The Best US Banks for Global Citizens
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- เผยแพร่เมื่อ 1 มิ.ย. 2024
- nomadcapitalist.com/offshore-...
As you already know from our previous videos, the United States has a unique tax policy for its citizens wanting to go offshore and this policy involves both challenges and advantages.
Here at Nomad Capitalist, we advise US citizens to keep their American bank accounts, but you should choose your bank wisely.
On one hand, you may want to avoid the biggest banks, as they don't train their employees well enough and they don't want to bother with specific situations. On the other hand, really small banks are not a good option as well, as they prefer to avoid any potential risks.
The solution: mid-sized banks with international exposure that tend to develop personal relationships with their clients.
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ABOUT NOMAD CAPITALIST
Andrew Henderson is the world's most sought-after consultant on legal offshore tax reduction, investment immigration, and global citizenship. He works exclusively with six- and seven-figure entrepreneurs and investors who want to "go where they're treated best".
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Andrew has spent the last 11 years studying and personally implementing the Nomad Capitalist lifestyle, and has started offshore companies, opened offshore bank accounts, obtained multiple second passports, and purchased real estate in a total of 20 countries.
He has also spent years creating a behavior-based system that helps people get the results they want faster and with less resistance. Andrew believes that everyone can use offshore strategies to keep more of their own money, live a life of freedom, and grow their wealth faster.
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DISCLAIMER: The information in this video should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Nomad Capitalist can and does not provide advice unless/until engaged by you.
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No doubts , A good way of growing and saving your money is through investing . You don't need to have much before you can invest. "That little money you have now can make you millions if you invest it wisely". I wasnt financial free until my 40’s and I’m still in my 40’s, bought my second house already, earn on a monthly through passive income and got 4 out of 5 goals, just hope it encourages someone that it doesn’t matter if you don’t have any of them right now, you can start TODAY regardless your age INVEST and change your future! Investing is a grand choice I made..
How??
@@Alexedmartin I recommend the services of Regina Louise Collaro, a US based financial advisor and consultant. She works with an international organization ,she has been very good to my financial journey as she is providing full & continues support till my financial goals has achieved.Finding a right financial consultant is as important as finding a right life partner, as they both play a make or break circumstances in your life. I am very happy that i have the right financial consultant, it has helped me in achieving my financial goals from education to nearly retirement.
thanks for this. Can you please share her info
@@Alexedmartin look her up on the internet and leave her a message she's quite popular for her services as she was recently featured on cnn. She can work with anyone irrespective of where their located
@@skoopqueen I have had the intentions of starting investing. But I always thought it was late and I think I need to stop procrastinating. I will definitely 🔍 Regina Louise Collaro and see what she can advise .Thanks a lot . This was of so much help to me .
So I’m going to italy. My apps will work or do i need another phone? I’ve never done the sim card change before. But want to or ATT has a world service for 10$ a day i used in japan.
👍👍👍 Hi Andrew, what go u think about Citi bank??
Молчит, к сожалению
i know this question old but they have offices all over the world u would he suprised 🤛🏿
unrelated to this video, but could you do something about countries to avoid to protect yourself from human trafficking? Thanks!
I've found Charles Schwab to be the best US bank for US citizens living globally. No ATM fees, etc.
Yes, although they are known for closing accounts if you stay overseas.
Nomad Capitalist Fair point, I wouldn’t know. I maintain a US residence and thus all communications go through that address.
@@nomadcapitalist as I was informed by Schwab customer support, if the account holder resides out of USA more than 1/2 of year, the account MUST be converted from US type into International one, where the only brokerage account is available and no chechking account
I wonder if to comply this rule and to disclose frankly the place of your residence, did anyone still encountered with the troubles of freezing/closing of brokerage account?
@@jimbarr4606 the main problem is that they do have a mechanisms to determine whether the user might be residing overseas, even if there was no confession from him. Normally the customer has 1 mobile device and 1 laptop, and opens the app or website via the same internet providers - this stuff is traceable. likewise occurs when overseas - suddenly there are only foreign IP addresses, and in this case the bank initiates the procedure of verification
@@jimbarr4606 I spoke with them in the way like if I move overseas for about 1 year, should I still convert my account to international? The answer was - if you have the address in the USA, then change it to your relatives address and do not convert.
And I guess, if 1 year is fine then 2 years too :)
Andrew which countries in Europe will open a bank account for Americans with just a US passport?
Wells fargo served me very well in Colombia, Peru, and Mexico, pulling money out of the atm had a tiny fee, but being able to go to any atm anywhere I was very happy!
