Bank Accounts Open to Non-Residents

A non-resident is an applicant without local residence or local tax residency status. This is where offshore banking most often goes wrong: the same bank frequently applies entirely different document sets, minimum deposits and even eligibility to residents versus non-residents. The accounts here explicitly accept non-resident applications — but being eligible to apply is not a guarantee of approval. Nationality, country of residence, source of funds and stated purpose all still matter. With anti-money-laundering reviews tightening worldwide, requests for source-of-funds documentation are increasingly common, so prepare income proof and a clear purpose statement in advance.

Data verified: 2026-10-09 · Compiled from published bank terms

Start with these three

Wise多币种账户 · Multi-currency ★ 4.6 Bank of China (Hong Kong)Traditional Bank · Hong Kong, China ★ 4.4 Ant Bank (Macao)Digital Bank · Macao, China ★ 4.4

Full comparison107 accounts

AccountPlaceTypeInitial depositMonthly feeHow to applyNon-residentsRating
Wise Multi-currency 多币种账户 无最低存款要求 仅按使用付费，无月费 Online Non-residents OK ★ 4.6
Bank of China (Hong Kong) Hong Kong, China Traditional Bank 部分网点要求首存 1,000 港币 视账户类型，0–60 港币/月 Must visit Non-residents OK ★ 4.4
Ant Bank (Macao) Macao, China Digital Bank 无开户门槛、无最低存款要求 免账户管理费、免年费 Online Non-residents OK ★ 4.4
HSBC Hong Kong Hong Kong, China Traditional Bank 无首存要求 免账户管理费 Must visit Non-residents OK ★ 4.3
Revolut Spain Spain Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.3
Revolut Bank UAB Lithuania Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.3
TBC Bank Georgia Traditional Bank 基本账户无最低存款要求 基本账户免费，或 2–5 美元/月 Must visit Non-residents OK ★ 4.3
Bank of China Macau Macao, China Traditional Bank 定存 1 万港币 + 500 美元保险（5 年期） 免账户管理费、免查册费 Must visit Non-residents OK ★ 4.3
BancoEstado Chile Traditional Bank 无最低存款，免费开户 免账户管理费 Must visit Non-residents OK ★ 4.3
MCB (Mauritius Commercial Bank) Mauritius Traditional Bank MCB 无最低存款要求 基本账户免管理费 Must visit Non-residents OK ★ 4.3
Standard Chartered HK Hong Kong, China Traditional Bank 通常要求首存 1 万港币 不达标约 100 港币/月 Must visit Non-residents OK ★ 4.2
Hang Seng Bank Hong Kong, China Traditional Bank 无首存要求 免账户管理费 Must visit Non-residents OK ★ 4.2
Payoneer Multi-currency 多币种账户 无最低存款要求 无月费，按收款与提现计费 Online Non-residents OK ★ 4.2
WorldFirst Multi-currency 多币种账户 无最低存款要求 免月费 Online Non-residents OK ★ 4.2
Revolut Greece Greece Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Malta Malta Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Luxembourg Luxembourg Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Finland Finland Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Poland Poland Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Hungary Hungary Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Liv by Emirates NBD United Arab Emirates Digital Bank 无首存要求 免月费 Online Non-residents OK ★ 4.2
Revolut Cyprus Cyprus Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Bank of Georgia Georgia Traditional Bank 基本账户无最低存款要求 基本账户免费，或 2–5 美元/月 Must visit Non-residents OK ★ 4.2
Cathay United Bank Taiwan, China Traditional Bank 起存金 1,000 新台币 免账户管理费 Must visit Non-residents OK ★ 4.2
Banco de Chile Chile Traditional Bank Cuenta FAN 免费，无最低存款 Cuenta FAN 免管理费 Must visit Non-residents OK ★ 4.2
BROU (Banco República Oriental del Uruguay) Uruguay Traditional Bank 非居民需 ≥5,000 美元定期存款并冻结至少 181 天 基本账户月费低，常有减免 Must visit Non-residents OK ★ 4.2
KCB Bank Kenya Kenya Traditional Bank 开户余额约 2,000 先令 维持 1,000 美元等值以上免 ledger 费 Remote or in person Non-residents OK ★ 4.2
CIH Bank Morocco Traditional Bank 线上开户无强制最低存款；外籍客户可通过邮寄方式远程开户 约 15–30 MAD/月，数字服务多免费 Remote or in person Non-residents OK ★ 4.2
Kaspi Bank Kazakhstan Digital Bank 无首存要求；Kaspi Gold 分行现场约 60 秒出卡 基础卡免年费，部分 premium 服务另计 Must visit Non-residents OK ★ 4.2
East West Bank United States Traditional Bank 通常要求首存 1,500 美元起（部分账户更低） 约 0–15 美元/月 Remote or in person Non-residents OK ★ 4.1
Revolut New Zealand New Zealand Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.1
Revolut Ireland Ireland Digital Bank 无最低存款要求 基础版免月费 Online Non-residents OK ★ 4.1
