As a digital nomad or long-time expat, you have likely encountered location-specific services and slow processing times when dealing with your home country's traditional banking system. When looking for the best bank for expats, you will want to keep an eye out for much more nomad-friendly services.
What Makes a Good Online International Bank Account?
The best banks for expats will provide you with the following digital services:
- charges zero international card transaction fees;
- has generous limits for ATM withdrawals abroad;
- comes with a mobile app and virtual card; and
- can be opened remotely from your computer or smartphone.
In this guide, we explore Revolut, Chime®, and six other first-class options. Let's see why these are some of the best international bank accounts for expats in the US, the UK, Europe, Oceania, and around the world.
Explore the best banks for expats in 2023:
- US expats: Chime®charges no foreign transaction fees and access fee-free ATMs across the US, the UK, Mexico, and more¹ | Read the review.
- UK expats: Starling Bank offers a low-cost current and savings account and is the best online bank in the UK | Read the review.
- EU expats: Revolutusers from the EU get a powerful multi-currency account, an IBAN, and a UK sort code | Read the review.
- Oceania expats: Wisegives you account details in 10 countries and pots to hold up to 50 foreign currencies | Read the review.
The 8 Best International Online Bank Accounts
- 01. Revolut — Best overall mobile account for expats scroll down
- 02. Wise — Best multi-currency account scroll down
- 03. N26 — Best fully-licensed neobank scroll down
- 04. Chime — Best fee-free ATM access scroll down
- 05. Starling Bank — Best international UK bank account scroll down
- 06. Monese — Best for instant account opening scroll down
- 07. Payoneer — Best for digital nomad freelancers and entrepreneurs scroll down
- 08. HSBC Premier — Best checking bank account for US expats scroll down
- 09. How to apply for an international bank account online scroll down
- 10. What are the best international banks for expats? scroll down
Revolut: Best All-Round Mobile Account for Expats
UK-based Revolut offers one of the best digital accounts in the world, entirely accessible from a single virtual card or Revolut debit card.
8.6
Monito Score
While the British pound and euro account details are offered to only a select number of nationalities, the multi-currency account allows users of any nationality to hold and exchange money in 30+ currencies, making spending easy worldwide. Paid memberships also include perks like travel insurance and reduced fees and limits across the app.
The Standard Account (which charges no fixed monthly fees) allows you to withdraw up to £200 or €200 per month from ATMs with no fees charged by Revolut, while the Premium Account (£7.99 per month) allows up to £400 or €400, and the Metal Account (£14.99 per month) up to £600 or €600. After these limits, your international ATM withdrawal incurs a charge of 2% of the amount. Remember that fair use limits, weekend surcharges, and third-party ATM fees may apply.
To open an account, you’ll need aname, postal address (this can be c/o) and proof of identification, butyou don’t need a proof of address or a credit check.For more about Revolut, check out our full review or watch our YouTube video review.
Check if Revolut is available in your country:
| Revolut |
Wise: Best Multi-Currency Account and Card
The Wise Multi-Currency Account provides you with your very own bank details in the UK (GBP), the US (USD), Eurozone (EUR), New Zealand (NZD), Australia (AUD), and 5 other countries.That means you can directly debit into any of the 10 supported currencies.
8.9
Monito Score
The account is free to open and need only to pay a small fee to have the card delivered to you. Their incredible technology allows you to convert your home currency into 50+ other currencies on the app at the real mid-market exchange rate. Instead of getting charged hidden weak exchange rates, Wise charges you a transparent, up-front, and industry-low fixed fee per conversion. When you present your card abroad, merchants and ATMs will treat you like a local.
Wise requires proof of addressin the form of a utility bill, bank or credit card statement, tax bill, vehicle registration, driver’s license, or government document.
Learn more about the Wise Multi-Currency Account with our in-depth review or watch our YouTube review.
Check if Wise is available in your country:
| Wise Multi-Currency Account |
N26: Best Fully-Licensed Neobank for EU Expats
N26 offers a complete digital bank account, available in the European Union with deposits insured up to €100,000 by the German Deposit Protection Scheme. You can open the account online from anywhere, but you will need a European postal address.
8.3
Monito Score
You only get EUR local bank account details, so you won't be able to get paid like a local business by clients outside of the Eurozone (if you have US customers, for example).
