Best USD account in the US for non-residents [2026 Guide]
If you’re not a US resident but need to manage USD payments for yourself or your business, having a US dollar account for non-residents can be helpful. Some banks support USD accounts for non-residents, but they usually require you to have a US physical address.
Multi-currency accounts from specialists can be good alternatives to bank accounts for opening USD accounts with account details, while living in another country.
In this article, we’ll cover what you need to know about opening a USD account, including the best USD account for non-residents in the US such as Wise and Revolut, the costs involved, and how to open one.
Let’s get started.
Quick summary: US dollar currency accounts for non-US residents
| Provider | 💡 Great for |
|---|---|
| Wise | USD and 40+ supported currencies, with ways to send, spend and receive, all with mid-market rates |
| Revolut | USD and 25+ other currencies with different account types based on customer need |
| Payoneer | Business and freelance customers looking to take and send payments in USD and other currencies |
| Bank of America | Non-resident options for Advantage Banking accounts which support cards and offer access to broader bank services |
| Wells Fargo | Non-residents can open a checking account with different plans for varied customer preferences |
Can you open a US dollar account in the US online from abroad?
You can open a US dollar account in the US online from abroad if you choose a digital first provider like Wise or Revolut. US banks typically ask non-resident customers to visit a branch to open their account and get verified.
What should non-residents consider when choosing a USD account provider?
| 💡 Key points to consider: | |
|---|---|
| 🎯Eligibility | US banks do not all offer non-resident services, but digital first providers can often support USD account services for people living elsewhere in the world |
| 💱Supported currencies | If you need to manage USD alongside your home currency or other currencies for travel and day to day use, a multi-currency account can be essential |
| 💰Fees and rates | Accounts may have ongoing fees as well as transaction fees. Compare the available exchange rates if you need to convert from USD to other currencies |
| ➕Add on services | Look out for options which also offer the extras you may need in future, such as low cost payments, receiving accounts, overdrafts or credit cards |
Best USD accounts in the the US
Here’s a comparison of some of the best USD accounts in the the US for non-residents, side by side, with more on each right after the table:
| Providers | 📂 Eligibility | 💰 Account fees | 💡 Linked card | 🎯 Great features |
|---|---|---|---|---|
| Wise | Available to personal and business customers, resident in eligible countries with proof of ID and address | No account opening fee, no ongoing fee | Wise Multi-Currency Card | Hold and exchange 40+ currencies with the mid-market rate |
| Revolut | Available to personal and business customers, resident in eligible countries with proof of ID and address | Fees depend on your residence – US residents pay: 0 USD – 16.99 USD/month for personal customers 10 USD – 140 USD/month for businesses | Different cards available depending on the account selected | Choose different account features and fees to suit your transaction needs |
| Payoneer | Available to registered business owners and freelancers with appropriate documents | 29.95 USD/year if your account does not receive 6,000 USD or more annually | Linked corporate cards available | Send and receive business payments, get working capital and connect with business support services |
| Bank of America | Non US citizen or Green Card holder with a physical US address | 0 USD – 25 USD/month depending on account and balance | All accounts come with a linked debit card | Choose from simple, family friendly or comprehensive packages depending on needs |
| Wells Fargo | Government issued ID showing nationality, proof of a physical US address | 0 USD – 35 USD/month depending on account and balance | All accounts come with a linked debit card | All accounts have ways to waive fees based on minimum account holding or usage |
*About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information. **Bank of America Advantage Banking accounts *** Clear Access, Everyday, Prime and Premier checking accounts. Information checked on 2nd of March, 2026.
Methodology: We selected the banks and providers featured in this article by looking at features, fees and account availability, with a focus on flexible accounts offered to US non-residents in a range of countries. We’ve ordered the accounts according to the number of currencies you can hold in the provider’s core account. Other providers and accounts are also available.
Wise USD account
You can open a Wise account to hold USD and 40+ other currencies, with an optional Wise Multi-Currency Card for spending and withdrawals.
Your account allows you to send payments to 140+ countries, and exchange from one currency to another with the mid-market rate.
Accounts offer ways to receive incoming USD ACH and wire payments, as well as local account details for 8+ currencies so you can get paid easily by others in their preferred currencies.
Open a Wise account online or in the Wise app, with no account opening or maintenance fees, and low, transparent charges for the services you use.
Wise is available in many countries and regions globally, but the exact features can vary depending on your residence.