E.SUN Bank Taiwan, China Traditional Bank 起存金 1,000 新台币 免账户管理费 Must visit Non-residents OK ★ 4.1
Banco de la Nación Argentina Argentina Traditional Bank 移民账户免费，无最低存款 移民账户免管理费 Must visit Non-residents OK ★ 4.1
Banco Galicia Argentina Traditional Bank 约 5 万比索（约 50 美元）起存 基本账户免管理费 Must visit Non-residents OK ★ 4.1
SBM (State Bank of Mauritius) Mauritius Traditional Bank 约 1,000 卢比起存 基本账户免管理费 Must visit Non-residents OK ★ 4.1
OTP banka Croatia Croatia Traditional Bank 标准往来账户无最低存款，开户费约 €0.99 标准账户月费几欧元；2026-01-01 起银行须提供免费基础服务包 Must visit Non-residents OK ★ 4.1
Erste Bank Croatia Croatia Traditional Bank 往来账户通常无最低存款要求 月费几欧元，部分情形可免 Remote or in person Non-residents OK ★ 4.1
Uzum Bank Uzbekistan Digital Bank 基础 som 卡无首存、月费通常 0 基础卡月费 0 Remote or in person Non-residents OK ★ 4.1
Meezan Bank (Roshan) Pakistan Traditional Bank Roshan 数字账户零最低余额、零初始存款 Roshan 账户免月费 Online Non-residents OK ★ 4.1
ING Bank România Romania Digital Bank 无最低营运余额，远程数字开户 约 €10/月（基础档） Remote or in person Non-residents OK ★ 4.1
mBank Slovakia Slovakia Digital Bank 账户 100% 免费，无最低初始存款 账户与卡均 0 月费 Remote or in person Non-residents OK ★ 4.1
Banco Agrícola Digital Savings El Salvador Digital Bank 数字储蓄 $0 起，无首存要求 基础数字账户月费 0 Remote or in person Non-residents OK ★ 4.1
Absa Bank Ghana Ghana Traditional Bank 外汇活期无最低余额，可在线申请 依账户档位而定 Online Non-residents OK ★ 4.1
ICBC (Asia) Hong Kong, China Traditional Bank 一般要求首存 1 万港币 视账户类型，约 0–50 港币/月 Must visit Non-residents OK ★ 4
DBS Bank Singapore Traditional Bank 非居民开户通常要求首存 1,000 新币 约 0–5 新币/月 Must visit Non-residents OK ★ 4
Bangkok Bank Thailand Traditional Bank 无首存要求 基础账户月费约 150 泰铢 Must visit Non-residents OK ★ 4
Taishin Bank Taiwan, China Traditional Bank 起存金 1,000 新台币 免账户管理费 Must visit Non-residents OK ★ 4
Tai Fung Bank Macao, China Traditional Bank 普通账户最低 1 万澳门元 免账户管理费 Must visit Non-residents OK ★ 4
Luso International Banking Macao, China Traditional Bank 定存 1 万港币（三个月可取） 免账户管理费 Must visit Non-residents OK ★ 4
Santander Río Argentina Traditional Bank 普通账户约 5 万比索；非居民可能要求更高验资 视账户类型，基本账户免管理费 Must visit Non-residents OK ★ 4
Santander Chile Chile Traditional Bank 少量首存约 1,000 比索 基本账户免月费，往来账户约 3–9 美元/月 Must visit Non-residents OK ★ 4
Absa Mauritius Mauritius Traditional Bank 约 2,000 卢比起存 基本账户免管理费 Must visit Non-residents OK ★ 4
Bank of Georgia SOLO Georgia Traditional Bank SOLO 贵宾档常见约 1 万美元起；标准个人账户无最低存款 贵宾档免远程银行服务费 Online Non-residents OK ★ 4
Zagrebačka banka Croatia Traditional Bank 非居民账户通常无最低存款要求 非居民账户月费高于居民档 Must visit Non-residents OK ★ 4
Bank of Africa (BMCE) Morocco Traditional Bank 常见初始存款 MAD 200–500（约 ¥150–370） 约 15–25 MAD/月 Must visit Non-residents OK ★ 4
Attijariwafa Bank Morocco Traditional Bank 部分账户初始存款 MAD 1,000–5,000（约 ¥740–3,700） 约 10–20 MAD/月，新 MRE 客户首年常免 Must visit Non-residents OK ★ 4
Halyk Bank Kazakhstan Traditional Bank 基础账户无首存要求 基础服务免月费 Must visit Non-residents OK ★ 4
TBC Bank Uzbekistan Uzbekistan Digital Bank 基础账户无首存、月费 0 基础卡月费 0 Remote or in person Non-residents OK ★ 4
Standard Chartered Pakistan Pakistan Traditional Bank 基础账户最低余额 Rs 0、初始 PKR 100 基础账户免月费 Remote or in person Non-residents OK ★ 4
Banca Transilvania Romania Traditional Bank 基础账户无最低营运余额 约 €0–€5/月 Must visit Non-residents OK ★ 4
Revolut Bank (Romania) Romania Digital Bank 多币种账户 0 起，全程远程 基础档无月费 Online Non-residents OK ★ 4
NLB Slovenia Traditional Bank 基础账户无最低初始存款 约 €5–€10/月 Must visit Non-residents OK ★ 4
Wise (available in Panama) Panama Digital Bank 多币种账户 0 美元起，远程开通 无月费（按笔收汇换费） Online Non-residents OK ★ 4
CMB Wing Lung Bank Hong Kong, China Traditional Bank 一般要求首存 1 万港币 视账户类型，约 0–50 港币/月 Must visit Non-residents OK ★ 3.9
Banco Santander Uruguay Uruguay Traditional Bank 在线开立非居民账户需维持约 5 万美元余额 非居民账户约 50 美元/月 Remote or in person Non-residents OK ★ 3.9
ABC Banking Corporation Mauritius Traditional Bank 初始存款 5,000 美元（约 ¥35,500），开户后一个月内存入 无月费；开户费 100 美元 Online Non-residents OK ★ 3.9
Unibank Armenia Traditional Bank 开户免费，无强制首存 非居民多币种卡约 100,000 AMD/年，GOLD 卡约 200,000 AMD/年 Must visit Non-residents OK ★ 3.9
Privredna banka Zagreb Croatia Traditional Bank 往来账户通常无最低存款要求 月费几欧元 Must visit Non-residents OK ★ 3.9
