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How to open US and UK bank accounts in East Africa

Baraka Mafole

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East African residents now have a unique opportunity to connect globally by opening US and UK bank accounts online through Grey. People living in East Africa can now manage their finances and easily connect with the Global market through Grey while enjoying the flexibility and security of international banking right from home.

This guide will walk you through the benefits and steps to access these global banking services.

Essential tips for East African residents

  • Select the right platform: Grey offers a convenient solution for East African residents to access a US or UK bank account without travelling.
  • Stay informed on compliance: Be aware of any US or UK tax obligations and reporting requirements that may apply to foreign account holders.
  • Take advantage of multi-currency support: Grey’s multi-currency features make it easy to manage transactions across regions, which is ideal for handling international payments smoothly.

Related: How to get paid by Amazon in Nigeria, Kenya, and Tanzania with Grey.

Who needs UK and US bank accounts in East Africa?

Here are those who need US and UK Bank Accounts in East Africa

  • Freelancers: Through Grey, freelancers can open a US or UK bank account to save their funds in dollars, euros, pounds and other supported currencies.
  • Digital nomads: For digital nomads living in East Africa, having a foreign bank account through Grey makes it easier to pay for monthly subscriptions, business costs, and personal expenses across borders.
  • Travellers: By opening a US or UK account, tourists visiting East Africa can conveniently pay directly in dollars or pounds and avoid high  exchange rates and extra international transaction fees.

Related: The best digital nomad jobs to earn from anywhere in Kenya.

Benefits of having UK and US bank accounts in East Africa

  • Lower transfer fees: With a foreign bank account, freelancers and digital nomads can receive payments directly in dollars or pounds, bypassing costly conversion rates and having better control over their finances.
  • Flexibility for international transactions: This flexibility is especially crucial for digital nomads and travellers who regularly book flights, accommodations, or subscriptions. It allows them to manage their finances efficiently without local banking restrictions.

Related: How to open a foreign bank account in Tanzania.

How to open a Grey account

Opening a Grey account is straightforward and can be done in minutes.

  • First, visit grey.co on your browser and sign up by creating an account with your email.
  • Then, follow the prompts and ensure you enter your details for a seamless setup.
  • Next, you’ll need to verify your identity. This step is crucial for meeting regulatory requirements, particularly for non-U.S. residents, as Grey specialises in accounts for individuals outside the United States.
  • To complete the verification, upload a valid government-issued ID (e.g., international passport) and proof of address (utility bill or bank statement). Grey uses these documents to verify your identity and comply with regulatory requirements.
  • Finally, Grey reviews your documents within a few minutes to 24 hours. Providing clear and recent documents can expedite approval

Related: The best digital nomad jobs to earn from anywhere in Tanzania.

Once verified, you can log in to your Grey account and gain access to  U.S. and U.K. bank accounts, making it easy for you to handle global transactions from East Africa. Get started today by creating a free Grey account.

Last updated:

September 24, 2026

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11 best countries for digital nomads without a visa requirement

2 min read

More than 60 countries now offer dedicated digital nomad visas, each with its own income threshold, application form, and processing timeline. But a growing number of remote workers skip that process entirely. They land on a tourist visa, find a cafe with decent Wi-Fi, and start working.

Many countries allow visitors to stay for 30 to 90 days without a visa, which is long enough for short-term remote work. However, working remotely for a foreign employer on a tourist visa is a legal grey area in most countries. Destinations like Georgia, Albania, and Serbia are popular because they offer long-stay options and rarely enforce remote-work restrictions.

This guide covers 11 digital nomad visa-free countries where a formal permit is not required. Each entry explains how long you can stay, whether remote work is explicitly permitted or quietly tolerated, what the destination actually costs and feels like, and how to manage money across borders while you are there.

Can you work remotely without a visa?

The honest answer is that most countries have not written rules for this situation, so remote workers exist in a gap between what is technically legal and what is practically enforced. A tourist visa permits leisure, not employment. But "employment" in most immigration law means working for a local employer or earning from a local source. A remote worker paid by a company in London, depositing into a US bank account, and not competing with any local worker, does not fit that definition cleanly.

A handful of countries have addressed this directly. Georgia explicitly permits remote work during its one-year visa-free stay. Albania and Serbia allow long tourist entries and have shown no interest in policing what visitors do on their laptops. At the other end, several Schengen states, including Germany and the Netherlands, technically classify any work activity on a tourist entry as a violation, though enforcement against remote workers typing in cafes is effectively zero.

The countries you can work remotely without a visa are not breaking the law in any dramatic sense. They are operating in a space that immigration systems have not caught up with. If you plan to stay beyond 90 days, consult a local immigration lawyer. And for countries that have formalised remote work permits, see the full guide to digital nomad visa countries or compare the cheapest digital nomad visas worldwide.

Best visa-free countries for digital nomads

These 11 destinations are visa-free countries for remote workers who want to land and start working without an application, proof of income, or a wait. Ordered by maximum visa-free stay, then overall quality of life for someone earning in foreign currency.

1. Georgia

Stay: Up to 1 year, no visa required for 94 nationalities.

