Is it possible to draw up a card in a foreign bank

We tell how and why to start a foreign account.

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Why open an account in another country

Since March 11, Visa and MasterCard have suspended work in the Russian Federation. Now it is difficult to extend subscriptions to foreign services, download paid applications, book hotels abroad and pay abroad. And although for everything else there is a Mir card, many of the payment opportunities that have fallen into the ban, sometimes I want to save. Therefore, the account in a foreign bank is an opportunity to get Visa and MasterCard cards, which, unlike released in Russia, will work abroad.

Those who are not fond of online shopping and prefer to use cash even abroad, should also think about a map of a foreign bank. It is prohibited from exporting more than 10 thousand dollars by banknotes, so that the convenient storage will not hurt. It will not work out to withdraw more of this amount in dollars in Russia now, and from the accounts opened after March 9, it will be possible to withdraw only

Is it legal now to have an account abroad

Only civil servants, as well as their minor children and spouses, cannot open accounts in foreign banks. For other citizens there is no such prohibition. To avoid problems, do not forget to notify the tax office of your decision. This must be done within 30 days from the date of opening (as well as closing and changing the details) of the account in a foreign bank. You can notify the tax online, if there is an electronic signature, there is also an option to send documents by mail or handed it personally in the inspection.

In which country to issue a card

Most banks when opening an account requires the personal presence of foreign citizens. To find out for sure, contact a specific institution and specify the conditions. It must be remembered that transferring money in foreign currency to open abroad from Russia now will not work either. Therefore, the choice of the country largely depends on where you can physically get. Almost the entire European Union is closed for direct flights from Russia, but tourist visas to the EU countries are still available to Russians. For example, Italy and Greece can be reached with transfers. Serbia remains regarding the simple option: the entrance is open, the visa is not needed for the first 30 days, and local banks accept transfers in x.

It is difficult to call the exact list of conditions – the rules differ not only in countries, but also depend on the bank itself and even its branches. Here are a few options popular among Russians.

• Türkiye. To submit documents for opening an account, you will need a local SIM card and Turkish TIN (it can be issued online). An important plus: in Turkey there are ATMs that accept Mir cards – it is convenient for transferring funds from Russian accounts. It should be borne in mind that not in all departments the staff speaks English.
• Kazakhstan. Non -residents also need to have a Kazakh phone number and get a local TIN.
• UAE. The country is chosen for stability, strict security control and data confidentiality. Most banks in the UAE are likely to offer non -residents only a savings account that does not provide for daily use of funds. In this case, the minimum balance can be from 3,000 dirhams – about 91 thousand at the current course. To open the current account and receive access to more loyal conditions, you will need a resident visa or residence permit.
• Georgia. Not all Georgian banks are now ready to cooperate with the Russians, but if you look for options, open an account in this country will turn out with a minimum package of documents.
• Armenia. On average, it takes from four days and more. So it is better to lay this time and not expect to open an account in Armenia for a quick trip. The local phone number and Russian passport – in some banks such an ascetic set will be enough, in others the list of documents may be much wider. The “world” works in the country, so if the design of the local map is delayed, you will not be left without a virtual wallet.
• Kyrgyzstan. There is no language barrier here, and you can open a card by Russian passport. Without registration, Russians can stay in Kyrgyzstan for 30 days – at this time you can open an account simply according to the stamp about crossing the border, after you will need a certificate of registration. Another plus – some banks have well -worked Russian -speaking applications.
• Uzbekistan. Without a visa, you can live in Uzbekistan for up to 90 days, they accept Mir and Unionpay here, produces Visa and Mastercard, and also in Uzbekistan there is a familiar Beeline communication operator. There will be no problems with the language barrier either, but to open an account you need to register a foreign citizen – you can do this online on the site with public services.

In some countries, to open an account with a bank, you may have to go through an interview in English.

How to choose a bank

Before taking your savings to any bank, it is worth checking its status in international rating agencies. For example, in Standard & Poor’s, Moody’s Agency or Fitch Agency. The forecasts of these instances will help to choose a creditive bank in which the risk of losing money will be minimal.

