Questions tagged [banking]

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

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46
votes
10answers
173k 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 ...
24
votes
4answers
7k views

How to go about building credit history in the UK?

I understand that if I move to another country, my good credit history in the United States will not be recognized. But this leads to a chicken-and-egg issue: if no one will give me credit, how can I ...
16
votes
2answers
11k views

How to open bank account in France if I don't have address of residence yet

I just moved into France from another EU country. I wanted to open a bank account, but traditional banks want a confirmation of address (either from the landlord or e.g. an electricity bill), and ...
12
votes
1answer
9k views

My foreign bank is requesting I fill out a W-9

I am a U.S citizen who has been living in Argentina for the last 3 years. I am a legal permanent resident here and I work for an Argentine company, get paid in Argentine pesos and pay Argentine taxes. ...
12
votes
1answer
747 views

If I have several foreign accounts, only one of which is >$10k, do I need to report all on the FBAR?

I am a US citizen living outside the US for several years. For the first time, I had over $10,000 in a foreign account. Apparently, now I have to file an FBAR. I have several accounts overseas but ...
10
votes
4answers
317 views

Does a U.S. citizen have to give up his credit cards and bank accounts when he moves abroad?

Credit card applications usually say "must be a U.S. resident". If a U.S. citizen moves abroad temporarily, and he doesn't want to use his friends' or relatives' U.S. addresses to get his mail, and ...
10
votes
3answers
610 views

As a new arrival in France, will I have problems using a non-French Euro bank account?

I'm thinking of moving to France quite soon, and based on this question on opening a French bank account, I've some idea of what'd be involved in opening a new account there. However, I already have a ...
9
votes
1answer
234 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. ...
9
votes
5answers
5k views

Are there foreign-resident friendly US bank accounts or brokerage accounts?

I often find that US banks/brokerages are not able to deal with foreign addresses. I've had Vanguard tell me that I cannot roll over an existing 401k into a new IRA account because I couldn't give ...
9
votes
1answer
1k views

Opening a Bank Account in Hong Kong as a new arrival?

If I've just arrived in Hong Kong to settle there, as a non-HK-national, how could I go about getting a Hong Kong bank account? I'm interested in the kinds of documents one would have to produce, and ...
8
votes
3answers
10k views

How can I find an affordable first credit card in Mexico?

I'm a US Citizen, now living in Mexico. I would like to find an affordable Mexican credit card, but I have no Mexican credit. What are my options?
7
votes
1answer
620 views

Getting a bank account without a Norwegian fødselsnummer

The process of applying for a Norwegian fødselsnummer can take quite a while. At the same time, everything in Norway is paid by credit card which you cannot get without a bank account which in return ...
6
votes
3answers
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 ...
6
votes
1answer
143 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 ...
6
votes
1answer
777 views

Are there alternatives to a cheque for “caution” (deposit) when renting as a new arrival in France?

I've been in France a few days now, and I'm looking to rent somewhere (hotels etc being a little expensive for the long term). Having spoken with a few agents, they all seem to want a Euro denominated ...
6
votes
1answer
406 views

Bank account for salary in another Euro country

I have a bank account in Euro in a bank in Europe inside the Single Euro Payments Area (SEPA) where I live an work. I'm wondering if I could relocate to another European country that it also uses ...
6
votes
2answers
1k views

If we are unable to open, or keep open, a bank account because of FATCA, what are our other options?

I am a U.S. citizen. I have previously worked and lived in Austria and had offers to work there again. Austria has very strict banking secrecy laws. They cannot reveal a person's bank account details,...
5
votes
4answers
14k views

International money transfer online from a French bank

I opened a bank account with Société Générale in France and got access to their Internet banking. I was surprised to see that a wire transfer can only be done online to another bank in France. For ...
5
votes
2answers
88 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
1answer
9k views

Open a Canadian bank account without being present in Canada?

What are the ways for a non-resident to open a Canadian bank account—preferably without fees—without being physically present in Canada? I know many (but not all) Canadian banks allow non-residents ...
5
votes
1answer
401 views

As a foreigner opening a first bank account in France, how long to get a cheque book?

Thanks to the answers in How to open bank account in France if I don't have address of residence yet, I think I now possess the required documents in order to open a French bank account. Yey! As ...
5
votes
1answer
249 views

How are foreign savings/current accounts taxed in US?