Georgia is the closest thing to a free pass in the digital nomad world. One year, no application, no income proof, no questions asked at the border. The government has actively courted remote workers since 2020, and Tbilisi now has a co-working density that rivals Lisbon. A one-bedroom apartment in the centre of Tbilisi rents for $350 to $500 per month. A full meal at a local restaurant costs $3 to $6. The internet averages 40-60 Mbps in the capital, with faster speeds in newer buildings. The catch is winter: Tbilisi gets cold (down to minus 5 Celsius in January), and heating infrastructure in older apartments is unreliable. If you prefer warmth, Batumi on the Black Sea coast is milder but quieter.

2. Albania

Stay: 1 year for US, EU, and several other nationalities. Others can apply for a Unique Stay Visa (annual income threshold of $9,800).

Albania offers the same one-year entry as Georgia, but in a Mediterranean climate. Tirana has a cafe culture built for laptop work, with strong espresso and fast Wi-Fi in most central spots. The Albanian Riviera (Saranda, Ksamil, Himara) has a coastline that draws comparisons to Croatia and Greece at roughly a third of the cost. A comfortable month runs $700 to $1,100. The internet is 30 to 50 Mbps in Tirana, slower on the coast. What most guides skip: Albania uses the lek, and ATM withdrawal fees from foreign cards can be steep. Carrying a multi-currency account that avoids double conversion saves real money here.

3. Mexico

Stay: Up to 180 days on a tourist permit, but duration is at the immigration officer's discretion.

Mexico is the most popular nomad destination in the Americas, and the one most likely to surprise you at the border. Immigration officers have been issuing shorter stays since 2023, sometimes as little as 14 days, without giving a reason. If you receive the full 180 days, it is one of the longest tourist entries in the region. Mexico City has world-class internet (50 to 100 Mbps), a massive nomad community centred around Roma and Condesa, and monthly costs of $1,200 to $1,800. Merida is quieter, cheaper ($900 to $1,300), and brutally hot from April to September. The food alone justifies the trip, but bring documentation of onward travel and sufficient funds to show at immigration.

4. Colombia

Stay: 90 days on arrival, extendable to 180 days at a local Migracion Colombia office.

Medellin has been a top-tier nomad hub for years because the combination of cost, climate, and community is hard to beat. The city sits at 1,500 meters and holds a steady 22 to 28 degrees Celsius year-round. The internet is 30 to 60 Mbps, co-working spaces are abundant in El Poblado and Laureles, and a comfortable month costs $900 to $1,500. Colombia also offers a formal digital nomad visa, but the 90-day tourist entry with a 90-day extension is simpler for short stays. One thing to know: Colombia charges an exit tax (approximately $38) that is usually included in your flight fare but occasionally shows up as a surprise at the airport.

5. Montenegro

Stay: 90 days for most nationalities. Digital nomad visa available (can apply in-country).

Montenegro is a coastal country in the Balkans on a budget. The Bay of Kotor looks like the Norwegian fjords crossed with the Amalfi Coast, and a month there costs $1,000 to $1,600, roughly half what you would pay in Croatia or southern Italy. Internet speeds run 20 to 50 Mbps, adequate but not exceptional. The country is small enough to drive end to end in four hours, so weekend trips to the Durmitor mountains or across the border into Dubrovnik are easy. The biggest variable is seasonality: summer is busy and prices spike; winter is quiet and some coastal businesses close entirely. If you apply for the digital nomad visa while in-country, you can extend well beyond 90 days.

6. Serbia

Stay: 90 days for most nationalities. Not in the Schengen Zone.

Serbia is the strategic pick for nomads working through Europe. Because it sits outside the Schengen Zone, your 90 days in Serbia do not count toward the Schengen 90/180 limit. That means you can spend three months in Serbia, then three months in Schengen countries, and repeat the cycle without visa complications. Belgrade has fast internet (50 to 100 Mbps), a nightlife scene that runs until dawn, and monthly costs of $800 to $1,300. The co-working scene is smaller than Lisbon or Tbilisi, but growing. Serbian cuisine is heavy, meat-forward, and very cheap: a full meal with a drink costs $5 to $8 at a neighbourhood restaurant.

7. Malaysia

Stay: 90 days for most nationalities.

Malaysia ranks first in several global digital nomad indices for a reason: fast internet (averaging 100 Mbps), modern infrastructure, low costs, and food that rivals any destination in Southeast Asia. Kuala Lumpur is a genuinely cosmopolitan city where $800 to $1,400 per month covers a comfortable life, including a gym membership and regular eating out. Penang is smaller, cheaper, and has what many consider the best street food in the world. Malaysia also offers the DE Rantau digital nomad visa with just a $24,000 annual income requirement, one of the lowest thresholds globally, for those wanting to stay beyond 90 days. English is widely spoken, which removes the language barrier that complicates daily life in much of Southeast Asia.

8. Indonesia

Stay: 30-day visa on arrival, extendable once for an additional 30 days (60 total).

