USD is the currency that guides most international trades. For freelancers working with American clients, remote employees, and business owners targeting US markets, having access to a USD bank account can simplify your finances and expand your earning potential.

As a non-citizen, opening a traditional USD account through a U.S. bank is generally difficult. It’s even harder for non-residents. Most banks require a Social Security Number (SSN), proof of residency, or even an in-person visit.

Thankfully, there’s a better way. Here, I’ll show you how to open a USD bank account remotely and, more importantly, without US citizenship.

Why you might need a USD account if you’re not a US citizen

If you work with international clients or platforms, chances are you’ve already had to deal with poor exchange rates, high fees, or delays in accessing your money. A USD account eliminates many of these problems. Here’s why it’s a game-changer:

• Get paid like a local: U.S. clients and platforms prefer paying into domestic bank accounts. With a USD account, you can receive payments without delays or extra charges.
• Avoid exchange losses: Hold your earnings in dollars and convert only when rates are favourable.
• Simplify global business: A USD account lets you operate internationally with ease.
• Access better tools: Some digital services, like advertising platforms or online subscriptions, require payment in USD.

Also read: Fastest way to receive USD freelance payments in China

Challenges non-US citizens face with traditional U.S. banks

Despite the benefits, opening a USD account through a traditional bank comes with major roadblocks if you’re not based in the US:

• You often need a U.S. address or SSN
• Some banks require a physical visit to open an account
• Documentation can be extensive, with complex KYC (Know Your Customer) requirements
• Long approval times and slow customer service make the process frustrating

These hurdles make traditional banking inaccessible for freelancers, remote workers, and entrepreneurs based outside the US. But that’s where modern digital platforms come in.

Also read: How to create US and UK bank accounts as a migrant worker

How to open a remote USD account with Grey

Grey offers an easy and secure way to open a USD virtual account without setting foot in the U.S. Here's how to do it in a few simple steps:

1. Sign up for a free Grey account

Visit grey.co or download the Grey app from the App Store or Google Play. You’ll need your email and phone number to create an account.

2. Complete identity verification

To stay compliant with financial regulations, Grey will request a few documents:

• A government-issued ID (e.g. passport or national ID)
• Proof of address (utility bill, bank statement, etc.)
• A selfie for identity confirmation

3. Request your USD account

Once verified, go to the “Accounts” section in the Grey dashboard. You can instantly request a virtual USD account with an account number, routing number, and all necessary details to receive payments.

4. Start using your account

Your account is now ready to receive payments. Share your details with clients, employers, or platforms like Fiverr and Upwork. You can also hold your balance in USD or convert it to your local currency when ready.

Why freelancers, creators, and remote workers love Grey

Grey is built for global professionals who need to get paid quickly, affordably, and securely, no matter where they live. Here's why it works so well:

• No U.S. citizenship required: You don’t need a visa, SSN, or US address to open an account.
• Multi-currency support: In addition to USD, you can get virtual accounts in EUR and GBP, making Grey ideal for global income streams.
• Favourable exchange rates: When you're ready to convert your USD earnings into local currency, Grey offers the best rates available — with no hidden fees.
• Instant withdrawals: Transfer your earnings directly to your local bank account.
• Easy invoicing tools: Freelancers can create branded invoices inside the Grey dashboard and get paid directly into their USD account.
• 100% online and mobile-friendly: Manage everything from your phone or laptop.

Use cases: Who’s this perfect for?

You don’t need to be an international CEO to benefit from a USD account. In fact, most Grey users are regular professionals building income from global sources:

• Freelancers working on Upwork or Fiverr
• Amazon affiliates or e-commerce sellers
• Remote employees for US companies
• YouTubers, streamers, or TikTok creators with US audiences
• Digital nomads or consultants billing clients globally

Also read: How to open US and UK bank accounts in East Africa

Opening a USD account as a non-U.S. citizen used to be complicated — but not anymore. Grey is rewriting the rules of international banking, making it easy for anyone to receive and manage payments in dollars, euros, and pounds, all from the comfort of home.

Create your Grey account today or download the app to enjoy inclusive global banking, designed to carry your dreams across borders.

‍