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European bank account for non resident


by @theunisk | 3yr  | 5 comments

I hold South African/Portuguese dual citizenship, however I was born and (officially) reside in South Africa. Any recommendations for a nomad friendly european bank account ? Ie, one that does not require residency, proof of address, or have easy ways to get around these.
I will not be using it much for day to day expenses, more as a way to hold euros and be able to transfer between accounts. My US bank account has very high fees.
I am in europe for the next week or two (currently Italy) and hope to be able to get one before I leave.

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@reganha | 3yr

@theunis, you can use Revolut. AFAIK, you donโ€™t need to show proof of address, you just need an EU address to receive your physical card (costs 12โ‚ฌ).

They just recently launched personal IBANโ€™s so it can act as a full account.

Other than that, you can try speaking/chatting with Activobank here in Portugal (they have online chat I think) if they are willing to open an account for a non-resident. They are IMO the best portuguese bank, no fees, free SEPA transfers, everything can be made online (great app and website).

They allow an international phone number for SMS verification. But if you use the mobile APP they skip it, I always use it even when Iโ€™m on the desktop.

Best part, you get your debit card and PIN code right on the spot when you open an account, so if you can get a bill or statement with your name and a portuguese address, youโ€™re good to go. They might ask if you work or for an income statement, tell them youโ€™re not employed and just moved to Portugal, they skip it.

Credit card Iโ€™m not sure but I think they send it to the address, but the limit is so low that it isnโ€™t worth it.

Bonus points, this debit card can be used to charge the Revolut account as long as you have 3D Security enabled (only asks on the first use).

Iโ€™ve successfully charged my Revolut with 15k EUR in a single transaction from the debit card, then wired it via Revolut to my supplier in Hong-Kong. Cost? 0โ‚ฌ

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@dunctk | 3yr

I havenโ€™t used this myself, but Transferwise have launched a โ€˜borderlessโ€™ account that gives you a local account number. Perhaps that could help? https://transferwise.com/borderless

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@mule5 | 3yr

Would the n26 bank work for you? I havenโ€™t looked into it much and I donโ€™t have an account there yet.

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@theunisk | 3yr

Thanks for the reply, I took a look at N26 and it looks great, but Iโ€™m not sure whether they would accept me as I donโ€™t stay in europe or have a physical address (they donโ€™t seem to mention the need for a proof of address anywhere). I do have a portuguese ID and passport though.
Also seems like Portugal is not supported for automatic identification verification, which I guess means that I need to get to Germany to make use of their Post Ident verification. Does anyone have experience with this ? Do you require a proof of address ? I donโ€™t mind heading to Germany, but if I canโ€™t open an account it would be a bit of a waste of time/money right now.

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@tkrunning | 3yr

N26 is quite easy to sign up for as long as you have the right ID documents and some kind of address in one of the countries where they operate (mail forwarding addresses usually work fine).

You can find more details here: https://nomadgate.com/open-n26-account/ (step-by-step guide)

Let me know if you have any questions!

Cheers!

PS! Revolut is really useful as well, so get that too. Just be aware that they give you worse exchange rates on the weekends, and for some currencies their rates are not competitive. But it complements N26 really well.

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Read and participate in 14,011 discussions on Nomad List

Suggested topics

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Issues with not being a tax resident anywhere?


by @lightworker | 7mo 6 months ago | 2 comments

Anyone with knowledge regarding complications of not being a tax resident anywhere in the world? Iโ€™m aware that primary health care, bank account opening and incorperation can be problematic but are there other practical or legal factors I should be aware of?

And what about paying myself salary from a self-owned OECD company? I would like to know if I risk potentieal issues with the tax authorities in the jurisdiction of the company, especially regarding withholding tax.

Appreciate your input!

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What investment options are open to e-resident?


by @64tankman | 7mo 6 months ago | 1 comment

I know from experience that if you have residential status in countries where IG (a broker) serves, you can buy stocks and other assets through this broker. But I wonder what doors to the stock market, asset market or broker can be unlocked with e-residency? Some banks open a terminal for customers to buy assets overseas too, is one of the e-residency friendly bank offering a good portfolio of assets to invest in?

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Anyone know an accountant for Canadian nomads/expats?


by @noam_lightstone | 9mo 8 months ago | 16 comments

Hey guys, this was my first year as a Canadian nomad.

As far as I know of, Canadians donโ€™t pay taxes if they do not live in the country for 6 months.

But Iโ€™d like to talk to an accountant or someone who does Canadian taxes specifically for expats and nomads to get clear on the rules and for help on my return coming up.