Bali remains the single most recognisable digital nomad destination in the world, and the infrastructure reflects it. Canggu and Ubud have co-working spaces on nearly every block, nomad-friendly cafes that expect you to stay for hours, and a well-established community. Monthly costs run $900 to $1,500. Internet speeds average 25 to 50 Mbps, which is fine for calls and standard work, but users can struggle with large file uploads. The 60-day limit is firm: Indonesian immigration has tightened enforcement, and overstaying triggers fines and potential entry bans. The B211A social visa (available through an agent for roughly $300) can extend your stay to 180 days, but it requires a sponsor.

9. Thailand

Stay: 30 to 60 days visa-free, depending on nationality and entry point.

Chiang Mai is where the modern digital nomad movement arguably began, and the city still delivers: internet speeds of 50 to 100 Mbps, monthly costs ranging from $700 to $1,200, and a density of co-working spaces, gyms, and communities built specifically for remote workers. Bangkok is larger, louder, and marginally more expensive but offers better transport and more variety. Thailand has a Long-Term Resident visa for those earning over $80,000 per year, but the tourist entry is where most nomads start. Immigration has been cracking down on repeated visa runs (leaving and immediately re-entering to reset the clock), so if you plan to stay long-term, the LTR or an education visa is safer than serial border hops.

10. Vietnam

Stay: 90 days on a tourist visa (e-visa). No digital nomad visa exists.

Vietnam is the most affordable destination on this list and one of the most rewarding if you adapt to the pace. Da Nang is the nomad pick: beachfront, reliable internet (30 to 50 Mbps), a growing co-working scene, and monthly costs of $600 to $1,000. Ho Chi Minh City is chaotic, exhilarating, and slightly more expensive. Vietnam has no digital nomad visa and no legal framework for remote work on tourist entry, so you operate entirely in the grey zone. Visa run agencies handle border crossings for $30 to $50, and the process is routine. The risk is that immigration periodically tightens renewal policies without warning, as happened in 2021 when visa extensions stopped for months.

11. Portugal

Stay: 90 days within any 180-day period (Schengen Zone).

Portugal is the most expensive destination on this list, but also the most polished. Lisbon and Porto have fast internet (100+ Mbps), walkable neighbourhoods built for cafe work, and a deeply established nomad and expat community. Monthly costs range from $1,500 to $2,500, driven largely by rent, which has climbed sharply since 2022. The critical detail: your 90 days are shared across all 27 Schengen countries. A week in Barcelona, a long weekend in Amsterdam, and two months in Lisbon all draw from the same 90-day pool. Portugal also offers the D8 digital nomad visa (€3,480 monthly income requirement) for stays beyond 90 days, making it one of the few countries on this list with a clear legal path to upgrade.

Countries where you can stay the longest without a visa

If you are looking for the best countries for nomads with no visa paperwork and the option to stay in one place for as long as possible, this is the shortlist. Georgia and Albania appear in the main list above. The three below did not make the top 11 but are worth knowing about for long-haul stays where extensions are routine and enforcement is relaxed.

Country Maximum Stay Conditions
Georgia

1 year 94 nationalities. No application, no income proof.
Albania

1 year US, EU, and others. Unique Stay Visa available for shorter visa-free nationalities.
Kosovo 90 days, easy to extend Extensions are routine and inexpensive. Very low cost of living ($500-$800/month). Limited but improving internet.
Kyrgyzstan 60 days, easy to extend Extensions processed locally with minimal paperwork. Bishkek is affordable ($400 to $700/month) and increasingly popular with Central Asia-curious nomads.
Paraguay 90 days, low enforcement Overstays are rarely enforced. Asuncion is very affordable but has a thin nomad community and limited co-working infrastructure.

What to check before you go

Entry rules change faster than articles can keep up with. Before committing to a destination, work through each of these.

  1. Entry conditions for your specific passport. Do not assume your nationality gets the same treatment as others. A US passport and a South African passport are subject to very different entry terms in Thailand. Use the IATA Travel Centre or your government's travel advisory for the latest.
  2. Tax residency triggers. Spending more than 183 days in a single country within a calendar year typically makes you a tax resident there, which can mean owing tax on your worldwide income. Some countries count partial days; others count only overnight stays. The threshold matters more than most nomads realise.
  3. Health insurance. Some countries (Thailand, Indonesia) ask for proof at the border. Even where they do not, your home health policy almost certainly excludes long-term overseas stays. Nomad-specific insurance, such as SafetyWing or World Nomads, fills this gap.
  4. Banking and card access. Foreign transaction fees, ATM withdrawal limits, and your bank's fraud detection algorithms all vary by country. A card that works perfectly in Lisbon might get frozen after your first withdrawal in Tbilisi because the bank flags the location as unusual. Test before you rely on it.
  5. Internet speed at your actual accommodation. National averages are misleading. A country with an average of 100 Mbps might have only 5 Mbps in the specific apartment you booked. Ask for a speed test screenshot before signing a lease. For a deeper look at financial planning around international moves, see how to choose tax-friendly destinations.