However, N26 is great for using your balance abroad 🌎:
On the basic plan, you have no monthly limit of 0% FX commission on foreign card transactions and ATM withdrawal fees of 1.70% outside of the EU. N26 is also fully integrated with Wise money transfer, giving you access to some of the lowest international money transfer fees on the market. As of 2022, you can earn up to 1.38% interest on savings per year.
Learn more about Europe's most famous neobank with our N26 Review or watch our YouTube review.
Check if N26 is available in your country:
| N26 |
Chime: Best US Mobile Finance App for Free ATMs
Chime is one of the most widely-used mobile financial apps and debit cards in the United States, available to those with a social security number. While it does not offer a multi-currency account option for travelers, your Chime card charges zero international card transaction fees and provides you with access to fee-free ATMs worldwide¹ (although mostly in Mexico and the Anglosphere).
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Monito Score
You only get USD bank details with Chime, but you can open up to three different account types: checking (the Chime Checking Account), savings (the Chime High Yield Savings Account), and a credit builder (the Secured Chime Credit Builder Visa® Credit Card²). Chime uses Plaid software to integrate your traditional banks (such as BoA or Chase) for seamless ACH transfers.
The Chime (High Yield) Savings Account gives you APY at 2.00%, which is far above the national average³. The credit builder Visa card even helps you build your credit score without having to actually take on any debt⁴. To enjoy these perks while spending abroad at a low cost makes Chime an ideal online finance app and debit card for American digital nomads.
Read more about Chime's benefits with our Chime review.
Check if Chime is available in your country:
| Chime |
Starling Bank: Best International Bank Account for UK Expats
Starling Bankis a fully-authorised bank in the UK that is well known for fee-free banking and excellent customer service. In addition, you get access to an impressively complete range of financial services (including overdrafts, loans, joint accounts, youth cards, pensions, Euro balances, interest, no foreign transaction fees, etc).
9.3
Monito Score
We think Starling Bank offers one of thebest online banks in the UK, which is why we recommend it as a complete replacement for an account at a high-street bank. Starling Bank is licensed and regulated by the Financial Conduct Authority (FCA).
The Monzo vs Starling Bank rivalry, which you can learn more about in our dedicated video, will likely continue for many years. While Monzo is a good choice for international spenders and nomads seeking digital banking, Starling Bank's multi-currency accounts are attractive to UK expats who have a permanent or semi-permanent situation in the Eurozone.
Starling Bank's new fixed-rate savings feature also makes it an attractive choice. As of February 2023, the account pays 3.25% interest on your savings.
Read on about Starling Bank in our full review or watch our YouTube review.
Check if Starling Bank is available in your country:
| Starling Bank |
Monese: Best UK Account Not Requiring Proof of UK Address
Want a UK account in British Pounds or a European account in Euros but have no permanent address? Monese makes it easy.
8.0
Monito Score
Any resident in the European Economic Area (EEA) can open a UK account, a euro account, or both. Each account gets you an IBAN number and a free contactless debit card, plus there isno proof of address and no credit check. You’ll just need a postal address, email, and valid ID to send the physical card.
Thesimple planis zero per month and gets you a debit card, and £1.50 cash withdrawals. Theclassic planhas a £5.95 monthly fee and comes with a free debit card and a £500 limit of free cash withdrawals per month. Then there’s thepremium plan at £14.95 per month — it offers a £1,500 limit of free cash withdrawals and a free debit card. Only the classic and premium plans offer no foreign transaction fees.
For more detailsabout Monese, checkout ourour dedicated review or watch our YouTube review.
Check if Monese is available in your country:
| Monese |
Payoneer: Best Business Bank Account for Digital Nomads
Payoneer is a world-class digital payments system that offers an attractive business account option for SMEs and self-employed professionals relying on frequent cross-border payments and receipts. It is free to sign up and is available for dozens of nationalities around the world. Accessing local bank accounts in nine countries (including USD, GBP, & EUR) means you will be able to avoid costly international wires by withdrawing your revenue in local currency.
Your Payoneer account comes with card pay-out processing functionality, a debit Mastercard debit card, and inexpensive international transfers. Getting paid by your customers via bank transfer is cheap but Payoneer charges 3% to process card payments (same as charges with Stripe).
