Before you pack your bags to embark on your digital nomad journey, making sure you have everything you need and where to bank while on the road is important.
Below, you can learn about the best bank accounts for digital nomads & other U.S. citizens living overseas.
What Digital Nomads Want In A Bank Account
The majority of people do not leave the U.S. all that often so the majority of banks are not built to cater those who travel quite often. Digital nomads and other U.S. citizens living abroad spend money in a variety of different currencies and earning an income from possibly many countries all over the world.
Digital nomads require a unique banking solution. Below we list a variety of factors to take into account when banking:
- No outrageous fees.
- Easy access to our money.
- Their customer support team is readily available.
HSBC Premier Checking & HSBC Advance Checking
HSBC Premier Checking:
- $0 out-of-network ATM fee
- 0% foreign transaction fee
- Free global transfers
- Premier customer support 24/7
- Support at physical branches
HSBC Advance Checking:
- Surcharge-free HSBC ATMs
- 4 non-HSBC ATM rebates per month
- Free global transfers
- 24/7 customer support via live chat
- Support at physical branches
HSBC Premier Checking Account Up To $600 Bonus (Available Nationwide)
- What you’ll get: Up to $600
- Where it’s available: Nationwide Online
- How to earn it:
- Get up to $600 with a 3% Cash Bonus Checking Offer when you open a new HSBC Premier checking account
- Open your new HSBC Premier checking account online by June 30, 2021
- Set up qualifying direct deposits up to $100 per month, during the first 6 calendar months after account opening
- You will automatically receive the 3% Cash Bonus in your new HSBC Premier checking account approximately eight weeks after completing that month’s qualifying activities
- When it expires: 06/31/2021
(Expires June 30, 2021)
HSBC Premier Checking Account Up To $450 Bonus (Available Nationwide)
- What you’ll get: Up to $450
- Where it’s available: Nationwide Online
- How to earn it:
- Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account
- Open your new HSBC Premier checking account online by June 30, 2021
- Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening.
- You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities
- When it expires: 06/30/2021
(Expires June 30, 2021)
Charles Schwab High Yield Investor Checking
- No foreign transaction fees
- Fully refundable fees on all foreign ATM withdrawals
- 24/7 online customer support chat
Do note that you need to be in the U.S. while opening an account even if you apply online.
Charles Schwab High Yield Investor Checking Account Up To $500 Bonus
You can earn up to a $500 bonus when you open a new High Yield Investor Checking Account and link it to a new brokerage account.
Below are some fantastic features for this account:
- $500 bonus has no listed expiration date
- A new Brokerage account or a new High Yield Investor Checking account linked to a Brokerage account will qualify for the bonus.
- Available online, nationwide
- Account needs to be open for at least 1 year to avoid an early account termination fee
N26
N26 is based in Berlin, they provide a mobile banking solution that offers free accounts to United States residents. N26 makes spending, saving and managing money super simple. They provide the following features:
- Mastercard debit card so you can pay cashless wherever Mastercard is accepted.
- Unlimited free ATM withdrawals at over 55,000 Allpoint locations within the U.S., Canada, Puerto Rico, Australia, Mexico and the UK.
- Integrated with Wise for easy foreign currency transfers.
- No foreign transaction fees.
- Real-time customer support via the in-app chat
N26 $5 Welcome Bonus
Earn a $5 cash bonus when you open an N26 account and complete the qualifying activity:
- Apply using a referral link
- Enter the referral code in the Promo Code section of the application
- Download the N26 app
- Fund your new N26 account from another bank (no minimum funding)
- Activate your new N26 debit card
- Use your N26 debit card to make to make a qualifying purchase of at least $10
Revolut
Revolut is another popular mobile banking institution from Europe with worldwide usability, savings benefits and budgeting features, all offered with no hidden fees. This is a fantastic account for those traveling here are some of the following benefits:
- Holds, exchanges, sends and receives 28+ currencies
- Supports over 150 currencies at the interbank exchange rate
- Offers free ATM withdrawals up to a certain monthly amount (depending on plan)
- Provides free foreign spending and exchanges up to a certain monthly amount (depending on plan)
- Sends and requests money easily
- Has 24/7 customer support via live chat
Revolut Up To $50 Welcome Bonus
Revolut is giving new customers a cash bonus if you register with a qualified members referral link and complete the following qualifications:
- Must verify your identity
- Deposit funds by connecting your bank account or debit card
- Order a physical Revolut debit card
- Complete three purchase transactions with your new Revolut card
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Author’s Verdict
When traveling abroad making sure you can keep up with your finances is important. You never know when you will need access to your account so hopefully the above information is useful
Hopefully the above information helps you better deal with your finances.
Also be sure to check out our own lists of bank promotions and CD tables!
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Private Client | $3,000 Cash | Review |
| U.S. Bank Business Checking | $900 Cash | Review |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| KeyBank Key Smart Checking® | $300 Cash | Review |
| Truist One Checking | $400 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
| SoFi Checking and Savings Account | $325 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $1,000 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $100 Cash | Review |
| Fifth Third Bank Checking | $400 Cash | Review |
| Axos Basic Business Checking | $400 Cash | Review |
| Axos Business Interest Checking | $400 Cash | Review |
| Axos Bank Business Premium Savings | $375 Cash | Review |
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