Bank Alfalah Pakistan Traditional Bank 基础账户零初始存款 免月费 Must visit Non-residents OK ★ 3.9
Raiffeisen Bank Romania Romania Traditional Bank 基础账户无最低营运余额 约 €0–€5/月 Must visit Non-residents OK ★ 3.9
SKB Bank Slovenia Traditional Bank 基础账户无最低初始存款 约 €5–€12/月 Must visit Non-residents OK ★ 3.9
Tower Bank Panama Traditional Bank 非居民约 $1,000 存款 依账户档位而定 Must visit Non-residents OK ★ 3.9
GCB Bank Ghana Traditional Bank 非居民初始存款约 GHS 100（约 $7） 基础账户月费较低 Must visit Non-residents OK ★ 3.9
Stanbic Bank Uganda Uganda Traditional Bank 非居民初始存款约 UGX 20,000（约 $5.4） Everyday 账户无月费 Remote or in person Non-residents OK ★ 3.9
Banco Popular Dominicano Dominican Republic Traditional Bank 非居民初始存款约 $100（USD）或 RD$500+ 基础账户月费较低 Must visit Non-residents OK ★ 3.9
Cayman National Cayman Islands Traditional Bank 非居民个人本地银行约 KYD 1,000（约 $1,200）起 依账户档位而定 Remote or in person Non-residents OK ★ 3.9
Cayman Private Bank Cayman Islands Traditional Bank 私人银行约 $1,000,000 起（另设门槛账户 $25,000 起） 依账户档位而定 Remote or in person Non-residents OK ★ 3.9
Credo Bank Georgia Traditional Bank 基本账户无最低存款要求 基本账户免费 Must visit Non-residents OK ★ 3.8
Raiffeisenbank Croatia Croatia Traditional Bank 往来账户通常无最低存款要求 月费几欧元 Must visit Non-residents OK ★ 3.8
Lafise Nicaragua Nicaragua Traditional Bank 非居民初始存款约 $50 基础账户月费较低 Must visit Non-residents OK ★ 3.8
CRDB Bank Tanzania Traditional Bank 非居民储蓄初始约 TZS 20,000（约 $7.6） 基础账户月费较低 Must visit Non-residents OK ★ 3.8
Stanbic Bank Tanzania Tanzania Traditional Bank 非居民初始存款约 TZS 100,000（约 $38） 依账户档位而定 Must visit Non-residents OK ★ 3.8
Banreservas Dominican Republic Traditional Bank 非居民初始存款约 $100（USD） 基础账户月费较低 Must visit Non-residents OK ★ 3.8
Scotiabank Dominican Republic Dominican Republic Traditional Bank 非居民初始存款约 $500（USD） 依账户档位而定 Must visit Non-residents OK ★ 3.8
Banco Santa Cruz Dominican Republic Traditional Bank 非居民初始存款约 $100（USD） 基础账户月费较低 Must visit Non-residents OK ★ 3.8
Republic Bank Barbados Barbados Traditional Bank 非居民初始存款约 BBD 1,000（约 $500） 依账户档位而定 Must visit Non-residents OK ★ 3.8
Butterfield Cayman Cayman Islands Traditional Bank 非居民国际账户约 $10,000 起 依账户档位而定 Remote or in person Non-residents OK ★ 3.8
Scotiabank Cayman Cayman Islands Traditional Bank 非居民账户约 $25,000 起 依账户档位而定 Remote or in person Non-residents OK ★ 3.8
Paysera Lithuania Digital Bank 无最低存款要求 账户零月费（交易/卡有费） Online Non-residents OK ★ 3.8
OCBC Bank Singapore Traditional Bank 非居民通常要求首存 1,000 新币 约 0–2 新币/月 Must visit Non-residents OK ★ 3.7
Atlantic Bank Belize Traditional Bank 非居民初始存款约 $500 依账户档位而定 Must visit Non-residents OK ★ 3.7
Banco Industrial Guatemala Traditional Bank 非居民初始存款约 $500（USD 账户） 依账户档位而定 Must visit Non-residents OK ★ 3.7
SG Sénégal Senegal Traditional Bank 非居民初始存款约 XOF 25,000（约 $40） 依账户档位而定 Must visit Non-residents OK ★ 3.7
QNB Tunisia Tunisia Traditional Bank 非居民初始存款约 $100 等值 依账户档位而定 Must visit Non-residents OK ★ 3.7
BHD León Dominican Republic Traditional Bank 非居民初始存款约 $200（USD） 依账户档位而定 Must visit Non-residents OK ★ 3.7
CIBC Caribbean Barbados Barbados Traditional Bank 非居民初始存款约 BBD 2,000（约 $1,000） 依账户档位而定 Must visit Non-residents OK ★ 3.7
Scotiabank Barbados Barbados Traditional Bank 非居民初始存款约 BBD 1,000（约 $500） 依账户档位而定 Must visit Non-residents OK ★ 3.7
Cayman International Bank Cayman Islands Traditional Bank 国际账户约 $5,000 起 依账户档位而定 Remote or in person Non-residents OK ★ 3.7
United Overseas Bank Singapore Traditional Bank 非居民通常要求首存 1,000 新币 约 0–5 新币/月 Must visit Non-residents OK ★ 3.6
Liberty Bank Georgia Georgia Traditional Bank 普遍无强制最低存款，常见 1 GEL 即可开户 开户费常见 20–50 GEL，账户维护费为同业最低档 Must visit Non-residents OK ★ 3.6
Tigo Money Paraguay Paraguay Digital Bank 注册即开通，无最低存款 基础钱包免月费 Online Non-residents OK ★ 3.6
Belize Bank Belize Traditional Bank 非居民初始存款约 $1,000 依账户档位而定 Must visit Non-residents OK ★ 3.6
Scotiabank Belize Belize Traditional Bank 非居民初始存款约 $1,000 依账户档位而定 Must visit Non-residents OK ★ 3.6
Banco Atlántida Honduras Traditional Bank 非居民初始存款约 $100 基础账户月费较低 Must visit Non-residents OK ★ 3.6
BIAT Tunisia Traditional Bank 非居民初始存款约 $100 等值 依账户档位而定 Must visit Non-residents OK ★ 3.6
Caye International Bank Belize Traditional Bank 国际账户初始存款约 $5,000 起 依账户档位而定 Must visit Non-residents OK ★ 3.4

