This page compares 5 accounts available in Panama, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 1 can be opened fully online, 2 explicitly accept non-residents, 1 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
2 of the 5 accounts on this page explicitly accept non-residents (Tower Bank, Wise (available in Panama)). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 1 of the 5 accounts can be opened fully online (Wise (available in Panama)), with no branch visit; the remaining 4 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 1 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.