💡 If you don’t live in the US, you can check this list of countries to learn where you can open a Wise account from.
| Features | Wise pricing and limits |
|---|---|
| 💰 USD account fees | No account opening or maintenance fees* |
| 💱 Currency conversion | Mid-market exchange rates with low, variable fees which depend on the currency and the country you reside in |
| ⬇️ Receiving USD payments | No fee to receive USD payments, including ACH payments (except 6.11 USD to receive USD wire or SWIFT transfer). |
| 🎯 Limits | No holding limit for most currencies, high limits on transfers which depend on the currency involved. 1 million USD limit on payments to US dollars, no limit on CAD payments |
| ⭐ Great features | Mid-market exchange rates, ways to receive incoming payments in foreign currencies, and no ongoing fees |
*About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
➡️ Relevant article for further information: Wise USD Account Review 📚
Revolut USD account
You can open a Revolut account and select the package that suits your needs.
Personal customers may pick a Standard plan which has no ongoing fees, or trade up to an account with monthly costs which has extra features and higher no fee transaction limits.
All accounts offer USD for holding and exchange, and you can receive incoming payments with either local or SWIFT details depending on the country you live in.
| Features | Revolut pricing and limits |
|---|---|
| 💰 USD account fees | Fees depend on your residence – as an example, US residents pay the following: 0 USD – 16.99 USD/month for personal customers 10 USD – 140 USD/month for businesses |
| 💱 Currency conversion | Revolut rate to your plan limit, after which fair usage fees may apply – these costs vary depending on account tier and where you live Out of hours fees may also apply if you convert on a weekend |
| ⬇️ Receiving USD payments | Receive with SWIFT details and in some cases, local account details in USD – options depend on where you live Revolut does not charge for incoming payments |
| 🎯 Limits | Usually no holding limit, some transfer limits may apply depending on where you live |
| ⭐ Great features | Choose different account features and fees to suit your transaction needs |
Payoneer business account
Payoneer has business and freelancer accounts which offer ways to hold, receive, send and spend USD alongside other major currencies.
Accounts have optional corporate cards, and no annual fees if you receive over 6,000 USD to your account yearly.
As Payoneer specialises in business services you can also use your account to set up working capital loans and to access other essential business services such as bookkeeping and accounting through Payoneer partners.
| Features | Payoneer pricing and limits |
|---|---|
| 💰 USD account fees | 29.95 USD/year if your account does not receive 6,000 USD or more annually |
| 💱 Currency conversion | 0.5% fee applies on currency conversion, foreign transaction fee of up to 3.5% on card spending |
| ⬇️ Receiving USD payments | No fee to receive USD with your receiving account details – charges apply when receiving some credit card or ACH payments |
| 🎯 Limits | Variable limits which are shown in your app |
| ⭐ Great features | Send and receive business payments, get working capital and connect with business support services |
Bank of America Advantage Banking
If you’re a non-US citizen or Green Card holder with a physical US address you can open an account from the Bank of America Advantage Banking range.
You’ll need to open your account in a Bank of America branch, but once you have your preferred account open you’ll also get a linked debit card and access to a broad range of USD services.
As Bank of America is a US bank, accounts are designed to hold US dollars only, with no multi-currency features.
| Features | Bank of America pricing and limits |
|---|---|
| 💰 USD account fees | 0 USD – 25 USD/month depending on account and balance |
| 💱 Currency conversion | Bank of America exchange rate applies, which may include a markup |
| ⬇️ Receiving USD payments | Receive incoming ACH and wire payments, access Zelle for US bank to bank payments |
| 🎯 Limits | There are usually no holding limits. Incoming payments may have limits, but these do not apply on incoming wires. Outgoing digital payments can have limits of 1,000 USD – 5,000 USD |
| ⭐ Great features | Choose from simple, family friendly or comprehensive packages depending on needs |
📚➡️ Relevant article: How to open a Bank of America account as a non-resident
Wells Fargo checking accounts
Non-residents with a US address may be able to open a selection of Wells Fargo checking accounts which all come with a linked debit card and access to a broader range of bank services as needed.
Checking accounts cover options for teens and students, everyday accounts and premium account types which require a high minimum deposit or fairly large monthly fees.