Frequently asked questions

Do non-residents always need a local address?

Not always. Some accounts accept a home-country address proof plus passport; others require a local address or tax ID. Each row lists the document checklist — always confirm against the bank at application time.

Why is it getting harder for non-residents?

Mainly CRS and anti-money-laundering enforcement. Banks must establish tax residency and the legitimacy of funds, which lengthens review and raises the chance of document requests. This is industry-wide, not specific to one bank.

Can I apply on a tourist visa?

A few accounts allow it, but most require a residence visa, work permit or long-stay visa. Success rates on tourist visas are low and accounts may be re-reviewed later — filter by your visa type before applying.

Do non-residents pay higher fees?

Possibly. The same bank often sets a higher minimum deposit, lower transfer limits or a monthly maintenance fee for non-residents. The fee columns here are compiled on a non-resident basis.

What if the bank asks for source-of-funds after opening?

This is routine, not a rejection. Provide payslips, an employer letter, tax records or asset origin documentation as requested. The documents should show funds consistent with your declared occupation and income.

Browse by need

Bank Accounts With No Minimum Deposit Bank Accounts You Can Open Fully Online Bank Accounts Open to Non-Residents Digital Bank Accounts Bank Accounts With No Monthly Fee Multi-Currency Bank Accounts Banks Offering USD Accounts Bank Accounts With Fast Approval All accounts by region
Match me in 3 minutes Full comparison Opening guides All accounts