Banks Offering USD Accounts

USD accounts are the most requested category in cross-border use: US stock funding, international receivables, trade settlement and tuition payments all run through dollars. Separate three capabilities — can you hold a USD balance, can you receive USD wires (via a US local account number or SWIFT), and can you convert USD back to your home currency cheaply. Many accounts offer only one of these. For US stock funding, what matters is receiving USD and being able to withdraw back to the same account; for trade receivables, having local receiving details to cut intermediary bank charges; for everyday spending, just look at the FX spread.

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

Start with these three

Nu ColombiaDigital Bank · Colombia ★ 4.3 BROU (Banco República Oriental del Uruguay)Traditional Bank · Uruguay ★ 4.2 Banco Continental ParaguayTraditional Bank · Paraguay ★ 4.1

Full comparison75 accounts

AccountPlaceTypeInitial depositMonthly feeHow to applyNon-residentsRating
Nu Colombia Colombia Digital Bank 开户 COP 0 终身免月费 Online Conditional ★ 4.3
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
Banco Continental Paraguay Paraguay Traditional Bank 常见初始存款约 100–200 美元；居留用途约 5,500 美元 约 5–15 美元/月 Must visit Conditional ★ 4.1
CIB Egypt Egypt Traditional Bank Bedaya 账户无最低开户金额；外币储蓄户 1,000 美元等值起 Bedaya 免费；其他账户按费率表 Must visit Conditional ★ 4.1
Banco Pichincha Ecuador Traditional Bank 无开户存款，仅借记卡一次性工本费 US$5.15 储蓄户约 US$1.10/月，达标可免 Remote or in person Conditional ★ 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
GTBank (GTCO) Nigeria Traditional Bank 美元账户 $50 起存 美元账户约 $10/月维护费 Online Conditional ★ 4
Zenith Bank Nigeria Traditional Bank 美元账户 $100 起存 美元账户有维护费 Must visit Conditional ★ 4
Interbank Peru Peru Traditional Bank 储蓄账户公开资料无最低起存要求 基础账户免月费 Must visit Conditional ★ 4
be Produbanco Ecuador Digital Bank 数字账户无最低开户存款 数字账户低费率 Remote or in person Conditional ★ 4
Access Bank Nigeria Traditional Bank 美元账户 $100 起存 美元账户有维护费 Must visit Conditional ★ 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
Banco Guayaquil Ecuador Traditional Bank 标准储蓄账户常见 US$200 起（约 ¥1,440）；另有零费率基础账户可选 基础账户可零月费 Must visit Conditional ★ 3.9
BCEL (Banque pour le Commerce Extérieur Lao) Laos Traditional Bank 初始存款约 $100–500（美元账户） 基础账户免月费 Must visit Conditional ★ 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
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
RBC Royal Bank Canada Traditional Bank 无首存要求 约 0–17 加元/月（可豁免） Must visit Conditional ★ 3.8
Foreign Trade Bank of Cambodia Cambodia Traditional Bank 储蓄账户 50 美元起（约 ¥355）；往来账户 500 美元 基础账户免月费 Remote or in person Conditional ★ 3.8
Bangkok Bank Laos Laos Traditional Bank 初始存款约 $100–500 基础账户免月费 Must visit Conditional ★ 3.8
Banco General Panama Traditional Bank 非居民约 $2,000 存款（审查较严） 依账户档位而定 Must visit Conditional ★ 3.8
Banco Cuscatlán El Salvador Traditional Bank 基础活期初始约 $30 基础账户月费较低 Must visit Conditional ★ 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
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
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
Banco Sudameris Paraguay Paraguay Traditional Bank 初始存款约 100 美元（约 ¥710） 按套餐，满足条件可减免 Must visit Conditional ★ 3.7
Lao Development Bank Laos Traditional Bank 初始存款约 $100–500 基础账户免月费 Must visit Conditional ★ 3.7
Joint Development Bank Laos Traditional Bank 初始存款约 $100–500 基础账户免月费 Must visit Conditional ★ 3.7
Multibank Panama Panama Traditional Bank 非居民约 $1,000 存款 依账户档位而定 Must visit Conditional ★ 3.7
BAC Credomatic Panama Panama Traditional Bank 非居民约 $1,000 存款 依账户档位而定 Must visit Conditional ★ 3.7
BAC Credomatic Costa Rica Costa Rica Traditional Bank 非居民初始存款约 $500 依账户档位而定 Must visit Conditional ★ 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
Davivienda El Salvador El Salvador Traditional Bank 非居民初始存款约 $100 依账户档位而定 Must visit Conditional ★ 3.7
Fidelity Bank Ghana Ghana Traditional Bank 非居民初始存款约 GHS 200（约 $13） 基础账户月费较低 Must visit Conditional ★ 3.7
Ecobank Ghana Ghana Traditional Bank 非居民初始存款约 GHS 100（约 $7） 依账户档位而定 Must visit Conditional ★ 3.7
NMB Bank Tanzania Traditional Bank 非居民初始存款约 TZS 10,000（约 $3.8） 基础账户月费较低 Must visit Conditional ★ 3.7
Centenary Bank Uganda Traditional Bank 非居民初始存款约 UGX 50,000（约 $13） 基础账户月费较低 Must visit Conditional ★ 3.7
Standard Chartered Uganda Uganda Traditional Bank 非居民初始存款约 UGX 50,000（约 $13）/ USD 100 依账户档位而定 Must visit Conditional ★ 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
