Expat Banking Ease

Practical comparison of how easy it is for a foreign national, new resident or expat to open and use an ordinary bank account. The indicator focuses on account-opening reality; banking secrecy, CRS participation, ATM access, international transfers and general banking stability remain separate Nomadino indicators.
1 Georgia90 points 90 points 90
2 Singapore86 points 86 points 86
3 Estonia83 points 83 points 83
3 Hong Kong83 points 83 points 83
5 Luxembourg82 points 82 points 82
6 United Arab Emirates81 points 81 points 81
7 Switzerland79 points 79 points 79
8 Netherlands78 points 78 points 78
9 Lithuania77 points 77 points 77
10 Canada75 points 75 points 75
11 Cayman Islands74 points 74 points 74
11 Denmark74 points 74 points 74
11 Gibraltar74 points 74 points 74
11 Sweden74 points 74 points 74
11 United Kingdom74 points 74 points 74
16 Greenland73 points 73 points 73
16 Ireland73 points 73 points 73
16 New Zealand73 points 73 points 73
16 Norway73 points 73 points 73
20 Bahrain72 points 72 points 72
20 Belgium72 points 72 points 72
20 Finland72 points 72 points 72
23 Australia71 points 71 points 71
23 France71 points 71 points 71
23 Portugal71 points 71 points 71
26 Germany70 points 70 points 70
27 Iceland69 points 69 points 69
27 Malta69 points 69 points 69
27 Monaco69 points 69 points 69
27 Spain69 points 69 points 69
31 Bermuda68 points 68 points 68
31 Liechtenstein68 points 68 points 68
33 Austria67 points 67 points 67
33 Czech Republic67 points 67 points 67
33 Macau67 points 67 points 67
33 Panama67 points 67 points 67
33 Poland67 points 67 points 67
33 Slovenia67 points 67 points 67
39 Israel66 points 66 points 66
39 Latvia66 points 66 points 66
41 Cyprus65 points 65 points 65
41 Qatar65 points 65 points 65
43 Mauritius64 points 64 points 64
43 Slovakia64 points 64 points 64
45 Bahamas62 points 62 points 62
46 Chinese Taipei61 points 61 points 61
46 Italy61 points 61 points 61
48 Andorra60 points 60 points 60
48 San Marino60 points 60 points 60
48 United States60 points 60 points 60
48 Uruguay60 points 60 points 60
52 Faroe Islands59 points 59 points 59
52 Hungary59 points 59 points 59
52 Malaysia59 points 59 points 59
55 Puerto Rico58 points 58 points 58
56 Croatia57 points 57 points 57
56 South Africa57 points 57 points 57
56 U.S. Virgin Islands57 points 57 points 57
59 Armenia56 points 56 points 56
59 British Virgin Islands56 points 56 points 56
59 Chile56 points 56 points 56
59 Korea Republic56 points 56 points 56
59 Romania56 points 56 points 56
64 Aruba55 points 55 points 55
64 Curacao55 points 55 points 55
66 Barbados54 points 54 points 54
66 Bulgaria54 points 54 points 54
66 Martinique54 points 54 points 54
66 Seychelles54 points 54 points 54
66 Turks and Caicos Islands54 points 54 points 54
71 Greece53 points 53 points 53
71 Guam53 points 53 points 53
73 Réunion52 points 52 points 52
74 Costa Rica51 points 51 points 51
74 Guadeloupe51 points 51 points 51
74 Saudi Arabia51 points 51 points 51
74 Serbia51 points 51 points 51
78 Sint Maarten50 points 50 points 50
79 Brunei49 points 49 points 49
79 French Guiana49 points 49 points 49
79 Mexico49 points 49 points 49
79 Rwanda49 points 49 points 49
83 Anguilla48 points 48 points 48
83 Antigua and Barbuda48 points 48 points 48
83 Kazakhstan48 points 48 points 48
83 Montenegro48 points 48 points 48
83 Thailand48 points 48 points 48
83 Trinidad and Tobago48 points 48 points 48
89 El Salvador47 points 47 points 47
89 Oman47 points 47 points 47
89 Saint Kitts and Nevis47 points 47 points 47
92 Brazil46 points 46 points 46
92 Colombia46 points 46 points 46
92 Jamaica46 points 46 points 46
92 Japan46 points 46 points 46
92 Kuwait46 points 46 points 46
92 New Caledonia46 points 46 points 46
92 Saint-Martin46 points 46 points 46
92 Tahiti46 points 46 points 46
100 Azerbaijan45 points 45 points 45
100 Botswana45 points 45 points 45
100 Kenya45 points 45 points 45
100 Maldives45 points 45 points 45
100 Saint Lucia45 points 45 points 45
100 Ukraine45 points 45 points 45
106 North Macedonia44 points 44 points 44
106 Peru44 points 44 points 44
106 Turkey44 points 44 points 44
109 Albania42 points 42 points 42
109 American Samoa42 points 42 points 42
