Yes, you can open a US bank account from India without providing the standard requirements that most US banks require, such as a US SSN or ITIN, US address, or US phone number.
Yes, you read that correctly. Opening an account as an Indian citizen and resident in the United States is 100% possible, even from India. In fact, if you know where to apply, you can even establish commercial relationships for foreign companies by opening a business bank account in the US from abroad.
Of course, each bank and its onboarding processes differ, and deposits will vary.
You must choose a bank that is best suited to your specific banking needs and a bank with requirements you can meet.
KEY TAKEAWAYS
- It is 100% possible for residents of India to open a US bank account
- Specific requirements need to be met to open US bank accounts
- Not all banks offer US bank accounts to residents of India
- Residents of India can unlock many benefits from having a US bank account
Don’t forget to download your FREE USA Banking Starter Guide. It’s designed to help non-residents open accounts with top financial institutions in the United States.
This article will be relevant for any foreign applicant looking to open a US bank account from abroad. This includes individuals looking to access better banking, support family in the US, or make international payments including sending money to the UK from the US, or from the US to India, or elsewhere.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- How to Open a US Bank Account From India?
- Why Open an American Bank Account From India?
- What Are the Challenges of Opening US Accounts From India
- What Are the Benefits of Opening an Account Online in the USA From India?
- What Are the Requirements for Opening an Account in the USA From India?
- Can I Open a Non-Resident Account in the USA From India?
- Frequently Asked USA Banking Questions
- Ready to Unlock the Benefits of US Banking?
How to Open a US Bank Account From India?
Opening a bank account in the United States from India requires you to meet specific requirements, submit supporting documents, and overcome the bank’s onboarding process. Additionally, you also need to know which bank, branch, and even banker accept similar client profiles.
Going into the application process blind and not knowing which banks accept you or which banks offer the benefits you’re after leads to a difficult opening process.
Here’s a closer look at the steps residents of India need to follow when applying for a US bank account
Steps for Opening a US Bank Account From India (No SSN or ITIN)
- Select a bank that accepts Indian nationals
- Participate in an opening interview
- Collect the necessary opening documents
- Complete and submit an opening application
- Submit copies of government-issued identification
- Make a qualifying deposit
We discuss these steps in greater detail below. Let’s first explore why citizens and residents of India want to open an American bank account in the first place.
Why Open an American Bank Account From India?
There are many reasons why citizens and residents of India are looking to open bank accounts in the United States from the comfort of their own homes.
This is not only because it’s 100% possible to do but because of the benefits US banking offers residents of India.
Here are nine reasons why citizens and residents of India are interested in opening a US bank account from India.
Reasons for Opening Accounts in the USA From India
- Need to send money to family living in the United States (save on transfer fees)
- Work for a United States-based company
- Planning on making frequent visits to the United States
- You conduct business in the United States
- You have employees or contractors living in the United States
- Wanting to invest in the US stock market
- You have suppliers based in the United States
- You have a large customer base in the United States
- Access US credit cards and travel rewards
If you fall into one of these categories, opening a personal or business bank account in the USA from India is worth considering. US accounts offer unique benefits, however, there are challenges that residents of India need to overcome to successfully open accounts in the United States.
What Are the Challenges of Opening US Accounts From India?
It’s important to understand the challenges of opening US accounts from India before applying to open a bank account.
The challenges you face highly depend on your client profile, your specific banking needs, and how you proceed with the process of opening an account. The bank you choose to open with also impacts your opening experience.
That’s why it’s important to not only choose a bank that accepts your client profile, but one that caters to your specific banking needs and wants.
Here are eight challenges you need to overcome during the account opening process to successfully open an account in the United States from India.
Challenges of Opening Accounts in the USA From India
- Not all financial institutions accept remote opening
- Unable to meet bank-specific requirements remotely
- Difficulties opening without a United States phone number
- Choosing the wrong bank can waste time and money
- Opening an account can be time-consuming (if not prepared)
- Challenges in providing an acceptable United States address
- Application and monthly fees can apply
- Challenges finding financial institutions that don’t require an ITIN or SSN
There are challenges, as you can see, that citizens and residents of India face when opening accounts with US banks.
The biggest challenges many residents of India face are knowing which specific bank and banker to contact, understanding the bank-specific opening quirks, and knowing which requirements you need to meet.
It’s 100% possible to navigate these challenges and successfully open a US bank account from abroad to start unlocking unique benefits you can’t access anywhere else in the world. More on this below.
What Are the Benefits of Opening an Account Online in the USA From India?