@@beachkid1 i have usa address
This is why I love Cryptocurrency wallets. You have custody of your money. The more places that accept crypto the better
If it's bitcoin you've got, it might go to $20,000.... or it might go to $2,000.
Could you recommend me a crypto debit card? Thanks
@@dlukton totally agree! don't buy bitcoin! ;)
@@jqueryrocks That comment didn't age well.
Chase is a disaster of control freaks
Citi Group is all over the globe
💯
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Your us your thoughts Merchant Bank for international banking?
Anyone have an opinion on online bank N26 ?
Great content as always. Thanks Andrew!
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Chase is awful. Can't even pay a contractor overseas. Schwab has been easier for me.
yES, FOR me too...I have used. Schwab for 20,yrs. Used to,use Wells Fargo too actually they bought my account from Wachovia which bought that account from First Third in Fla. Wachovia was a mess...whenever I called them I was transferred around for an hour...this happened four times and I never got anywhere. They didnt want to deal with me so I had to get,help from Schwab to get my funds sent to Schwab....I had got go far up. In the company to get the perfect person to,do it who wasnt going to take the run around from Wells Fargo. I used to have a personal banker many years ago, retired now. I have a system in place with my bank abroad to write checks on Schwab. I use my debit card easily,aboad now issued by Scwab. I have had no,issue with Schwab but my patterns have been the same for decades now.
My Charles Schwab got closed with 30days buffer time. I opened it online overseas and it was closed in about a year. No reason given.
Any ideas on Irish banks? I’ve just gotten my citizenship there and want to get a footprint set up.
Maeby HSBC.. ?
Nice tip! I was trying to open an account in Chase bank. I have a business in US but Im not a resident. I only have a Bank of America account. Do I need to open an account if I want to apply for a credit card in other bank?
@@c0t556 Thanks!!
Capital one closed my accounts for logging too often from abroad, and froze my funds until I visited the US... So that's a bad bank choice now.
Thanks for the input 👍
That's valuable info, I almost opened an account with them. Btw, how often was "too often?"
@@paulgianni once or twice a month... not too often in my view .
Yikes !!!
😭
you are supposed to tell them you are overseas, they close it for security
Schwab. So far so good. And no fees at cash machines.
My Charles Schwab got closed with 30days buffer time. I opened it online overseas and it was closed in about a year. No reason given.
Do you get your money? Opened on line maybe . Did u give usa address.
@@edvhollywood4544 Of course I gave US address, real address. I got all money back, just paid wire fee $15 while sending out to friend's ac.
But when i sold my house sent a bunch to MX intercam they asked for closing statement. “Where the funds come from”
What text solutions do you recommend ?
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What do you think of services like transferwise ?
Fucking scam lost $4k with them trying to invest in forex
TransferWise is BS, they froze and closed my private account for a "violation of their policies" with my business activities...
@Dennis Durkop Haha c'mon man grow up yourself and don't tell me to grow up... Who are you? BTW they also failed to communicate properly with me, always telling me to "contact them with the email I registered with", which I did... but they didn't even bother checking that... So my tip: DON'T USE TransferWise.
How does one become a "6 or 7 digit entrepreneur" ?
You could start here: th-cam.com/video/Ofr1SWnadsU/w-d-xo.html
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I wonder what bank he uses??
Had same problems with PayPal Green Dot
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Funny u mention schwab. I had a bad experience with them too. An now they bought my brokerage firm TD Ameritrade. 😭
My Charles Schwab got closed with 30days buffer time. I opened it online overseas and it was closed in about a year. No reason given.
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What about non US citizens who want to travel to the US and open a bank account there due to paypal withdrawals not being supported in their own countries.
He does not care. He aims at rich US citizens.
@@TheHonestFoodTeller 😂
Open in Bank of America!
BBVA lets you open acconts as a non resdent aien that one I know for sure.
Open an online pioneer account, that gives you a US adress and card, so you can use them for PayPal, and dont need to travel to US.
Even if I believe that credit score system is stupid, best credit cards are in US, also in Malaysia and Singapore, UOB offers grest rewards. Do you guys recommend any other bank with great credit cards in Europe or Asia?
Great question. I’m wondering too ?
Standard Chartered Asia Miles Card in Hong Kong is pretty good. Even HSBC Visa Signature. If you are Hong Kong based, you can redeem Cathay Pacific miles at a pretty darn good rate. For example. I can fly in business class from Hong Kong to Mumbai for 50000 miles roundtrip. It would cost me 1800-2100 dollars otherwise. The reward rate works out to 7% approximately if I'm using the SC Asia Miles card on online expenditure. 4.66% on POS transactions. And if I use HSBC visa signature on overseas expenditure, the reward rate works out to around 10%.