Managing money as a visa-free digital nomad

The financial friction of country-hopping is more expensive than most nomads expect. Thai ATMs charge 220 baht ($6 to $7) per withdrawal on top of whatever your home bank charges. A merchant in Bali offers to charge your card "in your home currency," and the dynamic conversion markup is 3-5%. Your UK bank freezes your card after a transaction in Belgrade because the fraud algorithm has never seen Serbia before. You pay rent in Georgian lari but get paid in US dollars, and every conversion eats 1.5 to 3%, depending on who does it.

These are not edge cases. They are the daily reality of earning in one currency and spending in another across multiple countries.

A multi-currency account cuts through most of this. With Grey, you hold USD, GBP, and EUR in one account, spend from your balance with a virtual card, and avoid the double-conversion trap where your dollars convert to your home currency and then back to the local one. There is no fumbling with local bank accounts that require a residence permit to open, and no risk of your primary bank shutting you out for "suspicious" overseas activity. For more on managing finances while working abroad, see financial tips for digital nomads.

Frequently Asked Questions

Can I use co-working spaces on a tourist visa?

Yes. Co-working spaces are private businesses and do not check immigration status. They sell desk access, not work permits. The legal question is whether your country of entry permits you to perform work on a tourist visa, not whether a co-working space will let you in. In practice, co-working spaces in every country on this list welcome tourists and nomads without documentation beyond a passport for signup.

What is a visa run, and is it risky?

A visa run means leaving a country before your tourist visa expires and immediately re-entering to start a new entry period. It is common in Vietnam, Thailand, and Indonesia. Agencies in all three countries offer day-trip border crossings for $30 to $80. The risk is that immigration officers notice the pattern and deny your re-entry. Thailand and Indonesia have both increased scrutiny on repeated visa runs since 2023. If you plan to stay longer than two consecutive tourist entries, applying for a longer-term visa is safer.

Do I need travel insurance or health insurance?

Both Thailand and Indonesia may ask for proof of health insurance at the border, though enforcement is inconsistent. Beyond entry requirements, your home country's health insurance almost certainly does not cover you for more than 30 to 90 days abroad. Nomad-specific policies like SafetyWing, World Nomads, or Genki start at $40 to $80 per month and cover medical emergencies, evacuation, and sometimes lost equipment. Carry proof of coverage regardless of whether the destination requires it.

Can I open a local bank account as a tourist?

In most countries on this list, no. Local banks typically require a residence permit, a local tax number, or proof of address to open an account. Georgia and Mexico are partial exceptions: some banks accept tourists with passports, but the process is inconsistent and branch-dependent. This is the core reason multi-currency accounts matter for nomads: they function across borders without requiring local residency.

What happens to my tax status if I work from multiple countries in one year?

If you spend fewer than 183 days in any single country, you are unlikely to trigger tax residency in that country. However, you may still owe tax in your home country on worldwide income, even while abroad. The US taxes citizens regardless of where they live. The UK uses a Statutory Residence Test that considers days spent, ties to the UK, and work patterns. Other countries have their own rules. Working from three different countries in one year does not erase your tax obligations in any of them. Consult a tax professional who specialises in international or expat taxation.

Which countries are cracking down on digital nomads?

Thailand, Indonesia, and Mexico have all tightened enforcement since 2023. Thailand has increased scrutiny of repeated visa runs and occasionally arrests nomads who work publicly without a work permit. Indonesian immigration raised fines for overstays and is more likely to deny extensions than in previous years. Mexico has reduced the default tourist visa duration from 180 days to as little as 14 days at the officer's discretion, primarily targeting repeat visitors without proof of onward travel. None of these amounts to a blanket crackdown, but the days of unlimited casual stays are narrowing.

Open a Grey account before your first flight and hold USD, GBP, and EUR in one place. Spend in local currency wherever you land. See Grey for digital nomads.

Disclaimer: This article is for informational purposes only and does not constitute legal, tax, or immigration advice. Entry conditions, visa rules, and tax obligations change frequently. Verify current requirements with official government sources or a qualified professional before making travel or financial decisions. Grey is not a bank. Grey is a licensed financial services provider offering multi-currency accounts.

How to create US and UK bank accounts as a migrant worker in the UK

2 min read

As a migrant worker in the UK, you likely already have a local bank account. But if you work with international clients or send money abroad, you’ve probably had a few challenges — high fees, unfavourable exchange rates, and slow transaction times.

A US bank account can make things easier by allowing you to receive and hold USD without conversion losses. And if you want better financial flexibility, having an additional UK account with a digital bank can help you manage your money more efficiently.

With Grey, you can open US and UK bank accounts easily.

Why do migrant workers in the UK need a US or extra UK bank account?

Even with a UK bank account, opening a US account (or an extra UK account) can be a game-changer. Here’s why:

1. Receiving USD payments without extra fees

If you work for US-based companies or freelance for international clients, you probably receive payments in USD. UK banks often charge high fees for converting USD to GBP. With a US account, you can receive payments directly in dollars without losing money on exchange rates.

2. Holding USD as savings

Slight currency fluctuations can affect your earnings. Holding part of your money in USD instead of GBP gives you more financial stability, especially if you send money abroad regularly.