Higher tier accounts offer perks like premium support and fee waivers on some services.
| Features | Wells Fargo pricing and limits |
|---|---|
| 💰 USD account fees | 0 USD – 35 USD/month depending on account and balance |
| 💱 Currency conversion | Wells Fargo exchange rate applies, which may include a markup |
| ⬇️ Receiving USD payments | Receive incoming ACH and wire payments, access Zelle for US bank to bank payments |
| 🎯 Limits | Usually no holding limit applies. Transfer limits depend on payment type – up to 5,000 USD/day with Wells Fargo ExpressSend Service or 3,500 USD with Zelle for example |
| ⭐ Great features | All accounts have ways to waive fees based on minimum account holding or usage |
📚➡️ Relevant article: How to open a Wells Fargo account as a non-resident
How does a USD account work?
| 🎯 Get the best out of your USD account | |
|---|---|
| Receive USD payments | Accept payments in USD from US clients or employers, or move your money between your own bank accounts |
| Spend in USD | Use your account to make purchases directly in USD while avoiding conversion fees, with your linked debit card |
| Send USD payments | Transfer money to others in USD and other currencies, to pay bills or send money to loved ones |
| Hold and exchange | Hold a balance in USD or other currencies and switch from one currency to another as and when you need to |
| Get cash | Use your card at an ATM at home or when you travel so you can always spend conveniently |
USD account details
Different banks and providers may offer their own ways to allow you to get paid in USD. This may mean you can receive incoming payments using local transfer methods in the US like ACH, or as SWIFT payments and wires.
Different fees tend to apply to the payment types.
| 📌 USD account details |
|---|
|
US banks may well support both local and international incoming payments.
Providers like Wise and Revolut could offer local or international account information depending on where in the world you are. Wise generally offers USD account information for both ACH, wire and SWIFT payments.
Here’s how to get your Wise USD account information as an example:
- Log into the Wise app and select the plus icon to add a currency, then USD
- Select Get account details
- Follow the prompts to complete verification or make a one time deposit to your account if you have not used account details previously
- Your USD account information will be available immediately
USD account with debit card
All of the accounts we featured in this guide offer linked debit or corporate cards:
| Provider | 💡 Great for |
|---|---|
| Wise | Spend with no fees if you hold the currency needed in your account, get some ATM withdrawals with no Wise fee monthly, and currency exchange with the mid-market rate |
| Revolut | Accounts offer varying cards depending on tier, and may have different no-fee transaction limits. Spend with no extra fees if you hold the currency needed, or exchange with no extra fee on weekdays to your plan limit |
| Payoneer | Corporate cards available for account holders, with a single annual fee for as many cards as needed for your team. Foreign transaction fees may be as high as 3.5% |
| Bank of America | All Advantage accounts offer a debit card which you can use to spend and withdraw. International services are likely to have higher fees, which vary depending on the card and account type you pick |
| Wells Fargo | Choose from a selection of checking accounts which all offer USD linked cards, and international payment and withdrawal services. Additional card fees may apply |
How to open a USD account online as a non-US resident
The account opening process varies by provider.
US banks usually require you to visit a branch but many specialist accounts can be opened online. You’ll need to download the provider app or log into their desktop site and register with some personal and contact information and your ID and address documents.
The type of paperwork by a bank required usually includes:
- Primary ID like a passport or local US driving license
- Secondary ID like a birth certificate or social security card
Providers like Wise may ask for an ID document like your passport, and a proof of address like a utility bill. You might also need to take a selfie to complete verification.
USD business account
All of the services we’ve highlighted in this guide offer business services, although the US banks we have looked at may have additional requirements for business customers. Digital providers can offer flexible USD services, often for customers who don’t live in the US:
| Provider | 💡 Great for |
|---|---|
| Wise | Business accounts with no opening ongoing fees and access to 40+ currencies for holding and exchange |
| Revolut | Choice of business accounts which have different features and fees, with linked debit cards and some no fee transactions |
| Payoneer | Business and freelance accounts with corporate cards and access to working capital and loans |
➡️ 📚Learn more in our guide to the best USD business accounts on the market.
Conclusion: Best US dollar accounts for foreigners
There’s not one single best choice when it comes to US dollar accounts for foreigners but there are several good options which allows you to compare a few and pick the right fit for your transaction needs.
Digital providers can offer a flexible, multi-currency account and card, while US banks tend to specialise in USD holding accounts with access to extras like overdrafts and credit cards.
Compare both to decide which is the right choice for your unique needs.