Next, you should study the terms of opening an account for non -residents: some banks may not cooperate with those who pay taxes in another country. In addition, foreign citizens sometimes expose fairly high amounts of non -carrying residues and annual cards service. So it is worth soberly evaluating your financial capabilities and determine whether you can afford an account abroad.

It is better to make a list of available options and immediately contact different banks at the same time. This will save time in case of refusal of one or more options and will make it possible to immediately compare the proposed conditions. Do not forget to check where the deposit rates are higher and which bonus programs offer customers. Other selection criteria can be:

• possibility of remote design;
• Supporting operations with cryptocurrency;
• the ability to open a multicellular account;
• credit conditions;
• design speed;
• The level of confidentiality.

What documents are needed to draw up a foreign card

Be sure to prepare:

• foreign and Russian passports;
• TIN;
• employment information;
• document confirming registration;
• Revenue confirmation certificates.

Among the latter there may be standard forms from work and statements from accounts. And somewhere they can request more letters, resume and a higher education diploma. Further, documents on the legality of receiving funds will be required. It can be:

• tax return;
• form 2-NDFL;
• extract about the status of accounts for the last six months;
• investment paper;
• certificates of obtaining an inheritance or winning in the lottery;
• real estate purchase and sale agreement, car, business and other valuable property;
• loan agreements.

The collection of such papers is a game in Bingo: the more you will collect, the fewer questions for the origin of your money will be a financial organization. The phrase “personal accumulations” of foreign banks is unlikely to be convinced. It is advisable to translate the documents into the language of the country in which you want to open an account, and notarize copies of transfers notarized.

What alternatives are there to maps of foreign banks

If for some reason you cannot draw up a card, then to continue to safely buy ice cream on vacation or business trip, you can release a card of the Chinese payment system Unionpay-they already work in 180 countries. This option is also suitable for entrepreneurs and freelancers who have customers in other countries. You can release such a card in Russian banks, cooperating with UnionPay.

You can listen to the article. If you are more convenient for you, turn on the podcast.
Listen whether it is possible to issue a card in a foreign bank on Yandex.Music

Why open an account in another country

Since March 11, Visa and MasterCard have suspended work in the Russian Federation. Now it is difficult to extend subscriptions to foreign services, download paid applications, book hotels abroad and pay abroad. And although for everything else there is a Mir card, many of the payment opportunities that have fallen into the ban, sometimes I want to save. Therefore, the account in a foreign bank is an opportunity to get Visa and MasterCard cards, which, unlike released in Russia, will work abroad.

Those who are not fond of online shopping and prefer to use cash even abroad, should also think about a map of a foreign bank. It is prohibited from exporting more than 10 thousand dollars by banknotes, so that the convenient storage will not hurt. It will not work out to withdraw more of this amount in dollars in Russia now, and from the accounts opened after March 9, it will be possible to withdraw only

Is it legal now to have an account abroad

Only civil servants, as well as their minor children and spouses, cannot open accounts in foreign banks. For other citizens there is no such prohibition. To avoid problems, do not forget to notify the tax office of your decision. This must be done within 30 days from the date of opening (as well as closing and changing the details) of the account in a foreign bank. You can notify the tax online, if there is an electronic signature, there is also an option to send documents by mail or handed it personally in the inspection.

In which country to issue a card

Most banks when opening an account requires the personal presence of foreign citizens. To find out for sure, contact a specific institution and specify the conditions. It must be remembered that transferring money in foreign currency to open abroad from Russia now will not work either. Therefore, the choice of the country largely depends on where you can physically get. Almost the entire European Union is closed for direct flights from Russia, but tourist visas to the EU countries are still available to Russians. For example, Italy and Greece can be reached with transfers. Serbia remains regarding the simple option: the entrance is open, the visa is not needed for the first 30 days, and local banks accept transfers in x.

It is difficult to call the exact list of conditions – the rules differ not only in countries, but also depend on the bank itself and even its branches. Here are a few options popular among Russians.