3. Avoiding expensive international transfers

Sending money across borders? UK banks often have high international transfer fees. With Grey, you can move money seamlessly between your US and UK accounts, saving time and money.

4. Managing finances with an extra UK account

Some workers prefer multiple accounts to separate savings, salary payments, or different income sources. A second UK account can help with budgeting or receiving payments from multiple employers.

Also read: How to manage multiple currencies as an expatriate in Mexico using Grey

Step-by-step guide to opening US and UK bank accounts using Grey

The process is pretty straightforward. Here’s how you can get started:

1. Sign up for Grey

Creating an account with Grey is simple, requiring only a few personal details. Here’s what you need to do.

How to create US and UK bank accounts as a migrant worker in the UK
  • Choose your country: Select your current country of residence. This helps Grey tailor the setup to your location.
How to create US and UK bank accounts as a migrant worker in the UK
  • Enter your details: You’ll be prompted to provide your full name, email address, and phone number, then create a secure password.
How to create US and UK bank accounts as a migrant worker in the UK
  • Verify your email: Grey will send a one-time password (OTP) to your email address. Simply enter the code on the site to complete this step.
How to create US and UK bank accounts as a migrant worker in the UK
  • Once you’re set-up, you’re ready for identity verification — a step required for secure access to financial services.

2. Verify your identity for secure access

Grey requires some basic documents to confirm your identity and keep your funds secure:

  • A valid government-issued ID: A passport or national ID card will do.
  • Proof of address – A recent utility bill or bank statement confirming your residence in the UK.

Verification usually takes a few business days, but accurate and clear uploads speed up the process.

3. Access your US and UK bank accounts

Once your identity is verified, you’re all set to create your foreign accounts:

  • Log in to your Grey account.
  • Go to “Accounts” and select “Create Account.”
  • Choose your preferred currency (USD for a US bank account or GBP for a UK account).
  • Get your virtual bank details instantly.

Your US and UK bank accounts are now ready for use.

Also read: How to manage multiple currencies as an expatriate in Brazil using Grey

Benefits of using Grey as a migrant worker in the UK

  • No hidden fees – Transparent pricing means you keep more of your money.
  • Fast transactions – Receive payments and transfer money without long delays.
  • Global access – Use the Grey app to manage your finances from anywhere, anytime.

Tips for managing finances as a migrant worker

  • Budget wisely: Allocate your income across savings, daily expenses, and remittances to your family.
  • Use secure banking options – Enable two-factor authentication (2FA) for extra security.

Simplify banking across borders with Grey

Managing international payments as a migrant worker in the UK doesn’t have to be complicated. With Grey, you can open a US or extra UK bank account, receive payments seamlessly, and move money across borders.Create your Grey account today or download the app to enjoy inclusive global banking, designed for you to carry your dreams across borders.

How to create US and UK bank accounts as a migrant worker in Argentina

2 min read

If you’re a migrant worker earning in foreign currency in any country at all, you’ve probably faced one major challenge —getting paid. Migrant workers in Argentina aren’t any different and are often left scrambling for a solution.

Having a US or UK bank account solves this problem. In this article, you’ll learn how to open a US or UK bank account from Argentina using Grey.

Why should you open a US or UK bank account as a migrant worker in Argentina?

Whether you're a freelancer, remote worker, or an employee of an international company, having a foreign bank account can make a huge difference. Here’s why:

  • Seamless international payments: Get paid directly in USD or GBP without high transaction fees.
  • Better exchange rates: Convert your earnings to Argentine peso (ARS) when rates are most favourable.
  • Easy online transactions: Make seamless international transactions for online shopping, subscriptions, and global services.
  • Financial stability: Holding funds in stronger currencies like USD or GBP can protect you from local currency fluctuations.

With Grey, you can enjoy all these benefits directly from your phone.

Also read: How to manage multiple currencies as an expatriate in Mexico using Grey

Step-by-step guide to opening US and UK bank accounts using Grey

The process is pretty straightforward. Here’s how you can get started:

1. Sign up for Grey

Creating an account with Grey is simple, requiring only a few personal details. Here’s what you need to do.

  • Visit Grey.co: On your browser, enter Grey.co and click on “Get started – it’s free.”
How to create US and UK bank accounts as a migrant worker in Argentina
  • Choose your country: Select your current country of residence. This helps Grey tailor the setup to your location.
How to create US and UK bank accounts as a migrant worker in Argentina
  • Enter your details: You’ll be prompted to provide your full name, email address, and phone number, then create a secure password.
How to create US and UK bank accounts as a migrant worker in Argentina
  • Verify your email: Grey will send a one-time password (OTP) to your email address. Simply enter the code on the site to complete this step.
How to create US and UK bank accounts as a migrant worker in Argentina

Once you’re set-up, you’re ready for identity verification — a step required for secure access to financial services.

2. Verify your identity for secure access

To keep your account safe and compliant with international regulations, Grey requires some basic documents:

  • A government-issued ID (passport or national ID card).
  • Proof of address (a recent utility bill or bank statement).

Upload these documents in the Grey app, and your verification will typically be processed within a few business days. Make sure your documents are clear and up to date to avoid delays.

