Opening a US bank account as a non-resident can feel confusing at first — especially if you’re moving from the UK to the USA or spending extended time in America.
The good news?
It’s absolutely possible to open a US bank account as a non-resident, even if you:
- don’t have US citizenship
- recently moved
- are waiting for a Social Security Number
- are still settling into life in the US
This guide explains how to open a US bank account as a non-resident, what documents you may need, and the best banking options for expats and international newcomers. For a complete roadmap of your first month, see our Complete US Setup Checklist.
💵 Why You Need a US Bank Account
Having a US bank account makes life in America much easier.
Without one, you may run into:
- international transaction fees
- expensive currency conversion charges
- trouble receiving payments
- issues paying rent or bills
- declined UK bank cards
A US bank account also helps you start building your financial life in America. This is a crucial step in banking in America for UK expats.
🏛️ Can Non-Residents Open a US Bank Account?
Yes — many US banks allow non-residents to open accounts.
However, requirements vary depending on:
- the bank
- your visa status
- whether you already live in the US
- whether you have a Social Security Number (SSN)
Some banks are much more expat-friendly than others. This is often a major hurdle when moving to the USA from the UK.
📋 Documents You May Need
Most banks will ask for some combination of:
- Passport
- Visa or immigration documents
- Proof of US address
- Phone number
- Secondary ID
- Social Security Number (sometimes)
Important:
👉 Some banks allow non-residents to open accounts before receiving an SSN.
🇬🇧➡️🇺🇸 Best Banks for Non-Residents in the USA
🏛️ Chase Bank
Chase Bank is one of the most popular choices for expats and newcomers.
Why people like it:
- large branch network
- easy access across the US
- good mobile banking
- widely accepted debit cards
Best for: People wanting a traditional US bank.
🌍 HSBC
HSBC can be especially useful for UK residents already banking with HSBC in Britain.
Benefits:
- international banking support
- familiarity for UK expats
- easier cross-border setup
💻 SoFi
SoFi is popular for digital banking.
Good for:
- online banking
- app-based users
- fee-conscious expats
💵 Best Way to Transfer Money Into Your US Account
One of the biggest mistakes new expats make is transferring money through traditional banks.
Banks often:
- charge high fees
- use weaker exchange rates
- add hidden conversion costs
Many UK expats instead use:
🌍 Wise
Wise is one of the most popular ways to transfer money from the UK to the USA.
Why expats use it:
- lower fees
- transparent exchange rates
- GBP and USD balances
- easier international transfers
🧠 Can You Open a US Bank Account Without an SSN?
Sometimes, yes. Certain banks may accept:
- ITIN numbers
- passports
- visa documentation
Policies vary by bank and branch.
Tip:
👉 Calling ahead before visiting a branch can save a lot of time.
🏠 Can You Open a US Account Before Moving?
Some international-friendly banks and fintech services may allow partial setup before arrival.
However, many traditional US banks still require:
- in-person verification
- US address confirmation
⚠️ Common Mistakes to Avoid
❌ Waiting too long to open a US account
You’ll likely need one quickly for rent, bills, direct deposit, and phone plans.
❌ Using only UK cards in America
Foreign transaction fees add up fast.
❌ Ignoring transfer fees
International transfer costs can quietly become very expensive over time.
🇺🇸 Final Thoughts
Opening a US bank account as a non-resident is usually much easier than people expect once you know which banks are expat-friendly.
For most UK expats moving to America, the best setup is:
- a reliable US bank account
- plus a low-fee transfer service like Wise
That combination helps make the transition smoother and far less expensive.
Related Guides
- Moving to the USA from the UK (Ultimate Guide)
- Banking in America for UK Expats
- Complete US Setup Checklist
- Best Bank Account for Brits Moving to the USA
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