When moving to the US on a H1B or L1 visa, how are savings and current accounts in Europe taxed? Are the interest on them taxed? What about changes of exchange rate between USD/GBP/EUR from one year ...
5
votes
1answer
155 views

Can credit score be transferred from UK to Australia?

I have quite a good credit rating in UK which allows me to get mortgages approved more easily, getting credit cards and such,... there is possibility of me ending up in Australia... I am sure I am ...
4
votes
2answers
653 views

Can't use my Dutch bank account in Germany. Is SEPA a total lie?

I have a bank account with ABN AMRO in the Netherlands. Since it's Euro-denominated and the app doesn't suck, I thought I'd just keep using it now I've moved to Germany. But this doesn't work. Two ...
4
votes
2answers
359 views

How should I keep track of my financial assets across borders and currencies?

I'm an expat and am curious: Is there any better way out there to manage my various assets in differing currencies across borders and markets? Currently, I just use a spreadsheet, but it is becoming ...
4
votes
2answers
389 views

EU Friendly bank to use in Thailand

I am an EU citizen and I'd like to spend some month in Thailand (which may extend to years). I'd like to open an international bank account before leaving so that I have access to local branch in ...
4
votes
1answer
163 views

Bound accounts in France and Canada

I am a resident in France and am considering moving back and forth to Canada in the next years. I currently have a bank account in France. I am looking for a bank that would offer an account in both ...
4
votes
1answer
50 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 ...
4
votes
1answer
181 views

Postal address without fixed abode?

Disclaimer: I'm not sure if this question is appropriate for this site, Travel SE, both or neither. For a great many amenities which are useful to most people (e.g. bank accounts), you need to supply ...
4
votes
1answer
797 views

W9 Form is required by my bank. Do I have to report to the IRS income that is my Argentine wife's?

Regarding the Form W9 that my Argentine Bank is requiring: My wife (Argentine) is the main person on the checking account. I am just a secondary person on this account. She receives monthly ...
4
votes
1answer
102 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 ...
4
votes
1answer
1k views

Left the Netherlands already, still have bank savings there, will it be taxed?

I have worked in the Netherlands for about two years, and I left just last summer. Since then the euros are going down and where I currently live there's a almost zero interest rate on savings, so I ...
4
votes
1answer
165 views

Open Bank Account with one year work permit in Malaysia

I'm an expat on a work permit in Malaysia. This is the second company I joined, few months back. Previously I worked for another company which provided me a three-year work permit. With the new ...
3
votes
2answers
3k 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 (...
3
votes
1answer
120 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 ...
3
votes
2answers
100 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
2answers
149 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
votes
1answer
2k views

My (soon to be) wife is not a US resident, but can we have a joint US bank account?

As a US citizen and employee of a US company, my bank accounts are in the US even though I spend very little time (2-3 weeks per year) physically in the US. I'm about to get married to a Guatemalan. ...
3
votes
2answers
163 views

Does moving house invalidate French cheques?

I was looking earlier at my French cheque book, and was rather surprised to see that the cheques not only have the bank's address on them, but also mine too. In other countries where I've had cheque ...
3
votes
2answers
149 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 ...
3
votes
1answer
178 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 ...
3
votes
1answer
720 views

How can an American citizen working in India easily and cheaply send money to a bank account in the USA?

I am a US citizen who has taken a job in India. I will be there for at least a year, if not longer. I have savings accounts in the USA I want to continue to contribute to, as well as some financial ...
3
votes
0answers
49 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 ...
3
votes
0answers
3k 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 ...
3
votes
0answers
141 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 ...
3
votes
0answers
209 views

UK expat bank account [duplicate]

How can a UK citizen open a UK bank account without a UK address? Are there any UK banks which do this? I have recently been told that my UK bank account, used for pension payments, is to be closed ...
2
votes
2answers
58 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
3answers
131 views

Job needed for French bank account?

I am traveling in France for an extended period, just on holiday and probably staying to live after. Do I need a job to open a bank account here? I have UK and New Zealand passports and I have come ...
2
votes
1answer
6k views

Where I can cash a paycheck in London without a bank account

Where can I cash a paycheck in London, if I don't have a bank account. Cheap and fast.
2
votes
1answer
4k views

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 ...