to Switzerland. While living there, we found out that due to FATCA laws and my spouse being a U.S. citizen, opening a bank account would be difficult. It was ...
1 vote
1 answer
155 views

What is the penalty for not closing an account in Netherlands?

I am an EU citizen. 11 months ago, I opened an account with ING bank in the Netherlands. I was working in the country and needed an account to receive my salary. However, I never received a debit card....
1 vote
0 answers
333 views

ING bank Netherlands closed account with negative balance

I'm a foreigner and on 12.1 I closed my ING orange account by MijnIng with last balance 0,60 eur. All went smoothly. About a week later I got a letter "Afschrift Betaalrekening" and there ...
2 votes
1 answer
217 views

I left money in my JP Bank account when I permanently departed Japan. What are my options for accessing it?

I previously resided in Japan, but I left the country two years ago and no longer have residence status. What are my options for accessing the money I left in my Japan Post Bank account there? More ...
7 votes
4 answers
4k views

Expat-friendly local bank in the Philippines?

I've been banking with BDO for a while, but I've found their service to be fraught with red tape and charges for very minor services. Just now, I was trying to move to a new branch. Going to a branch ...
1 vote
0 answers
148 views

Retiring to Europe- need US phone number for Bank transactions. Bank only accepts 2 FA through SMS from a US number. Can not find a provider-NO VoIP

My question is about Banks, 2 factor authentication, US phone number, SMS
2 votes
1 answer
238 views

Declaring Foreign Joint Bank accounts Netherlands

I live and work in the Netherlands. My 30% ruling is about to end during this year (2021) so for the current year's income tax return I will be asked to declare all my foreign bank accounts. I am ...
2 votes
0 answers
108 views

How are Russians who oppose/distrust their government supposed to live abroad? [closed]

In the last six weeks since Russia's unprovoked and illegal attack against Ukraine, a lot of young Russians have left the country in protest against their government. However, paradoxically, Western ...
2 votes
2 answers
14k 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 vote
0 answers
65 views

How to send money overseas to family without falling prey to scams? [closed]

For the first time in my life I am looking into sending money overseas. I know that I could "easily" do it through my bank, but I have heard from many sides that the "easy" comes ...
53 votes
11 answers
180k views

How to open up your first UK bank account without proof of address?

In the UK, to prove your address you can usually use your bank statement. But to get a bank statement, you need to get a bank account, and to get a bank account, you have to prove your address. While ...
4 votes
0 answers
667 views

ABN AMRO hiked its fees on accounts when you live outside NL - what to do?

Starting July 2021, ABN AMRO has introduced a steep fee on accounts of people living outside NL: Between 2 and 15 EUR / month just for having the account, depending on the country you live in. This ...
6 votes
1 answer
341 views

I live in Taiwan. A major US bank wants me to close my checking account, what should I do?

My wife and I are both US citizens. We opened a joint checking account with Wells Fargo bank in US in 1991. We moved back to our home town (Taipei, Taiwan) after I retired in 2009. During the past 12 ...
1 vote
0 answers
51 views

Is it possible to open a bank account in Belgium with a Carte E or E+?

Is it possible to open a bank account in Belgium with only a "Carte E", which is given to non Belgian EU citizens?
1 vote
4 answers
109 views

Which companies offer good multi-currency bank accounts for the 99%?

I am currently living in the UK and have savings in GBP, but am just about to move to Europe (Germany). Which companies offer multi-currency (EUR/GBP, other) accounts for people who aren't ...
2 votes
1 answer
79 views

Banks suggestions in the Netherlands

I'll be working in the Netherlands, I want to open a bank account there. Id like to ask you for banks suggestions please . Having an English version for the online bank website is a critical issue for ...
1 vote
0 answers
32 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 ...
6 votes
2 answers
198 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 ...
5 votes
3 answers
166 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 vote
0 answers
77 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 vote
0 answers
38 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 vote
1 answer
84 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 vote
1 answer
113 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 ...
1 vote
1 answer
60 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?
3 votes
0 answers
149 views

How do I find a London bank that offers accounts to a US person?

I'm a US citizen and I've moved to London. At some point I'm going to need a bank account here. If I use my usual information-seeking resources (mostly Google searches) I find that everyone and his ...
2 votes
1 answer
100 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 ...
1 vote
1 answer
91 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 ...
2 votes
0 answers
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 votes
0 answers
210 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 ...
4 votes
1 answer
63 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 ...
3 votes
1 answer
899 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
2 answers
7k 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 (...