You will incur fees when converting foreign revenue into other currencies. If you are an American business that gets paid by EU customers, for example, then you will get charged when you decide to move your EUR revenue from your EU Payoneer account to your US Payoneer account.
Competitors like Wise Business beat Payoneer here in terms of fees, but Payoneer wins in terms of its direct integration into marketplaces like Google Adsense, AirBnb, Rakuten, and Ebay.
Learn more about Payoneer's solutions and fees with our complete review.
HSBC Premier Checking: Best Checking Account for US Expats
Håkan Dahlström (CC BY 2.0, modified) 
HSBC Premier Checking is a US checking account for American citizens that will give you access to world-class international banking services, with no minimum deposit to open.
As with most other providers on this list, you can wave goodbye to foreign transaction fees when using the HSBC Premier Debit World Mastercard® card, and access a network of 55,000 fee-free Allpoint ATMs worldwide. Better yet, pay no HSBC ATM fees globally and get up to five rebates for third-party ATM surcharge fees within the US.
As a Premier account holder, you’ll access HSBC’s international support for moving abroad as an expat. HSBC can help you use your American credit history to apply for a credit card in your new country of residence. You will also be eligible for an HSBC Global Money Account. Available through the Mobile Banking App, Global Money a prepaid multi-currency account that enables you to hold and convert money in eight currencies and make Global Transfers to other eligible HSBC customers worldwide fee-free.
Optional high-yield savings accounts are also available with competitive Annual Percentage Yields (APYs) for USD balances, subject to certain requirements. Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
The biggest factor to consider is that the monthly maintenance fee for HSBC Premier Checking is $50. This can be waived by meeting one of the following criteria:
- maintaining at least $75,000 in total deposits and/or investments,
- Having a minimum of $5,000 in total direct deposits, or
- holding a US residential mortgage loan with an original amount of at least $500,000.
You can share your Premier status with up to four family members. As long as one account maintains one of the above minimum requirements, the other associated accounts will avoid the $50 monthly maintenance fee.
While HSBC’s rates and fees in this guide are accurate as of September 6th, 2023, visit HSBC Premier’s Terms & Conditions and website application for more up to date information. In addition, refer to HSBC Premier for the list of countries where this account is open to US citizens.
Apply For an International Bank Account Online
International bank accounts smoothly connect you to everyday banking when you move to a new country or study abroad. They also help you when you plan to invest outside of your home country.
The first step is to check if you are eligible to open an overseas account, which varies based on your nationality and your destination country. Keep in mind that banks also vary in terms of their geographic coverage:
- Go to the website (or your local branch) of your desired bank;
- Select your destination country;
- Confirm your eligibility based on your nationality, age (18+), employment status, etc;
- Send in your application with the bank's online portal;
- Acknowledge the monthly fees/minimum deposit requirements.
Studying in the United States
If you are a foreign exchange student or a foreign national studying in the United States, then you will have plenty of options to open a US student checking account. If you want to open an account with a traditional big bank, then you will need to provide your passport and student visa in-person at your local branch. Here is a list of common documents that banks require to open accounts for international students:
- Your passport;
- Student visa;
- I-20 form (your Certificate of Eligibility to enter the US);
- I-94 form (your status document once inside the US);
- Proof of enrollment document (acceptance letter);
- Proof of US address (Utility bill, recent government-issued document).
Learn more with our guide on the best bank accounts for international students. We describe digital checking account options like Wise and Majority in detail. They are easy to open online and offer convenient and cheap ways to send money between the United States and your home country.
Never Use PayPal for Online International Banking
As a final word of advice, we strongly urge you to avoid using PayPal when making transactions overseas or sending money internationally.
They charge high foreign transaction fees and purposely trick users into paying dynamic currency conversion fees.
Learn how to avoid PayPal's hidden currency conversion fees with our guide and informative YouTube video.