Opening accounts in the United States from India is worth navigating the challenges for many applicants. Many citizens and residents of India look to open a bank in the United States because of the opportunities it presents.
Opening a bank account in the United States gives you access to a USD account, US brokerages or investment products, and US credit cards to earn travel rewards.
The benefits one client group unlocks differ from the next client group. It’s important to understand all the potential benefits you can access as a citizen of India when opening a US bank account.
That way, you ensure you’re opening with a US bank that offers the benefits you’re after.
Here are seven benefits residents and citizens of India can unlock when they open a US bank account from India.
Benefits of Opening Accounts in the USA From India
- Deposit insurance of up to USD 250,000
- Ability to invest in US stocks, ETFs, and other products
- Ability to apply for US credit cards (to earn travel rewards)
- Can build a US credit score & history
- Ability to avoid excessive foreign transaction fees
- Grow your money in a stable banking jurisdiction to avoid Rupee (INR) inflation
- Ability to access mortgages & financing
Depending on your client profile and banking needs, you can access most (if not all) of these benefits. Including the top benefit many foreign non-residents around the world are interested in: US credit cards.
US credit cards provide attractive and profitable rewards that you can’t access anywhere else in the world. No other country even comes close. And, non-US residents can access them, even from India.
You need to have the right information… luckily, we can help.
If you’re interested in learning more about US credit cards, we share step-by-step instructions on how to unlock the benefits, including the specific strategies on how to choose the right credit card for your unique client profile in our premium members-only report “US Credit Card Strategies For Foreigners and Non-Residents”.
You can access this report immediately when you join GlobalBanks USA (more info below).
Now that you understand the challenges you need to overcome and the benefits you want to unlock, it’s important you know the specific steps and requirements you need to take to start opening bank accounts in the United States from India.
Let’s now look at what you need to open bank accounts in the United States from India.
What Are the Requirements for Opening an Account in the USA From India?
Opening accounts in the United States as a citizen or resident of India is challenging. It’s very time-consuming and frustrating if you’re not well prepared.
You need to know which bank, branch, and even bankers are best suited to your client profile. You also need to understand each bank’s opening quirks and requirements before applying.
Citizens and residents of India are also required to provide additional documents when opening accounts in the United States from India.
Here is a look at seven of the most common requirements you need to meet.
Requirements Needed for Opening Accounts in the USA From India
- Indian passport
- Valid US visa (if applicable)
- Proof of address in India
- India Tax Identification Number
- Proof of employment & source of wealth
- Bank-specific application
- Make a qualifying deposit (usually $3,000+)
You need to meet the mentioned requirements to successfully open a bank account in the United States. Depending on the bank you choose to apply with, your client profile, and your specific banking needs, these requirements vary.
Before you start applying, you need to understand the bank-specific requirements you need to meet according to your client profile.
Can I Open a Non-Resident Account in the United States From India?
Opening an account in the United States isn’t an easy process for foreign non-residents. Especially citizens and residents from India.
That said, it’s still 100% possible.
But, as you know, there are challenges to overcome. From meeting bank-specific requirements to knowing which bank will accept you as a client.
Fortunately, GlobalBanks can help – more specifically, GlobalBanks USA.
GlobalBanks USA is the number one US bank account opening service available anywhere. It helps foreign and non-resident individuals (and their businesses) apply and open bank accounts in the United States.
This includes the direct one-on-one support you need to find, apply, and open accounts with real brick-and-mortar banks that match your client profile. Not to mention, 100% remotely from India.
Additionally, you’ll also receive direct introductions to bankers in the United States who are ready to help you through the opening process.
Plus, when you join GlobalBanks USA, you receive access to our library of premium members-only US Banking Reports, our US Bank Database, and a dedicated account manager to help you navigate your options.
Frequently Asked USA Banking Questions
Below is one of the most common questions we receive from people exploring how to open a US bank account from India. If you have further questions you would like answered, don’t hesitate to get in touch.
Can I Open a Chase Account From India?
A Chase bank account in the United States can be opened from India for certain business types. Personal bank accounts at Chase, however, require an in-person visit to a branch in the United States. There are other financial institutions in the United States that open accounts for Indian nationals without an in-person meeting. To explore these options, contact GlobalBanks and ask about GlobalBanks USA.
Ready to Unlock the Benefits of US Banking?
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✅ Guaranteed account opening because we will keep working with you until you successfully open the bank account you need.
And yes—GlobalBanks’ International Account Opening Service is purpose-built for foreign and non-resident individuals and companies.
But, spots are limited and we only accept qualified applicants—so if you’re ready to move forward, take 60 seconds to complete your free assessment.
