How Chinese Can Easily Apply for a U.S. Bank Card A Practical Guide

A Detailed Guide for Chinese Residents to Easily Obtain a U.S. Bank Card

As globalization deepens, cross-border financial needs have become a practical reality for many Chinese citizens. Whether for overseas shopping, paying tuition for studying abroad, investing in U.S. stocks, or engaging in cross-border business, having a U.S. bank card can bring great convenience. Although U.S.-China financial regulations have become stricter in recent years, the development of fintech and improved cross-border services have significantly lowered the barriers for Chinese residents to apply for U.S. bank cards. This article provides a comprehensive guide based on recent news and practical experience for readers who are interested in opening a U.S. bank account.

1. Why You Need a U.S. Bank Card

In recent years, more and more Chinese users have started paying attention to U.S. bank cards, driven by the following key needs

1. Easier Cross-Border Payments

Many overseas platforms such as Amazon, Netflix, Spotify, and Google Play only support U.S. bank card bindings. Domestic credit cards often fail during payment attempts.

2. Investing in U.S. Stocks or Cryptocurrencies

Some overseas investment platforms like Robinhood and Binance require a U.S. bank card for deposits and withdrawals.

3. Studying Abroad and Daily Expenses

For families with children studying in the U.S., direct transfers via a U.S. bank card can help avoid currency conversion fees and transaction charges.

4. Cross-Border E-commerce Receiving Payments

Platforms such as Shopify and PayPal offer better support for U.S. bank accounts, helping merchants improve fund turnover efficiency.

2. Available Methods to Obtain a U.S. Bank Card

Currently, there are several ways for Chinese residents to obtain a U.S. bank card, each suitable for different user profiles with varying levels of difficulty and cost.

2.1 Apply Through International Banks or Partner Platforms

In recent years, some international banks and fintech companies have launched U.S. bank account services for non-residents. For example

Wise formerly TransferWise

In 2025, Wise continues to expand its global banking services. Users can get free U.S., UK, and European local bank accounts for receiving and sending money, with fees much lower than traditional banks.

Revolut

This UK-based digital bank offers U.S. bank accounts and supports USD receipts, ideal for users with frequent cross-border transactions.

Mercury

This U.S. startup bank allows non-residents to open accounts through its partner platforms, especially suitable for startup founders.

These platforms usually only require basic information such as a passport and proof of address, and do not require a U.S. Social Security Number SSN for registration.

2.2 Remote Account Opening Through U.S. Banks

Some U.S. banks allow non-residents to open accounts remotely, including

Chase JPMorgan Chase

Although Chase does not officially encourage non-residents to open accounts, reports show that some users successfully opened accounts by communicating with customer service and providing a reasonable reason, such as study or investment purposes.

Citibank

With branches worldwide, Citibank allows some Chinese users to open U.S. accounts through local branches.

These banks often require an SSN or ITIN Individual Taxpayer Identification Number, though some accept passport information as a temporary alternative.

2.3 Use Third-Party Financial Platforms

In recent years, some third-party financial platforms have also started offering U.S. bank card services, such as

N26 German Digital Bank

Although based in Germany, N26 is licensed by U.S. financial regulators and offers USD accounts to global users.

Bluevine

Mainly for business users, Bluevine provides U.S. business accounts without requiring an SSN, ideal for cross-border e-commerce sellers and freelancers.

These platforms typically allow users to complete identity verification and account setup via mobile apps, with a simple process and quick approval.

3. Step-by-Step Application Guide

Regardless of the method chosen, the general process for applying for a U.S. bank card is as follows

Step 1 Prepare Required Documents

Passport Copy - Must be valid

Proof of Address - Utility bills, bank statements, or credit card statements some platforms accept electronic versions

Personal Information - Full name, date of birth, contact details

Additional Information - Some platforms may ask for income source or account usage purpose

Step 2 Choose the Right Platform or Bank

Select a service based on your needs-whether for investment, frequent transfers, or physical card requirements. Prioritize platforms with low fees, user-friendly interfaces, and Chinese language support.

Step 3 Complete Identity Verification

Most platforms use video verification or document uploads to fulfill KYC Know Your Customer requirements. Some, like Wise and Revolut, also support AI facial recognition, completing the process in minutes.

Step 4 Wait for Approval and Account Activation

Approval usually takes 1 to 5 business days. Once approved, users receive a U.S. bank account number Routing Number and Account Number. Some platforms may also mail a physical card.

Step 5 Link and Use the Account

After activation, users can link the account to PayPal, Apple Pay, Google Pay, or investment platforms for cross-border payments, transfers, and receiving funds.

4. Important Notes and FAQs

4.1 Is a U.S. Address Required?

Most platforms do not require a U.S. address, but some banks may need it for mailing cards or statements. Consider using a stable international address or a virtual address service.

4.2 Do I Need to Pay Taxes or File a U.S. Tax Return?

If the account is used only for payments or receiving funds without U.S. tax residency, no tax filing is typically required. However, if used for investments like U.S. stocks or crypto, tax reporting may be necessary. Consult a professional tax advisor for clarity.

4.3 Can the Account Be Frozen or Closed?

Legitimate platform accounts are generally safe, but users must follow platform rules and avoid suspicious transactions. Regular logins help maintain account activity.

4.4 Fees and Charges

Many digital banks offer free basic accounts, but some premium features like physical cards or fast transfers may incur fees. Always review the fee schedule before opening an account.

5. Conclusion

As financial integration between China and the U.S. deepens, more Chinese users are exploring ways to obtain U.S. bank cards to meet growing cross-border financial needs. While some barriers still exist, choosing the right platform, preparing the necessary documents, and understanding the rules can make the process smooth and straightforward. With more fintech companies entering this space, cross-border financial services will only become more convenient and efficient in the future.