3. Access your US and UK bank accounts

Once your identity is verified, you’re all set to create your foreign accounts:

  • Log in to your Grey account.
  • Go to “Accounts” and select “Create Account.”
  • Choose your preferred currency (USD for a US bank account or GBP for a UK account).
  • Get your virtual bank details instantly.

Your US and UK bank accounts are now ready for use.

Also read: How to manage multiple currencies as an expatriate in Brazil using Grey

Benefits of using Grey as a migrant worker in Argentina

  • No hidden fees: Transparent pricing ensures you keep more of your money.
  • Competitive exchange rates: Maximise your earnings when converting currencies.
  • Fast transactions: Receive and transfer money instantly, without delays.
  • Global accessibility:  Use the Grey app to manage your finances from anywhere, anytime.

Tips for managing finances as a migrant worker

  • Budget wisely: Allocate your income across savings, daily expenses, and remittances to your family.
  • Track exchange rates: Use Grey’s real-time rates to convert funds at the best times.
  • Secure your accounts: Enable two-factor authentication (2FA) for added security.

Simplify banking across borders with Grey

Managing your earnings as a migrant worker in Argentina shouldn’t be complicated. With Grey, you can open a US or UK bank account, receive payments seamlessly, and withdraw in your local currency —all from your phone.

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

13 essential tools and resources for digital nomads in Rwanda

2 min read

For several years, Rwanda has improved its tourism policies by introducing visa-free travel to digital nomads and promoting its tourism sector through a popular “Visit Rwanda" campaign.

These policies have pushed Rwanda’s tourism industry forward and created a surge of digital nomads visiting the country. The number of visitors to Rwanda tripled in 2023 to 1.5 million from 521,000 in 2022.

The concept of being a digital nomad relies on the ability to travel and work at the same time, and for digital nomads, this can only be possible through several digital tools which will boost productivity and ensure connectivity is available.

1.Duolingo

Kinyarwanda, Swahili, and French are the most spoken languages in Rwanda; therefore, as a digital nomad, understanding a few phrases in these languages will help you navigate the country seamlessly.

An app like Duolingo will help you learn these languages easily, quickly, and cheaply. Duolingo has a free version with some ads and a paid version with no ads that costs $12.99 monthly.

2. Grey

As you step onto Rwandan soil, it’s essential to understand the currency used in Rwanda, the Rwandan franc. As a digital nomad, we expect you will need an app to help you receive your funds from clients and convert them into Rwandan francs.

Grey will help you receive funds directly from your clients worldwide and convert them to Rwandan francs. Besides that, Grey offers a virtual card to help you spend in popular online stores and malls like Nakumatt, Rwanda, and Kigali City Tower.

3. Zoom

. The working from-anywhere concept is what makes a digital nomadic lifestyle possible today. Tools like Zoom have replaced physical meetups, unlike previous traditional work settings, which will require an employee to be available physically at the workplace. ow, all you need is your Zoom login credentials.

Through Zoom, you can join other people’s meetings and host your own meetings, such as consultation calls and team standups. Zoom has a free version limited to 40 minutes and a Paid version starting at $14.99 monthly, with add-ons like spatial audio, unlimited recording, and unlimited call time.

Also, read Top 5 time trackers for freelancers to boost productivity.

4. Airbnb

Airbnb has revolutionised the hospitality industry. Previously, accommodation would have cost thousands of USD or a big hotel, but now digital nomads can rent accommodation at a cheaper price, up to 10 USD per night. If you are travelling on a budget in Rwanda, having an Airbnb app is necessary.

The app doesn’t have a subscription cost; you only need to download it, sign up, and rent a room. Also, as a digital nomad, being an Airbnb host or virtual assistant might be a great way to start a side hustle.

5. Insured Nomads

Travelling always comes with uncertainties, such as accidents, health problems, etc. Therefore, having health/travel insurance is crucial. Insured Nomads offer insurance services which cover medications for digital nomads.

We’ve partnered with insured Nomads to ensure you get a 10% discount on travel and health insurance plans from Insured Nomads. All you have to do is use the promo code “Grey10” at checkout.

6. Google Drive

There’s a small line that differentiates between digital nomads and content creators. Some digital nomads are content creators and some work in the creative industry. Tools like Google Drive work as alternatives to physical shelves for traditional workers.

Gole Drive will not only assist you in storing but also in organising your files into different nomads. It also gives you the ability to backup your folders at any time. Apart from that, Google Drive can be easily integrated with other tools, such as Trello and Asana and can be accessed on Windows and Mac OS.

Google Drive has a free version with 15GB storage and a paid version that starts at $19.99.

7. Couchsurfing

Sometimes, travelling goes beyond staying in fancy hotels and beaches. For some occasions, you will need to experience local living. Apps like Couchsurfing allow local hosts to host travellers in their local countries.

Through Couchsurfing, you will interact directly with locals and learn from them. Couchsurfing is free, but it’s advised that you buy at least a drink or food for your host. Lastly, don’t forget to verify your Couchsurfing account, as it will increase your credibility and chances of being accepted by other hosts.