Does anyone know someone who specializes in Canada who can help? Iโ€™ve seen plenty of US recommendations but none for us canucks.

Thanks guys!

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Where to move for tax purposes as a non-US citizen?


by @mender | 12mo 11 months ago | 5 comments

I am a New Zealander looking to travel for a couple of years in different countries. For this purpose I would ideally like to shift my company to a lower tax territory where I will live part time, as I am currently taxed at roughly 33% in New Zealand, however itโ€™s closer to 40% when I add in all the hidden taxes.

With a move I wonโ€™t be living in NZ so Iโ€™ll no longer be obliged to pay any tax after 320 days.

I ideally would wish to be a tax resident of the country I incorporate in. What country is easiest to do this through? A large chunk of my business relies on PayPal which requires your bank account to be from the same country your company is registered. Thus I canโ€™t do anything such as BVI or small islands.

Tbh my best bet looks to be Dubai Free Zones at this point and I can do some travel in europe from there.

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What's the best bank account for a global nomad?

 

by @barrybjjoubert | 1yr 1 year ago | 25 comments

Dear all
As a wanna be nomad figuring out a way to get free of the rat race, I was wondering what is the best bank account to have while travelling the globe? I need an account where is easy for me to receive payments from all over the world and it also need to be a bank that I can find almost anywhere in the world. I want to avoid carry cash on me if itโ€™s possible.

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Recommendations for UK/Scotland accountants that understand remote businesses?


by @eduardoyi | 1yr 1 year ago | 1 comment

Looking for recommendations for reliable accountants who understand how remote businesses with off-shore freelancers and clients work. Thanks!

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Is there a US bank for easily creating new business checking accounts remotely?

 

by @tylertringas | 2yr 1 year ago | 23 comments

Every accountant is going to tell you that you really should be keeping separate accounts for all your businesses and even projects that may one day become businesses. But in my experience setting up a new account associated with an actual business entity is a pretty annoying process involving an in-person visit to a bank branch, proof of residence in that branchโ€™s region, etc. Has anybody seen a bank that letโ€™s you easily create a simple business checking account online and more importantly that would let you add additional accounts and transfer funds between them?

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Can anyone recommend a good Swedish bank for European student?


by @raz | 2yr 2 years ago | 1 comment

The ideal bank will have an easy on-boarding as a European student studying and living in Sweden for a year and is merciful when it comes to sending GBP into the account.
Can anybody recommend a good Swedish bank? :raised_hands:

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Iโ€™m a U.S. accountant who works with Americans who live abroad, ask me anything!

 

by @olwagner | 2yr 2 years ago | 100 comments

Hi everyone,

If you have a U.S. tax question or would like some U.S. tax insight on your business/structure, ask away!

I have been preparing tax returns for US citizens abroad since 2012. I can answer any question in US tax with an international flavor. I operate 1040abroad.com and I have maintained a blog at taxsamurai.com

I look forward to answering all your questions. And if you are in Ho Chi Minh City in December, letโ€™s meet !!!

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Whatโ€™s a good European call & SMS forwarding service?


by @adrienbetweets | 2yr 2 years ago | 5 comments

Hi all

What do you guys use for receiving both sms & calls on a European phone number?

Iโ€™d like to have a phone number that does not change for at least 1 or 2 years.

I did my homework & found this thread but itโ€™s only about US services so I donโ€™t think itโ€™s relevant: Whatโ€™s a good US call and SMS forwarding service?
Also, I looked into Google Hangout but it doesnโ€™t support European phone numbers.

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Best European Ski Towns?


by @matthewhallca | 3yr 2 years ago | 9 comments

Looking to spend around 6 weeks somewhere in Europe this winter skiing and working. Donโ€™t need a big tech community but care more about it being affordable and having at least half decent skiing.

So far I have heard good things about Les Deux Alpes, France and Bansko, Bulgaria.

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Where is the best place to open a bank account in Europe?


by @julien | 3yr 2 years ago | 7 comments

Hello the community,

I am thinking about opening a business bank account in another country outside of France.
I live in Paris and I work as a freelancer. The taxes on my salary are very expensive (around 85%). I would like to know if there are better options for bank accounts within Europe.

Thank you in advance for your help.

Regards,

J

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Is anybody a Digital Nomad in the UK and not a resident?


by @creative_nomad_ | 3yr 2 years ago | 6 comments

The situation is that my BF is a UK citizen and I am not. We are traveling around SEA and planning to stop in the UK for 6 months to rekindle funds. Granted, the UK is not the cheapest place to rekindle funds, however, he can work and get a good job there.