Non US citizen, working for a American company, coun't open a Schwab account whit out N.S.N no.....
One large and exchanged bank..
ANDREW CAN U PLEASE MAKE A VIDEO OF YOUR OPINION ON GOOD BANK IN UKRAINE?? THANK U!!
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If the country you are in has a bank in the US.Like Bangkok Bank in Thailand has a branch in NYC.You open a account at Bangkok Bank in Thailand and send money from your account to the routing number of the NYC Bangkok bank and your account in Thailand at the bank.It will go into your account and is a domestic transfer.Transferwize is another option if you have problems with your bank.
I'm an American and certainly very naive about banking practices but I had absolutely no idea, until just two days ago, that I should never have let Wells Fargo know that I was living overseas.
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What about HSBC
He hates it
What's anyone's experience with Wells Fargo?
Just by asking this question, a wells fargo employee has already fraudulently opened at least 7 accts and created several lines of credit in your name. Theyve been in th3 news for this type of activity.
The only fraud I ever experienced abroad... 20+ countries, 1st, 2nd and even 3rd world... was about 50 feet from London Bridge at a little bodega that tried to triple charge my debit card. Capital One canceled it immediately but I had to use credit cards the rest of the trip. Now I use Charles Schwab as my US bank and I use mobile wallet whenever possible.
Mobile wallet generates a temporary number for every use. Helps to reduce fraud.
Which bank in Canada have you had the best feedback from with expats? Before I went to Europe I had informed my bank in advance of my travel plans and had a card to use once I was in Europe. But I ran into problems when I wanted access to my money. It was huge headache. Do you have a couple of banks you would recommend?
Fidelity? Philippines?
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Hello Andrew... Thanks for this video topic. I just started my new career role and I recently closed my Bank of America checking+savings and switched to an online banking and app with Qapital member FDIC. I am saving up for my first trip to Malaysia in June 2020... I do have a Capital One Venture crédit card for Travel but I’m thinking of going with a new Capital One Banking for only a svgs acct. 🤔
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Banks that are military friendly understand their clients being international. USAA, First Command, Pentagon Federal, Navy Federal, etc.
sam jordan
Really !
Capital One 360, a web only/online bank, has been great to me. Personally I cannot speak enough praise to their staff. The level of service I have gotten from them whether domestic or traveling aboard rivals that of USAA, Navy Federal and AMEX. I will never ever bank again with Bank of America (or rather Bank of unAmerica) or Well Fargo.
Usaa I not that great. I'm here because of all the problems I had with them. Just using the atm was fine tho but making transfers were not. Will not be using them anymore.
@@TheWallReports I was thinking of opening an account with them. can you tell me if they have foreign transaction fees for debit card or credit card purchases, if they refund ATM charges, and if they give you a fair exchange rate when in a foreign country for your US dollar on purchases you make in that country's currency?
@@KP99 No, yes and yes. At the time that I banked with them and as I understand it still applies there are no foreign transaction fees, ATM charges were reimbursed in full up to $15/week, and foreign exchange rates were quite fair and reasonable.
Had problems with Chase also when I was in Russia. Even calling and notifying them I was traveling didn’t help. Each time I tried using my card, it would be frozen. I finally had to get online and transfer money to another bank. Thankfully I had that option.
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Hi Andrew, thanks for the amazing content. I'm with Capital One and they force the SMS text two step verification and do not allow email to be sent the code. So basically I'm frozen off my account as well. Not a good country to do banking, and not a good experience either. Honestly you are treated much better from some other overseas banks.
as I was informed by Schwab customer support, if the account holder resides out of USA more than 1/2 of year, the account MUST be converted from US type into International one, where the only brokerage account is available and no chechking account
I wonder if to comply this rule and to disclose frankly the place of your residence, did anyone still encountered with the troubles of freezing/closing of brokerage account?
I opened an investment account a few months, but was told I had to close it due to FATCA, a banking law enacted in 2010.
HSBC??? 🤣🤣🤣
HSBC is also very sensitive about overseas activities.
@@jqueryrocks But they say quite the opposite on their US website.
Chase froze my accounts couple of months ago with no explanation after ten years and having multiple accounts with them only because its risk assessment dept. says so. I travel regularly overseas and uses wire transfers and log on to my Chase online overseas. I am more than pissed, especially when I have outstanding automatic payments in the works while I am away. Chase Bank sucks!