Summing Up: The Best International Online Accounts
Here are the best banks for digital nomads and expats in 2023:
- Revolut — Best overall digital nomad account
- Wise — Best multi-currency account for digital nomads
- N26 — Best fully-licensed neobank in Europe
- Chime — Best fee-free ATM access for Americans
- Starling Bank — Best international UK bank account
- Monese — Best for instant account opening for digital nomad
- Payoneer — Best business account for digital nomad entrepreneurs
- HSBC Premier — Best US bank for international spending
Best US Accounts That Are International
Here's a list based on eligibility by proof of US residency or citizenship:
Top Accounts for UK Expat Banking
These are digital bank accounts available to those from the United Kingdom:
Best Banks for Expats from the Eurozone
Have a look at the best digital banks for European digital nomads:
Top Accounts for Nomads from Oceania
Here are some digital nomad bank accounts for Australians and New Zealanders:
Why You Can Trust Monito
Our recommendations are built on rock-solid experience.
- We've reviewed 70+ digital finance apps and online banks
- We've made 100's of card transactions
- Our writers have been testing providers since 2013
Compare the Best Neobanks for Digital Nomads and Expats:
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Tinkoff Black Debit Card Monito Score 9.2
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
Russian
- Country availability
- Services
Travel card
- Monthly fee
Moderate
- Card delivery time
Fast
- Best for
Everyday banking
- Bank details
No account details (balance only)
- Supported currencies
Russian ruble +2
- Overdraft Yes
- Annual interest rate
High
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Starling Bank Monito Score 9.1
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English
- Country availability
United Kingdom
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Mid
- Best for
Everyday banking
- Bank details
UK account no. & sort code
- Supported currencies
Pound sterling
- Overdraft Yes
- Annual interest rate
Low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Monzo Monito Score 9.0
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English
- Country availability
United Kingdom
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Everyday banking +1
- Bank details
UK account no. & sort code
- Supported currencies
Pound sterling +2
- Overdraft Yes
- Annual interest rate
High
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Wise Multi-Currency Account Monito Score 8.9
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +21
- Country availability
Austria +37
- Services
Multi-currency account
- Monthly fee
Very low
- Card delivery time
Mid
- Best for
Spending while abroad
- Bank details
Euro IBAN +11
- Supported currencies
US dollar +50
- Overdraft No
- Annual interest rate
Very low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
Chime Monito Score 8.8
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English
- Country availability
United States
- Services
Partial bank account
- Monthly fee
Very low
- Card delivery time
Mid
- Best for
Everyday banking
- Bank details
US account & routing no.
- Supported currencies
US dollar
- Overdraft Yes
- Annual interest rate
Low
- Supports cash deposits Yes
- International transfers No
- Trust & Credibility
Yuh Monito Score 8.6
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
German +3
- Country availability
Switzerland +5
- Services
Partial bank account +1
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Trading stocks or cryptos
- Bank details
Swiss IBAN
- Supported currencies
Swiss franc +12
- Overdraft No
- Annual interest rate
Low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
Revolut Monito Score 8.6
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +20
- Country availability
Austria +35
- Services
Partial bank account
- Monthly fee
Very low
- Card delivery time
Mid
- Best for
Spending online +1
- Bank details
UK account no. & sort code +1
- Supported currencies
United Arab Emirates dirham +26
- Overdraft Yes
- Annual interest rate
Very low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
Conotoxia Multi-Currency Card Monito Score 8.6
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
Polish +1
- Country availability
Austria +28
- Services
Multi-currency account +1
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Spending while abroad
- Bank details
Euro IBAN
- Supported currencies
Euro +19
- Overdraft No
- Annual interest rate
Very low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
comdirect Monito Score 8.4
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English
- Country availability
Germany
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Mid
- Best for
Everyday banking
- Bank details
Euro IBAN
- Supported currencies
Euro
- Overdraft Yes
- Annual interest rate
Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Vivid Money Monito Score 8.3
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +4
- Country availability
Austria +26
- Services
Travel card +2
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Spending while abroad +1
- Bank details
Euro IBAN
- Supported currencies
Albanian lek +40
- Overdraft No
- Annual interest rate
Very low
- Supports cash deposits No
- International transfers No
- Trust & Credibility
Koho Monito Score 8.3
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +1
- Country availability
Canada
- Services
Partial bank account
- Monthly fee
No monthly costs
- Card delivery time
Mid
- Best for
Everyday banking +2
- Bank details
Canadian account +2
- Supported currencies
Canadian dollar
- Overdraft Yes
- Annual interest rate
Moderate
- Supports cash deposits No
- International transfers No
- neobank.metadata.label.new_value
neobank.metadata.enum.new_value.value 1
- Trust & Credibility
Commerzbank Girokonto Monito Score 8.3
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
German +1
- Country availability
Germany
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Everyday banking
- Bank details
Euro IBAN
- Supported currencies
Euro
- Overdraft Yes
- Annual interest rate
Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Billetera multimoneda Global66 Monito Score 8.3
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
Portuguese +1
- Country availability
United States +2
- Services
Multi-currency account +2
- Monthly fee
Very high
- Card delivery time
Mid
- Best for
Withdrawing or depositing cash
- Bank details
US account & routing no.
