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Ask HN: Online banks where I can open account worldwide?

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Re: Ask HN: Online banks where I can open account worldwide?

#21

Post by eerikkivistik »

eksemplar wrote: post #17

It’s not something I’ve looked into, but being from Denmark, one of the most digitised public sectors of Europe, I do hear about our competitors. I think you should look into Estonia, they offer digital citizenship and a range of other services. It’s not a full citizenship, but it allows you to do banking and create companies and such. Not sure how commonly accepted it is in other parts of Europe though. But I think…

The problem with Estonia is that I think you still need to travel here in person to open a bank account. The KYC laws are pretty strict. Source – I'm Estonian.

Re: Ask HN: Online banks where I can open account worldwide?

#22

Post by ctas »

rzvme wrote: post #13

I love N26. I use it everyday. It is free, great conversion rate etc. it even works with Apple Pay. I know I sound like a paid advertiser, but I swear I just love their service Some nice things: - you can pay with it during a flight, not possible with most of the online bank - depending on the country you can apply for overdraft - you can get cards that include different types of insurance, free withdrawals in any cu…

Please don't use N26! There've been major security vulnerabilities in the past [0]. I wouldn't trust them with my money.

[0] https://theheureka.com/massive-security-vulnerabilities-dete...

Re: Ask HN: Online banks where I can open account worldwide?

#23

Post by falsedan »

huxflux wrote: post #7
faebi wrote: post #3

My standard swiss banks always offered me to ship the replacement cards to anywhere in the world as long as I notify them how long I am in which country. I see no reason except cost-saving that an online bank shouldn‘t offer it.

Good for you, now we know you have a set of banks in Swiss. Care to namedrop them so others can take a look as well?

Just choose any canton bank, they’re identical

Re: Ask HN: Online banks where I can open account worldwide?

#25

Post by rzvme »

ctas wrote: post #22
rzvme wrote: post #13

I love N26. I use it everyday. It is free, great conversion rate etc. it even works with Apple Pay. I know I sound like a paid advertiser, but I swear I just love their service Some nice things: - you can pay with it during a flight, not possible with most of the online bank - depending on the country you can apply for overdraft - you can get cards that include different types of insurance, free withdrawals in any cu…

Please don't use N26! There've been major security vulnerabilities in the past [0]. I wouldn't trust them with my money. [0] https://theheureka.com/massive-security-vulnerabilities-dete...

Thanks for that, didn't know. I am curios if you are insured and even if someone steals your money, you get it back.

Re: Ask HN: Online banks where I can open account worldwide?

#26

Post by rzvme »

dmichulke wrote: post #19
rzvme wrote: post #13

I love N26. I use it everyday. It is free, great conversion rate etc. it even works with Apple Pay. I know I sound like a paid advertiser, but I swear I just love their service Some nice things: - you can pay with it during a flight, not possible with most of the online bank - depending on the country you can apply for overdraft - you can get cards that include different types of insurance, free withdrawals in any cu…

Ex-customer here: Beware, N26 is not "mobile first", it's "mobile only". If you intend to use it without mobile phone or your mobile phone doesn't use the original Google Play services (e.g. due to LineageOS), then you can't confirm transactions and that makes it pretty useless.

Yea, thanks for pointing that out, you are right, and that is why I love it :D But I see how that can be a problem to some people :) I am the kind of person that tends to focus on the positives.

Re: Ask HN: Online banks where I can open account worldwide?

#27

Post by IdontRememberIt »

I try to avoid SPOF. I carry separately 2 cards from 2 bank accounts. I use 1 for guaranty (hotels never cancel them manually which can be a problem if you often change hotels), the other is for consumption. Also, maybe you should change your bank. Mine is sending a card replacement whereever I am on the planet in a few business days.

Re: Ask HN: Online banks where I can open account worldwide?

#28

Post by ElCapitanMarkla »

huxflux wrote: post #5
xchaotic wrote: post #4

Earlier quoted context omitted.

I use them too, but note that they are not a bank, so your money is not protected, also consider Revolut

How is your experience with them so far?

Haven’t used their borderless account but I live in NZ and get paid by a UK company into a UK account. I use them to bring all my money back to NZ and have nothing but good things to say about them. I usually have the cash in my NZ the next day but sometimes I’ve had it the same day, they’re really fast.

Re: Ask HN: Online banks where I can open account worldwide?

#29

Post by rzvme »

markdown wrote: post #16
rzvme wrote: post #13

I love N26. I use it everyday. It is free, great conversion rate etc. it even works with Apple Pay. I know I sound like a paid advertiser, but I swear I just love their service Some nice things: - you can pay with it during a flight, not possible with most of the online bank - depending on the country you can apply for overdraft - you can get cards that include different types of insurance, free withdrawals in any cu…

This isn't a solution. OP asked for an account that can be opened from anywhere. This one only works in a handful of countries. > I can open account worldwide?

Yea, you can open it from wherever you are, you just have to know someone in one of the supported countries and you should have a valid passport. A friend of mine opened it while I was living in Italy and there was no problem. The address is used to send you the card. As soon I received his card, I sent him all the details and he started using it through ApplePay and online. But thanks for pointing it out. I didn't make it clear enought

Re: Ask HN: Online banks where I can open account worldwide?

#30

Post by theodor_shi »

maremmano wrote: post #11

I'm using it and it's great: https://n26.com

I did not put the name in the description of my question. But I used them as well. When I came to Germany they opened me the account without the German apartments registration. I confirmed my identity with the web camera and my passport and they sent me the card by post to my hotel. Easy. But I think they can do it only within EU. If I travel with their card to another country and will lose it, they will not send it worldwide.
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