Also, read 11 must-have tools for freelancers in 2024.

8. International e sim

Tired of swapping SIM cards? An eSIM is the perfect solution for digital nomads hopping between countries.

Airalo is the largest eSIM store, offering plans for over 200 countries. Pro tip: Save 20% on Airalo by using the discount code Grey24 at checkout and paying with your Grey virtual card.

9. Power banks

Power outrage is a problem in Rwanda and all over Africa, so having a power bank is a wise idea for a digital nomad living in Rwanda. Also, some places in Rwanda still don’t have access to electricity, so you can consider having a power station.

Brands like Anker and Mi are leading brands producing power banks, particularly for digital nomads. Xiaomi has a 10,000 mAH power bank, and Anker has a power bank with the same aMH, famously known as Anker power core, designed for digital nomads.

10. VPN services

Internet issues, such as internet outrages and geolocation problems, such as the unavailability of some websites in Rwanda, make having a VPN service a survival skill for digital nomads. Proton VPN and Nord VPN are popular VPN services in Rwanda, and their prices start at $2 to $10 per month.

Also, read 25 essential tools and resources for digital nomads in Latin America.

11. Canva

The design has become a part and parcel of digital nomads’ lifestyles. Tasks like looking for new clients and preparing reports for your clients require a design tool like Canva. Through Canva, you can create designs in seconds with a little graphic design skills.

You can also build a career around Canva graphic design and sell your skills on platforms like Fiverr and Upwork. Canva Pro costs $15, while the free version gives you some basic features.

12. Grammarly

If English isn’t your first language, Grammarly is your new best friend. It polishes your writing, fixes grammar mistakes, and suggests the right tone for your audience.

The free version is excellent, but monthly subscriptions for advanced features start at $12 per month.

13. Ride-hailing apps

Public transport, which is popularly known as “daladala” in Tanzania, Matatu in Kenya, and minibuses in Rwanda, is the most used mode of transport by locals. Navigating minibuses might be difficult and time-consuming for a digital nomad, so using ride-hailing apps like Bolt, Little Ride, and Yego Rwanda might be the best option.

These apps offer different means of transport, such as taxis, motorbikes, and Bajaj, which you can choose depending on your preference. Connecting your Grey virtual card with your ride-hailing app will enable you to pay for your transport seamlessly.

Create a Grey account to make your trip to Rwanda meaningful and seamless. This will enable you to pay for your subscriptions quickly and securely.

How to create US and UK bank accounts as a migrant worker in India

2 min read

India is home to over 1.4 billion people, making it the most populous country in the world. Among them are millions of migrant workers who have moved to India for job opportunities or remote work with international companies. While the country offers a vibrant economy and diverse culture, managing foreign earnings can be challenging.

For these migrant workers, having a US or UK bank account is the answer. This guide will show you how to open a US or UK bank account from India using Grey, so you can access your earnings without any issues.

Why should you open a US or UK bank account as a migrant worker?

Whether you're a freelancer, remote worker, or an employee of an international company, having a foreign bank account can make a huge difference. Here’s why:

  • Seamless international payments: Get paid directly in USD or GBP without high transaction fees.
  • Better exchange rates: Convert your earnings to Indian rupees (IDR) when rates are most favourable.
  • Easy online transactions: Pay for global services, subscriptions, and shopping without currency restrictions.
  • Financial stability: Holding funds in stronger currencies like USD or GBP can protect you from local currency fluctuations.

With Grey, you can enjoy all these benefits without visiting a physical bank branch.

Also read: How to manage multiple currencies as an expatriate in Mexico using Grey

Step-by-step guide to opening US and UK bank accounts using Grey

The process is pretty straightforward. Here’s how you can get started:

1. Sign up for Grey

Creating an account with Grey is simple, requiring only a few personal details. Here’s what you need to do.

  • Visit Grey.co: On your browser, enter Grey.co and click on “Get started – it’s free.”
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  • Choose your country: Select your current country of residence. This helps Grey tailor the setup to your location.
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  • Enter your details: You’ll be prompted to provide your full name, email address, and phone number, then create a secure password.
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  • Verify your email: Grey will send a one-time password (OTP) to your email address. Simply enter the code on the site to complete this step.
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  • Once you’re set-up, you’re ready for identity verification — a step required for secure access to financial services.

2. Verify your identity for secure access

Here’s what you’ll need to provide:

  • Government-issued ID: A valid passport or national ID card is required. Make sure it’s clear and up-to-date.
  • Proof of address: A recent utility bill or bank statement will verify your location. Grey uses this document to confirm your residency.
  • Submit your documents for review: Once uploaded, Grey will review your documents, a process that typically takes a few business days. Clear and accurate documentation speeds up approval.

3. Access your US and UK bank accounts

  • Once your identity is verified, log in to your Grey account.
  • Navigate to the “Accounts” section and select “Create Account.”
  • Choose the currency (USD for a US bank account or GBP for a UK account).
  • Your virtual bank account details, which include your account number and routing number, will be generated instantly.