109 Belize42 points 42 points 42
109 Cape Verde42 points 42 points 42
109 Dominican Republic42 points 42 points 42
109 Ecuador42 points 42 points 42
109 Jordan42 points 42 points 42
109 Northern Mariana Islands42 points 42 points 42
109 Saint Pierre and Miquelon42 points 42 points 42
109 Saint Vincent and the Grenadines42 points 42 points 42
119 Cambodia41 points 41 points 41
119 Ghana41 points 41 points 41
119 Indonesia41 points 41 points 41
119 Kyrgyzstan41 points 41 points 41
119 Moldova41 points 41 points 41
119 Mongolia41 points 41 points 41
119 Philippines41 points 41 points 41
119 Uzbekistan41 points 41 points 41
127 Argentina40 points 40 points 40
127 Bosnia and Herzegovina40 points 40 points 40
127 Dominica40 points 40 points 40
127 Fiji40 points 40 points 40
127 Grenada40 points 40 points 40
127 Kosovo40 points 40 points 40
127 Morocco40 points 40 points 40
127 Namibia40 points 40 points 40
135 Montserrat39 points 39 points 39
135 Paraguay39 points 39 points 39
137 Djibouti38 points 38 points 38
138 Guatemala37 points 37 points 37
138 Suriname37 points 37 points 37
138 Tunisia37 points 37 points 37
141 Guyana36 points 36 points 36
141 India36 points 36 points 36
143 Senegal35 points 35 points 35
143 Vietnam35 points 35 points 35
145 Nigeria34 points 34 points 34
146 Egypt33 points 33 points 33
146 Honduras33 points 33 points 33
146 Mayotte33 points 33 points 33
146 Sri Lanka33 points 33 points 33
150 Ivory Coast32 points 32 points 32
150 Swaziland32 points 32 points 32
150 Tanzania32 points 32 points 32
150 Uganda32 points 32 points 32
150 Zambia32 points 32 points 32
155 China30 points 30 points 30
155 Gabon30 points 30 points 30
155 Zanzibar30 points 30 points 30
158 Nicaragua29 points 29 points 29
159 Bangladesh28 points 28 points 28
159 Benin28 points 28 points 28
159 Bhutan28 points 28 points 28
159 Bolivia28 points 28 points 28
159 Gambia28 points 28 points 28
159 Lesotho28 points 28 points 28
159 Palau28 points 28 points 28
159 Samoa28 points 28 points 28
159 São Tomé and Príncipe28 points 28 points 28
159 Vanuatu28 points 28 points 28
169 Cook Islands27 points 27 points 27
169 Tajikistan27 points 27 points 27
169 Togo27 points 27 points 27
172 Cameroon25 points 25 points 25
172 Marshall Islands25 points 25 points 25
172 Nepal25 points 25 points 25
172 Pakistan25 points 25 points 25
172 Tonga25 points 25 points 25
177 Belarus24 points 24 points 24
177 Burkina Faso24 points 24 points 24
177 Congo24 points 24 points 24
177 Equatorial Guinea24 points 24 points 24
177 Ethiopia24 points 24 points 24
177 Liberia24 points 24 points 24
177 Malawi24 points 24 points 24
177 Mauritania24 points 24 points 24
177 Mozambique24 points 24 points 24
186 Algeria23 points 23 points 23
187 Comoros22 points 22 points 22
187 Guinea22 points 22 points 22
187 Iraq22 points 22 points 22
187 Madagascar22 points 22 points 22
187 Mali22 points 22 points 22
187 Micronesia22 points 22 points 22
187 Nauru22 points 22 points 22
187 Niue22 points 22 points 22
187 Sierra Leone22 points 22 points 22
187 Solomon Islands22 points 22 points 22
187 Timor-Leste22 points 22 points 22
187 Zimbabwe22 points 22 points 22
199 Angola21 points 21 points 21
199 Laos21 points 21 points 21
199 Palestine21 points 21 points 21
199 Papua New Guinea21 points 21 points 21
203 Kiribati20 points 20 points 20
203 Wallis and Futuna20 points 20 points 20
205 Burundi19 points 19 points 19
205 Guinea-Bissau19 points 19 points 19
205 Russia19 points 19 points 19
208 Congo DR18 points 18 points 18
208 Tuvalu18 points 18 points 18
210 Libya17 points 17 points 17
210 Niger17 points 17 points 17
212 Central African Republic16 points 16 points 16
212 Chad16 points 16 points 16
212 Lebanon16 points 16 points 16
215 Haiti14 points 14 points 14
215 Turkmenistan14 points 14 points 14
215 Venezuela14 points 14 points 14
218 Myanmar13 points 13 points 13
219 Sudan12 points 12 points 12
220 Eritrea11 points 11 points 11
221 South Sudan9 points 9 points 9
221 Yemen9 points 9 points 9
223 Cuba8 points 8 points 8
223 Somalia8 points 8 points 8
223 Syria8 points 8 points 8
223 Western Sahara8 points 8 points 8
227 Afghanistan7 points 7 points 7
228 Iran6 points 6 points 6
229 Korea DPR2 points 2 points 2