Schwab is good not only for the ATM reimbursement, but also their FX rates are about 1% only. I think the problem you had with them is a problem with all US banks and especially credit cards. If you tell them you no longer live in the US they will close your account. Don't rely on any one bank or brokerage. Have at least, two debit cards, two credit cards, and some cash when you travel. My number one credit card is the Fidelity 2% cash back on everything and it goes right into your brokerage account. No expiration on points or having to request your rewards type nonsense of other cards and no yearly fee. Also, their FX rates are about 1%.
@Dennis Durkop As long as you have a US mailing address, I don't think you should tell them you are living overseas. If you are living out of the US permanently they will figure it out eventually if you are using your debit card and logging in only from outside the US. If you have a few different accounts with different companies, you can use each of them for a few months each per year. Don't get stuck relying on any one bank/brokerage/credit card. Always have a backup.
What is your opinion about BBVA?
@@ToGoIsToKnow as I was informed by Schwab customer support, if the account holder resides out of USA more than 1/2 of year, the account MUST be converted from US type into International one, where the only brokerage account is available and no chechking account
I wonder if to comply this rule and to disclose frankly the place of your residence, did anyone still encountered with the troubles of freezing/closing of brokerage account?
The best Account for overseas is Charles Swab investors checking. The atm card you can use in any atm; if there is a fee Swab will reimburse all fees monthly. Typically Visa ATM exchange is very close to the best.
Schwab just told me to close my account pursuant to FATCA 2010 because I cannot prove I'm on US soil.
this dilusion about schwab gets replicated continuously. Truth: Schwab bank is totally expat unfriendly whereas Schwab brokerage is good!
My small town personal bank has been great when I go to Dom. Rep for 3 to 5 mos at a time
So what bank is best ?
Good question, no suggestions of mid sized banks given.
Bank of China, available in most major US cities, global presence, 2nd largest bank in the world.
For keeping a foothold in the U.S. banking environment and Transacting from all of South East Asia, Oceania, and the EU - I recommend CTBC Bank (Formerly China Trust Bank) out of Taipei, Taiwan. Subsidy locations in the Philippines, the United States, Canada, Indonesia, and bank officer presence in Singapore, Hong Kong, India, Japan, Vietnam, London, Bangkok, Hanoi, Beijing, Manila, and Los Angeles (their US based subsidy bank is a FDIC US bank). They don't hire and fire willy-nilly. I still have the same Account exec that created my account 22 years ago.
Side note: With respect to VPN - Major VPN providers are easily identifiable by banks and other financial institutions. Mainly because the IP blocks from these VPN providers are known, and financial institutions are sensitive to logins from multiple IP and MAC addresses. *Very sensitive.* The far superior method is to get a low cost Virtual Private Sever (VPS) from a (preferably smaller) US hosting provider with a static IP. Use 'Remote Desktop Protocol' (RDP) - make SURE to use Two Factor Authentication for RDP sessions - to remotely control this U.S. based virtual PC. This allows the banks network security systems to detect a consistent inbound domestic IP/MAC address, like a normal customer that logs in every day from their home PC.
@@jqueryrocks Who are the First, Third, and Fourth?
Citi bank and chase seem the only banks ive found that allow wires domestic or internstional without being at a physical bank. So online transfers. Ive opened 3 foreign bank accounts now. But without a international bank i cant have a internstional life or business.
If you can't name your bank then don't talk about it... it would be nice if you would name other banks that we can maybe look into and talk about those
I have USAA for my bank, which has been incredible but I'm not sure how they are with being a Global Citizen. I travel often and I do tell them and I've not had trouble so far.
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a great solution to avoid logging in Chase from abroad is to use TRANSFERWISE to send money... its super easy, super cheap, and you don't need to log in your chase account to do the wire
The tellers in the us knew my voice I could call them if I needed something. The relationship with your bank is inportant
Andrew I have a question. What have you found to be the best way to send money from a U.S bank to say European banks? It does not make sense to pay high fees to use Swift codes which are hardly supported in the U.S. banking system. Primarily paying on investment property, these high fees dig into profits defeating the core purpose. The recipients will not use Bitcoin.
Good question. As I would love to know about in Portugal??? Any bank suggestions??
CapitalOne used to be one of the best for travelers. Unfortunately, in the last 2 years they've gone downhill. From what I can tell, OTP requirements have practically killed offshore banking for expats. My CapitalOne cards are basically useless other than at ATMs and occasionally I can make purchases in shops if I use the PIN.
Sadly I think the days of traveling around the world on a shoe string are over. Say hello, to the post-9/11, post-corona security and safety obsessed society where everything is monitored and controlled.