Also read: How to manage multiple currencies as an expatriate in Brazil using Grey

Benefits of using Grey as a migrant worker in India

  • No hidden fees: Transparent pricing ensures you keep more of your money.
  • Competitive exchange rates: Maximise your earnings when converting currencies.
  • Fast transactions: Receive and transfer money instantly, without delays.
  • Global accessibility: Use the Grey app to manage your finances from anywhere, anytime.

Tips for managing finances as a migrant worker

  • Budget wisely: Allocate your income across savings, daily expenses, and remittances to your family.
  • Track exchange rates: Use Grey’s real-time rates to convert funds at the best times.
  • Secure your accounts: Enable two-factor authentication (2FA) for added security.

Simplify banking across borders with Grey

Managing your earnings as a migrant worker in India shouldn’t be complicated. With Grey, you can open a US or UK bank account, receive payments seamlessly, and withdraw in your local currency —all from your phone.

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

How to create US and UK bank accounts as a migrant worker in Europe

2 min read

Europe has long been a land of opportunity, attracting millions of migrant workers looking for better jobs, higher wages, and a fresh start. For these migrant workers, one challenge remains — getting paid across borders without losing money to fees and bad exchange rates.

Many migrants, especially those earning in USD or GBP struggle to access their funds smoothly. Traditional banks make it complicated, with long processing times, strict requirements, and high conversion fees.

Grey makes it easy for migrant workers to create US and UK bank accounts, anywhere in Europe. This guide will show you how to do it step-by-step, ensuring you can manage your finances seamlessly.

Why should you open a US or UK bank account as a migrant worker?

Having US and UK bank accounts comes with several advantages:

  • Receive payments globally: Get paid in USD or GBP, whether you're working remotely or freelancing.
  • Better exchange rates: Avoid the hidden fees and poor exchange rates associated with traditional money transfer services.
  • Easier transactions: Make seamless payments for international services, subscriptions, or goods.

With Grey, you can enjoy all these benefits without visiting a physical bank branch.

Also read: How to manage multiple currencies as an expatriate in Mexico using Grey

Step-by-step guide to opening US and UK bank accounts using Grey

The process is pretty straightforward. Here’s how you can get started:

1. Sign up for Grey

Creating an account with Grey is simple, requiring only a few personal details. Here’s what you need to do.

  • Visit Grey.co: On your browser, enter Grey.co and click on “Get started – it’s free.”
How to create US and UK bank accounts as a migrant worker in Europe
  • Choose your country: Select your current country of residence. This helps Grey tailor the setup to your location.
How to create US and UK bank accounts as a migrant worker in Europe

  • Enter your details: You’ll be prompted to provide your full name, email address, and phone number, then create a secure password.
How to create US and UK bank accounts as a migrant worker in Europe
  • Verify your email: Grey will send a one-time password (OTP) to your email address. Simply enter the code on the site to complete this step.
How to create US and UK bank accounts as a migrant worker in Europe
  • Once you’re set-up, you’re ready for identity verification — a step required for secure access to financial services.

2. Verify your identity for secure access

Here’s what you’ll need to provide:

  • Government-issued ID: A valid passport or national ID card is required. Make sure it’s clear and up-to-date.
  • Proof of address: A recent utility bill or bank statement will verify your location. Grey uses this document to confirm your residency.
  • Submit your documents for review: Once uploaded, Grey will review your documents, a process that typically takes a few business days. Clear and accurate documentation speeds up approval.

3. Access your US and UK bank accounts

  • Once your identity is verified, log in to your Grey account.
  • Navigate to the “Accounts” section and select “Create Account.”
  • Choose the currency (USD for a US bank account or GBP for a UK account).
  • Your virtual bank account details, including your account number and routing number, will be generated instantly.

Also read: How to manage multiple currencies as an expatriate in Brazil using Grey

How to use your US and UK bank accounts

Now that your accounts are set up, here’s what you can do:

Receive payments

Share your account details with employers, clients, or family abroad to receive payments in USD or GBP into your Grey account directly.

Convert to local currency

  • Use Grey to convert your USD or GBP to local currencies. Euros is the most widely accepted currency in Europe
  • Navigate to the “Convert” section in the app, select the currency pair, and confirm the transaction. Funds are instantly transferred to your local wallet.

Withdraw funds

Transfer your funds to a local bank account or mobile money service for easy access to cash.

Benefits of using Grey as a migrant worker in Europe

  • No hidden fees: Transparent pricing ensures you keep more of your money.
  • Competitive exchange rates: Maximise your earnings when converting currencies.
  • Fast transactions: Receive and transfer money instantly, without delays.
  • Global accessibility: Use the Grey app to manage your finances from anywhere, anytime.

Tips for managing finances as a migrant worker

  • Budget wisely: Allocate your income across savings, daily expenses, and remittances to your family.
  • Track exchange rates: Use Grey’s real-time rates to convert funds at the best times.
  • Secure your accounts: Enable two-factor authentication (2FA) for added security.

Simplify banking across borders with Grey

Life as a migrant worker in Europe doesn’t have to be difficult. With Grey, you can create US and UK bank accounts in minutes, receive payments globally, and manage multiple currencies.

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

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