I have already done my working visa in the UK so I canโ€™t legally work there again. Iโ€™m a graphic designer and web designer and have decided that I will try and get freelance work to support myself whilst Iโ€™m over there.

My question is more related to tax and visas. I am an Australia citizen so I can get a 3 month tourist visa. Iโ€™m just a little worried about how strict they are over there on visas and questioning finance etc

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Anyone here resident in Portugal with incorporation elsewhere in the EU? Need some advice


in Portugal by @solardive | 3yr 2 years ago | 0 comments

Hi everyone!

Currently looking at ridding myself of the 9-5 and becoming a freelance consultant. Iโ€™m not planning to go full erm, โ€œtax optimisationโ€, as I believe in taxes as a concept, but I would like to pay less of them so I can get my business off the ground with more peace of mind.

Iโ€™ve decided I want to apply for the Portugal NHR (Iโ€™m a EU citizen), but I donโ€™t want to incorporate there. Anyone here has experience with being a Portugal tax resident and running a company elsewhere? If yes, where and why did you choose that country/place? Is it a a lot of hassle?

Thanks!

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Where to pay taxes if self employed non-resident of the UK, travelling Europe?


by @jadi4nd | 3yr 2 years ago | 5 comments

Hi, I know there are a few posts around this topic but none of them quite answer my questions.

I am British and currently a resident in the UK.
Next year I am going to become a non-resident and spend over a year traveling mostly around Europe, moving every few weeks never staying anywhere longer than a month. (My first venture into becoming a digital nomad!)

I am remote, self employed, software developer working mostly for one client based in the UK.

Where am I liable to pay taxes?
From what I have read I will not be liable to pay taxes in UK, can anyone confirm this?
If not the UK then where if I am moving every few weeks?
If possible I want to avoid starting a company as this seems unnecessarily complicated for my work setup.

Thank you in advance for any help :slight_smile:

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Health Insurance for Europeans?


by @patrickheneise | 3yr 2 years ago | 4 comments

Hi there, Iโ€™m currently looking at Allianz Global and IM Global as a health insurance for long-term travel in Asia. Any experiences with those two or are there better options for European residents?

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USD bank account


by @piovella | 3yr 2 years ago | 9 comments

Hey guys,

Iโ€™m in the beginning of my nomadic life. I currently have a UK account in GBP currency but most my clients pay me in USD either via Upwork or Transferwise. I was wondering if you know if there is a better way to deal with the fees?
I was looking at opening a USD account but the fees are ridiculous (I looked at HSBC).
Not sure if this is useful information but at the moment Iโ€™m still working as an independent freelancer. I havenโ€™t set up a company yet as am looking for the best option for that.

Thanks

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Non-EU Spouse experience registering in EU country


by @jess793 | 3yr 2 years ago | 3 comments

Hello! My family and I are planning to move to Europe and live nomadically for some time. I was wondering if anyone had experience registering a NON-EU spouse. I know some countries are faster than others. Spain takes 6 months vs Poland taking 1 month. I would love to hear of anyone who had this experience. Do you know of any country where the process of registering a NON-EU spouse i fast? We donโ€™t want to wait to long in one county waiting for the temporary residency. Thanks!

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Are there cards similar to the APEC Business Travel Card that Europeans are eligible for?


by @dpt | 3yr 3 years ago | 3 comments

I heard from an American friend that he has several cards similar to the APEC Business Travel Card (link to Wikipedia ) that allow him to get priority treatment at immigration line in certain countries.
I was very intrigued and quickly checked up on the card, but it seems to be only available to citizens of APEC-member nations.

I was wondering if anyone here uses such cards, what your experiences with them are (specifically, Iโ€™m interested in cards available for Europeans/Germans).

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How long does a non-resident Canadian Citizen need to stay out of Canada to maintain non-resident status, per year?


in Canada by @balindsieber | 3yr 3 years ago | 1 comment

Hey fellow nomads. I have an interesting situation.

Iโ€™m a Canadian Citizen whoโ€™s been a resident of the United States for the last 12 years (work VISA). I incorporated my LLC in Hong Kong and have been a nomad for about 6 months.

I just spoke to my Accountant and he says that I will only have to pay taxes to HK, because Iโ€™m not a resident of either US or CAN. Thatโ€™s amazing news as both places suck for taxes.

Iโ€™m currently in Colombia but I spent the first 2 months of this year in Canadaโ€”I want to make sure I stay out of Canada long enough to remain a non-resident.

Does anyone know what that amount of time is?

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