• Türkiye. To submit documents for opening an account, you will need a local SIM card and Turkish TIN (it can be issued online). An important plus: in Turkey there are ATMs that accept Mir cards – it is convenient for transferring funds from Russian accounts. It should be borne in mind that not in all departments the staff speaks English.
• Kazakhstan. Non -residents also need to have a Kazakh phone number and get a local TIN.
• UAE. The country is chosen for stability, strict security control and data confidentiality. Most banks in the UAE are likely to offer non -residents only a savings account that does not provide for daily use of funds. In this case, the minimum balance can be from 3,000 dirhams – about 91 thousand at the current course. To open the current account and receive access to more loyal conditions, you will need a resident visa or residence permit.
• Georgia. Not all Georgian banks are now ready to cooperate with the Russians, but if you look for options, open an account in this country will turn out with a minimum package of documents.
• Armenia. On average, it takes from four days and more. So it is better to lay this time and not expect to open an account in Armenia for a quick trip. The local phone number and Russian passport – in some banks such an ascetic set will be enough, in others the list of documents may be much wider. The “world” works in the country, so if the design of the local map is delayed, you will not be left without a virtual wallet.
• Kyrgyzstan. There is no language barrier here, and you can open a card by Russian passport. Without registration, Russians can stay in Kyrgyzstan for 30 days – at this time you can open an account simply according to the stamp about crossing the border, after you will need a certificate of registration. Another plus – some banks have well -worked Russian -speaking applications.
• Uzbekistan. Without a visa, you can live in Uzbekistan for up to 90 days, they accept Mir and Unionpay here, produces Visa and Mastercard, and also in Uzbekistan there is a familiar Beeline communication operator. There will be no problems with the language barrier either, but to open an account you need to register a foreign citizen – you can do this online on the site with public services.

In some countries, to open an account with a bank, you may have to go through an interview in English.

How to choose a bank

Before taking your savings to any bank, it is worth checking its status in international rating agencies. For example, in Standard & Poor’s, Moody’s Agency or Fitch Agency. The forecasts of these instances will help to choose a creditive bank in which the risk of losing money will be minimal.

Next, you should study the terms of opening an account for non -residents: some banks may not cooperate with those who pay taxes in another country. In addition, foreign citizens sometimes expose fairly high amounts of non -carrying residues and annual cards service. So it is worth soberly evaluating your financial capabilities and determine whether you can afford an account abroad.

It is better to make a list of available options and immediately contact different banks at the same time. This will save time in case of refusal of one or more options and will make it possible to immediately compare the proposed conditions. Do not forget to check where the deposit rates are higher and which bonus programs offer customers. Other selection criteria can be:

• possibility of remote design;
• Supporting operations with cryptocurrency;
• the ability to open a multicellular account;
• credit conditions;
• design speed;
• The level of confidentiality.

What documents are needed to draw up a foreign card

Be sure to prepare:

• foreign and Russian passports;
• TIN;
• employment information;
• document confirming registration;
• Revenue confirmation certificates.

Among the latter there may be standard forms from work and statements from accounts. And somewhere they can request more letters, resume and a higher education diploma. Further, documents on the legality of receiving funds will be required. It can be:

• tax return;
• form 2-NDFL;
• extract about the status of accounts for the last six months;
• investment paper;
• certificates of obtaining an inheritance or winning in the lottery;
• real estate purchase and sale agreement, car, business and other valuable property;
• loan agreements.

The collection of such papers is a game in Bingo: the more you will collect, the fewer questions for the origin of your money will be a financial organization. The phrase “personal accumulations” of foreign banks is unlikely to be convinced. It is advisable to translate the documents into the language of the country in which you want to open an account, and notarize copies of transfers notarized.

What alternatives are there to maps of foreign banks

If for some reason you cannot draw up a card, then to continue to safely buy ice cream on vacation or business trip, you can release a card of the Chinese payment system Unionpay-they already work in 180 countries. This option is also suitable for entrepreneurs and freelancers who have customers in other countries. You can release such a card in Russian banks, cooperating with UnionPay.