How to get a U.S. bank account as a non-U.S. citizen

For most of banking history, the answer was simple: you couldn't. A U.S. bank account meant a U.S. address, U.S. paperwork, and usually a U.S. passport. Meanwhile, millions of people outside the U.S. get paid by American companies, platforms, and clients every single day — and lose time and money at the border every single time.

That's the wall Fyntiq removes. Every Fyntiq Wallet comes with its own U.S. bank account — real routing and account numbers, in your name, wherever you live.

What you actually get

• Your own routing and account numbers — provided through our partner bank, ready to share like any U.S. account holder.
• A place for U.S. dollars to land — payroll, client payments, and platform payouts, deposited straight to your wallet.
• Direct deposit up to two days early — eligible deposits arrive before payday.*
• Money that's instantly useful — spend it with your Fyntiq Card, send it on in seconds, or hold it in steady dollars.

Who can open one

Eligible customers in our supported countries — currently 74 and counting. You'll verify your identity when you sign up (that's a feature, not a hurdle: identity checks on every account are part of what keeps the network safe). No U.S. residency required.

How to open it — minutes, not paperwork

• 1. Download Fyntiq Wallet and claim your @username.
• 2. Verify your identity — a few minutes with a government ID.
• 3. Get your account details — your routing and account numbers appear in the app, ready to share with whoever pays you.

What to do with it

Give the numbers to your employer for payroll. Add them to the platforms that pay you. Invoice U.S. clients like a local. However they pay, it lands in U.S. dollars, in your wallet, ready to move.