- Supported currencies
afghani
- Overdraft Yes
- Annual interest rate
Very high
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Tomorrow Monito Score 8.2
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
German +1
- Country availability
Germany +17
- Services
Partial bank account
- Monthly fee
Moderate
- Card delivery time
Mid
- Best for
Spending online
- Bank details
Euro IBAN
- Supported currencies
Euro
- Overdraft No
- Annual interest rate
Very low
- Supports cash deposits No
- International transfers No
- Trust & Credibility
Tangerine Chequing Account Monito Score 8.2
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +1
- Country availability
Canada
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Slow
- Best for
Everyday banking
- Bank details
Canadian account +2
- Supported currencies
Canadian dollar
- Overdraft Yes
- Annual interest rate
Low
- Supports cash deposits Yes
- International transfers No
- Trust & Credibility
Majority Monito Score 8.2
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +1
- Country availability
United States
- Services
Partial bank account
- Monthly fee
Moderate
- Card delivery time
Fast
- Best for
Easy registration
- Bank details
US account & routing no.
- Supported currencies
US dollar
- Overdraft Yes
- Annual interest rate
Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Boursorama Banque Monito Score 8.1
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
Portuguese +1
- Country availability
United States +2
- Services
Multi-currency account +2
- Monthly fee
Very high
- Card delivery time
Mid
- Best for
Withdrawing or depositing cash
- Bank details
US account & routing no.
- Supported currencies
afghani
- Overdraft Yes
- Annual interest rate
Very high
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
neon Monito Score 8.0
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
German +3
- Country availability
Switzerland
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Everyday banking +1
- Bank details
Swiss IBAN
- Supported currencies
Swiss franc
- Overdraft No
- Annual interest rate
Very low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
N26 Monito Score 8.0
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +4
- Country availability
Austria +20
- Services
Full bank account
- Monthly fee
Very low
- Card delivery time
Slow
- Best for
Everyday banking
- Bank details
Euro IBAN
- Supported currencies
Euro
- Overdraft Yes
- Annual interest rate
Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Monese Monito Score 8.0
Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages
English +11
- Country availability
Austria +30
- Services
Partial bank account
- Monthly fee
Very low
- Card delivery time
Fast
- Best for
Easy registration
- Bank details
UK account no. & sort code +2
- Supported currencies
Euro +2
- Overdraft No
- Annual interest rate
Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
Disclaimers
Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Credit Builder card issued by Stride Bank, N.A.
¹ Out-of-network ATM withdrawal andover-the-counter advance fees may apply. See here for details.
² To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
³ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change anytime. The disclosed APY is effective as of September 20, 2023. No minimum balance is required. Must have $0.01 in savings to earn interest.
⁴ On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
⁵ SpotMe® on Credit is an optional, no-interest/no-fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no-fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account monthly. Qualifying members will be allowed to overdraw their Chime Checking Account and/or Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20 but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit Terms and Conditions.
Other Guides on the Best Banks for Nomads, Travelers, and Expats
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November 22, 2023 - by Byron Mühlberg
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June 6, 2023 - by Olivia Willemin
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October 11, 2023 - by Byron Mühlberg
Can I Open a Free Online Bank Account Without an ID?
August 4, 2023 - by Jarrod Suda
Best Online Banks in Germany in 2022
February 21, 2023 - by Byron Mühlberg
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October 17, 2022 - by Jarrod Suda
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December 2, 2022 - by Byron Mühlberg
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February 21, 2023 - by Byron Mühlberg
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February 14, 2023 - by Jarrod Suda
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May 30, 2023 - by Byron Mühlberg
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You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.
Monito is trusted by 15+ million users across the globe.
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