Your own US account
A personal account at a major US bank, in dollars and in your name. Outside the CRS exchange.
Every year, over 100 countries report foreigners' accounts to their home tax authorities under the Common Reporting Standard. The US never signed the CRS. We set up your own US account, outside the CRS exchange, and build your US credit along the way.
No US residency. No Social Security Number. No US company.
Credit Builder Personal · ITIN Express included · US bank account · US residential address · personal support
Outside CRS reporting
The Common Reporting Standard is the OECD's reporting system. Once a year, banks in over 100 countries and territories report foreigners' accounts to their home tax authorities: name, tax ID, balance and income.
The US never signed the CRS. It relies on its own laws and bilateral agreements and sees no need to join. That puts an account at a US bank outside the CRS exchange.
And you get what no other non-participant offers: the world's largest economy, the dollar and a legal system that protects property, including property owned by foreigners.
Important: you declare all income from your US account on your tax return in the country where you are tax resident. So there is no tax advantage.
Which other countries besides the US are missing from the CRS? Find out in our article Which countries don't take part in the CRS?
What you get
A personal account at a major US bank, in dollars and in your name. Outside the CRS exchange.
Your US credit history starts with the account and your first card. In America, it decides whether you get the apartment, the car and the phone contract.
As your US credit score grows, cards with lounge access, travel insurance and points for business class come within reach. In our experience after 12 to 24 months, with no guarantee.
A second financial identity outside the EU, set up before you need it. If you move to the US later, you won't be starting from zero.
How it works
You order online. Shortly after, your personal point of contact gets in touch for your first session.
We apply right away with ITIN Express. For applications from abroad, the IRS quotes nine to eleven weeks.
A real US residential address, not a PO box, with its own phone line and a utility bill.
You travel to the US once, for your appointment at a major US bank. There you open your account and apply for your first card. Expect questions about where you live and what the account is for.
Pay on time, keep utilization low. After around six months, you can have your first FICO score.
Credit Builder Personal
Credit Builder Personal: $4,900 for the first year.
ITIN Express included · US bank account · US residential address with phone line, 12 months · Support getting your first credit card · US tax return · 3 personal sessions and monthly Credit Call · 12 months of New Horizons Club
From the second year: residential address with phone line $1,200 per six months, ITIN and US tax return $400 per year.
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