This video is garbage this man did not name not one International Bank that the viewers can look up and or use
Um duh... the title is best US bank for travel
The video does point out a common problem we face with all banks. I see some solution saying that, 1)dont tell them u live overseas 2)keep many ACs as possible 3)Use 1 account for a few mounths, dont use 1 bank all around the year. I think the comments help. THIS IS A BIG PROBLEM WE FACE.
Don't forget the apps they install on your phone. The app is always the last step after you got the account but is equally important. I was overseas and the app stopped working because I put another sim in it. This auto blocked my internet banking as well. I phoned the bank to remove the lock and they said only way is to come into a branch. So the app really sucked. Also if you are a nomad what sim do you use for international banking. It's not like you can do a sim swap in a foreign country.
atro get another phone
The solution is don't use the app. Banking worked fine 10 years ago and there were no problems. Along came banking apps and OTPs and suddenly a simple transaction to buy a flight home is like pulling teeth. Unfortunately, 2020 was the year they started making apps mandatory. It's a joke.
I've heard stories about Thai police catching foreigners in the wrong place at the wrong time--they take your phone, open the banking app, see how much you have, and then take you down to the ATM to withdraw a hefty bribe.
Great topic for a video here and just a recommendation video for the future. You should do a topic video for DAPTs. A popular technique of domestic asset protection trusts (DAPTs) and “trust decanting.” DAPTs allow people to put assets in a U.S. trust for their own benefit and then protect those assets from future creditors. Traditional trust law prevented someone from shielding assets in a trust, if they continued to control those assets and used them for their own benefit. Decanting, for its part, is a maneuver used to change the terms of a supposedly irrevocable trust by removing the trust’s assets and transferring them into a new trust, typically in a state with laws that provide for maximum asset protection and opacity and no state taxes.
This is interesting news, thank you, Viking Traveler.
My regions account online banking was frozen overseas and I pay 20 dollar atm fees also if you misplace a debit card it can be extremely problematic
My American bank does not allow me to do wire transfers while overseas. I had to have my friend from Switzerland use his Online banking to wire money to our suppliers abroad. American banks are the worst for international business and living. I also have a Montenegro and bank of Georgia account, inspired by your book.
I've been living overseas full-time for almost 4 years now. During that time I have never had a problem continuing my banking relationship with Schwab. Now, that being said, I have heard 2nd and 3rd hand of Schwab closing some expat accounts. My opinion is that these were likely newer customers with smaller balances that opened their accounts solely to take advantage of Schwab's free services, i.e., free ATM withdrawals, free wire transfers, etc. Schwab is a a publicly traded, for profit company. They are not going to retain customers who do not generate sufficient revenue to cover the cost of the "free" services, nor should they be expected to.
I opened an account with Schwab while abroad, but had to close the investment account due to FATCA 2010. They WANT your money, but that law prevents people from doing what they want. US = land of the free?
What is the "sufficient revenue" generated by you? Do u provide that "sufficient revenue" by having that account ? How much is that? Does Schwab offer free services volunteerly to their customers and clearly state the expected "sufficient revenue"? All banks keep money for customers because they need money in order to lend to others. Customers take risk while depositing money into banks.
@@dannychak881 - I've had accounts at Schwab for close to 30 years. The balances in those accounts have grown considerably. Before commission free trading came to be I generated good revenue for them. I don't how they make money off of me now except for paying next to nothing in interest on my idle cash.
My point was you can't expect them to provide lots of free services just because you open a bank account with them and throw $10K in it.
@@troymills9437 Lack of LOGIC !
"I generated good revenue for [Charles]".
"I don't how [Charles] make money off of me."
I assume you work for Charles now.
Thank you.
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Brother, I am Somali and I live in Somalia, can I open a bank account online???
Hi
I have a small US office where I set up remote login and vpn server as a backup and that works well. You definitely need to have backup credit cards, debit cards, and accounts when traveling for an extended time.
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I’m waiting on a payment right now from Germany sold some land it’s supposed to go to my bank
Capital One 360 bank is BAD buddy!!!
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I actually have a relatively small bank but I have a personal relationship with my banker so all I need to do is let them know my itineraries and generally do not have problems. They've even mailed me a new card to a remote beach in Asia when it got hacked several years ago!
Biggest issue: phone verification when I am on a pay-as-I-go (temporary) SIM card in a developing country. I generally have had this with credit card companies though, and not my bank.
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I lived in Germany for six months and didn’t have any problems with Bank of America. Sold a house over and did some other transfers of money.