Last rating: June 18th, 2026

How the Raw Value Is Calculated

The raw value is a Nomadino 0-100 point value for practical bank-account opening by foreign nationals, new residents and expats. 100 means a very easy process with clear documents and a realistically usable everyday account; 0 means access is practically blocked or available only in exceptional cases.

The calculation combines five blocks: legal access and document burden count for 35%, practical onboarding 20%, general financial access 20%, digital identity and remote-readiness environment 15%, and AML, sanctions and high-risk friction 10%.

Legal access and practical onboarding check whether foreigners or new residents can open a normal account, which documents are required, and whether proof of address, local tax numbers, residence cards, minimum deposits or branch-only procedures make opening an account harder.

General financial access, digital identity and remote readiness are checked against public World Bank, IMF, ID4D and ITU data. They do not replace the concrete bank rule, but they help where formal rules look simple while practical onboarding is still constrained by weak financial infrastructure, identity checks or digital access.

FATF lists and sanctions are used only as a friction factor. A country is not automatically excluded, but high-risk, countermeasure and heavily sanctioned environments score lower because banks are more likely to apply enhanced checks, rejections or correspondent-banking restrictions to foreign customers there.

The indicator does not measure banking secrecy, CRS participation, general banking stability, ATM availability, international transfers or fintech development as separate goals. These are separate Nomadino indicators; they are considered here only where they directly affect account opening.

For countries and territories without complete direct source coverage, Nomadino uses maintained replacement values. They are checked against administering states, regional peers, public bank information, financial-access data and digital infrastructure.

The score equals the raw value. A higher raw value therefore improves the ranking.