ACLEDA Bank Laos Laos Traditional Bank 初始存款约 $100–500 基础账户免月费 Must visit Conditional ★ 3.6
Banco Nacional de Costa Rica Costa Rica Traditional Bank 非居民初始存款约 $500（美元账户） 依账户档位而定 Must visit Conditional ★ 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 Agromercantil Guatemala Traditional Bank 非居民初始存款约 $500 基础账户月费较低 Must visit Conditional ★ 3.6
BAC Guatemala Guatemala Traditional Bank 非居民初始存款约 $1,000 依账户档位而定 Must visit Conditional ★ 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
Promerica El Salvador El Salvador Traditional Bank 非居民初始存款约 $100 依账户档位而定 Must visit Conditional ★ 3.6
Banco Salvadoreño El Salvador Traditional Bank 非居民初始存款约 $100 依账户档位而定 Must visit Conditional ★ 3.6
BAC Nicaragua Nicaragua Traditional Bank 非居民初始存款约 $50 依账户档位而定 Must visit Conditional ★ 3.6
Bank of Baroda Fiji Fiji Traditional Bank 非居民储蓄初始约 FJD 50（约 $22） 基础账户月费较低 Must visit Conditional ★ 3.6
UBA Ghana 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 Conditional ★ 3.6
Bank of Baroda Tanzania Tanzania Traditional Bank 非居民初始存款约 TZS 50,000（约 $19） 依账户档位而定 Must visit Conditional ★ 3.6
UBA Uganda Uganda Traditional Bank 非居民初始存款约 UGX 50,000（约 $13） 基础账户月费较低 Must visit Conditional ★ 3.6
First Citizens Barbados Barbados Traditional Bank 非居民初始存款约 BBD 1,000（约 $500） 基础账户月费较低 Must visit Conditional ★ 3.6
RBC Royal Bank 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 Conditional ★ 3.6
Banco de Costa Rica Costa Rica Traditional Bank 非居民初始存款约 $500 基础账户月费较低 Must visit Conditional ★ 3.5
Promerica Costa Rica Costa Rica Traditional Bank 非居民初始存款约 $1,000 依账户档位而定 Must visit Conditional ★ 3.5
Heritage Bank Belize Traditional Bank 非居民初始存款约 $1,000 依账户档位而定 Must visit Conditional ★ 3.5
Banco G&T Continental Guatemala Traditional Bank 非居民初始存款约 $500 依账户档位而定 Must visit Conditional ★ 3.5
BAC Honduras Honduras Traditional Bank 非居民初始存款约 $100 依账户档位而定 Must visit Conditional ★ 3.5
Banco Ficohsa Honduras Traditional Bank 非居民初始存款约 $200 依账户档位而定 Must visit Conditional ★ 3.5
BANPRO Nicaragua Traditional Bank 非居民初始存款约 $100 依账户档位而定 Must visit Conditional ★ 3.5
BSP Fiji Fiji Traditional Bank 非居民初始存款约 FJD 100（约 $44） 基础账户月费较低 Must visit Conditional ★ 3.5
DFCU Bank Uganda Traditional Bank 非居民初始存款约 UGX 50,000（约 $13） 基础账户月费较低 Must visit Conditional ★ 3.5
Lafise Costa Rica Costa Rica Traditional Bank 非居民初始存款约 $1,000 依账户档位而定 Must visit Conditional ★ 3.4
Banrural Guatemala Traditional Bank 非居民初始存款约 $500 基础账户月费较低 Must visit Conditional ★ 3.4
Davivienda Honduras Honduras Traditional Bank 非居民初始存款约 $200 依账户档位而定 Must visit Conditional ★ 3.4
Avanz Nicaragua Traditional Bank 非居民初始存款约 $50 基础账户月费较低 Must visit Conditional ★ 3.4
FICOHSA Nicaragua Nicaragua Traditional Bank 非居民初始存款约 $100 依账户档位而定 Must visit Conditional ★ 3.4
HFC Bank Fiji Fiji Traditional Bank 非居民初始存款约 FJD 100（约 $44） 基础账户月费较低 Must visit Conditional ★ 3.4
Banpaís Honduras Traditional Bank 非居民初始存款约 $100 基础账户月费较低 Must visit Conditional ★ 3.3

Frequently asked questions

Do USD accounts need a US local account number?

No. Most offshore USD accounts receive via SWIFT without a US ACH routing number. You only need local receiving details if the payer is in the US and wants to pay by domestic transfer.

Why does my USD wire arrive short?

Intermediary bank fees. A cross-border USD wire can pass through one to three intermediaries, each deducting roughly USD 15–40, borne by the beneficiary. Institutions offering local receiving details cut this loss substantially.

Can I fund a US broker from a USD account?

Yes for same-name accounts. Note that many brokers require the funding bank account to match the brokerage account name and require withdrawals to return to the source — never fund from someone else account or a temporary one.

Is there a cap on USD holdings?

Usually not at account level, but cross-border declaration rules apply. Mainland China residents should observe the annual personal FX purchase quota and reporting requirements; offshore accounts follow local regulation. Nothing here is tax or legal advice.

Can USD accounts be frozen?

Yes, on the same triggers as any account: unusual transaction patterns, unclear source of funds, exposure to sensitive jurisdictions. USD accounts face tighter scrutiny because of their cross-border nature — keep funds consistent with your declared purpose.

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