How to Apply for a U.S. Bank Card in Mainland China? A Full Guide with Steps Tips

How to Apply for a U.S. Bank Card from Mainland China Steps and Tips Revealed

As globalization accelerates, an increasing number of residents in mainland China find themselves needing a U.S. bank account for work, study, investment, or cross-border consumption. Whether it's receiving overseas income, making online purchases, or managing foreign assets, owning a U.S. bank card has become increasingly important. However, for individuals in mainland China, applying for a U.S. bank card often seems like an unfamiliar and challenging process. This article will walk you through the common methods, key considerations, and practical tips for applying for a U.S. bank card while residing in China.

Why Do Mainland Residents Need a U.S. Bank Card?

In recent years, with the rapid development of cross-border e-commerce, remote work, and overseas investment, more and more mainland residents have financial dealings with the United States. According to the 2025 China Cross-Border Payment Development Report, the scale of transactions conducted by mainland Chinese residents through overseas bank accounts increased by over 30% year-on-year in 2025, with U.S. bank accounts accounting for the largest share.

Additionally, certain U.S. banks offer no-annual-fee credit cards, high-yield savings accounts, and convenient online banking services that attract many users. For example, major banks such as Chase, Bank of America, and Wells Fargo offer robust digital banking platforms that allow users to manage their accounts remotely.

Main Methods to Apply for a U.S. Bank Card from Mainland China

1. Apply through U.S. Banks’ Branches or Partner Institutions in China

Some U.S. banks have branches or cooperation programs with local banks in China. For instance, Citibank has a physical presence in mainland China and offers certain international banking services. You can visit a Citibank branch to inquire about opening an overseas account.

However, this service is typically available only to high-net-worth clients and involves a complex process, requiring detailed asset proof and purpose documentation.

2. Apply Online via U.S. Bank or Fintech Platforms

In recent years, several digital banks and fintech companies have introduced remote account opening services. Examples include Chime and Revolut headquartered in the UK but offering U.S. dollar accounts. These platforms allow users to register online with an international address.

While these are not traditional U.S. bank accounts, they offer similar functions, such as USD deposits and withdrawals, debit cards, and online transfers. Revolut, for instance, supports the management and conversion of over 100 currencies and does not require a U.S. address for registration. Users only need to provide a valid passport and residential address to complete the sign-up process within minutes. This method is user-friendly and suitable for general users.

3. Use Third-Party Service Providers

There are professional cross-border financial service providers that assist in opening U.S. bank accounts. These firms often partner with U.S. banks and help users complete identity verification, document submission, and address validation.

For example, in 2025, a cross-border financial platform called GlobalFintech launched a remote U.S. bank account opening service. Users simply need to submit a passport, proof of residence, and a source-of-funds statement to receive their U.S. bank account details and debit card within seven business days. While such services may charge a fee, they offer a convenient option for users without overseas resources.

4. Open an Account in Person While in the U.S.

For those planning to travel to the U.S., the most straightforward method is to open a bank account in person. This typically requires

A valid visa

A U.S. residential address e.g., rental agreement or hotel booking

A Social Security Number SSN or Individual Taxpayer Identification Number ITIN

This method is especially suitable for students or business professionals already in the U.S.

Common Issues and Tips During the Application Process

1. What if You Don’t Have a U.S. Address?

Most U.S. banks require a local address to mail the card or correspondence. Possible solutions include

Using virtual U.S. address services like US Global Link or Earth Class Mail

Using a relative or friend’s U.S. address

Using address services provided by third-party account-opening platforms

2. How to Pass Identity Verification?

U.S. banks usually require KYC Know Your Customer procedures, including identity and address verification. Recommended documents include

A scanned copy of a valid passport

Recent utility bills or bank statements for address proof

Proof of income sources, such as pay slips or investment statements

3. Is an SSN or ITIN Required?

Some banks require an SSN, but not all. For example, Chase and Wells Fargo may accept an ITIN Individual Taxpayer Identification Number or allow non-residents to declare their status. Digital banks like Revolut and Chime typically do not require an SSN.

4. How to Manage the Account After Opening

Once your account is successfully opened, it’s recommended to use the bank’s official app or online banking platform for management. For example, Bank of America’s Mobile Banking app supports remote check deposit, money transfers, and bill payments-ideal for cross-border users.

Important Notes and Risk Warnings

While having a U.S. bank account offers many conveniences, there are also risks and limitations to be aware of

Exchange Rates and Fees Cross-border transfers and currency conversion may incur additional costs. Consider platforms offering multi-currency accounts.

Tax Reporting Holding a U.S. bank account may trigger tax reporting obligations, especially for those with U.S.-sourced income.

Account Security Enable two-factor authentication, regularly update passwords, and monitor for suspicious activity.

Conclusion

With the growing demand for cross-border financial services, obtaining a U.S. bank card from mainland China is no longer out of reach. By choosing the right account-opening method, preparing necessary documents, and leveraging professional services, more and more users can successfully open a U.S. bank account and manage global funds more efficiently.

Whether you're an e-commerce seller, a freelancer, or an investor with overseas asset allocation needs, mastering these application steps and tips will open a window to smoother international financial operations.