Everyday Accounts and Payments for Foreigners

This ranking compares how well foreigners can use everyday accounts, cards, payment apps, transfers and local payments. The raw value is a 0-100 point value based on banking access, fintech, international payment access, digital identity, administration and legal stability.
1 Singapore100 points 100 points 100
2 Luxembourg99 points 99 points 99
3 Estonia98 points 98 points 98
4 Denmark97 points 97 points 97
4 Finland97 points 97 points 97
4 Netherlands97 points 97 points 97
4 Sweden97 points 97 points 97
8 Switzerland95 points 95 points 95
9 New Zealand93 points 93 points 93
10 Austria92 points 92 points 92
10 Norway92 points 92 points 92
12 Australia91 points 91 points 91
12 Ireland91 points 91 points 91
12 Portugal91 points 91 points 91
15 Canada90 points 90 points 90
15 Spain90 points 90 points 90
17 Germany89 points 89 points 89
17 Iceland89 points 89 points 89
17 United Arab Emirates89 points 89 points 89
20 Malta88 points 88 points 88
21 Gibraltar87 points 87 points 87
22 Hong Kong86 points 86 points 86
22 Latvia86 points 86 points 86
22 Lithuania86 points 86 points 86
22 United Kingdom86 points 86 points 86
26 Monaco85 points 85 points 85
27 Belgium82 points 82 points 82
27 Cayman Islands82 points 82 points 82
27 Cyprus82 points 82 points 82
27 Faroe Islands82 points 82 points 82
27 France82 points 82 points 82
27 Liechtenstein82 points 82 points 82
33 United States81 points 81 points 81
34 Czech Republic80 points 80 points 80
35 Korea Republic79 points 79 points 79
35 Slovenia79 points 79 points 79
37 Bermuda78 points 78 points 78
37 Macau78 points 78 points 78
39 Andorra77 points 77 points 77
39 Japan77 points 77 points 77
39 Malaysia77 points 77 points 77
39 Saint-Martin77 points 77 points 77
39 Turks and Caicos Islands77 points 77 points 77
39 Uruguay77 points 77 points 77
45 Aruba76 points 76 points 76
45 Chinese Taipei76 points 76 points 76
45 Guam76 points 76 points 76
45 Italy76 points 76 points 76
45 Poland76 points 76 points 76
45 Sint Maarten76 points 76 points 76
45 Slovakia76 points 76 points 76
45 U.S. Virgin Islands76 points 76 points 76
53 Curacao75 points 75 points 75
53 Greenland75 points 75 points 75
53 Guadeloupe75 points 75 points 75
53 Martinique75 points 75 points 75
53 Qatar75 points 75 points 75
53 Réunion75 points 75 points 75
53 San Marino75 points 75 points 75
60 Costa Rica74 points 74 points 74
60 Croatia74 points 74 points 74
60 French Guiana74 points 74 points 74
60 Georgia74 points 74 points 74
60 Israel74 points 74 points 74
60 New Caledonia74 points 74 points 74
60 Northern Mariana Islands74 points 74 points 74
60 Puerto Rico74 points 74 points 74
68 Bahrain73 points 73 points 73
68 Chile73 points 73 points 73
70 Greece72 points 72 points 72
70 Hungary72 points 72 points 72
70 Panama72 points 72 points 72
70 Saint Pierre and Miquelon72 points 72 points 72
70 Tahiti72 points 72 points 72
75 British Virgin Islands71 points 71 points 71
75 Romania71 points 71 points 71
77 Mauritius70 points 70 points 70
77 Mayotte70 points 70 points 70
77 North Macedonia70 points 70 points 70
77 Serbia70 points 70 points 70
81 American Samoa69 points 69 points 69
81 Bulgaria69 points 69 points 69
81 Montenegro69 points 69 points 69
84 Montserrat68 points 68 points 68
85 Kuwait67 points 67 points 67
85 Thailand67 points 67 points 67
85 Trinidad and Tobago67 points 67 points 67
88 Armenia66 points 66 points 66
88 Barbados66 points 66 points 66
88 Brunei66 points 66 points 66
88 Kosovo66 points 66 points 66
88 Oman66 points 66 points 66
93 Argentina65 points 65 points 65
93 Bosnia and Herzegovina65 points 65 points 65
93 Botswana65 points 65 points 65
93 Cook Islands65 points 65 points 65
93 Kazakhstan65 points 65 points 65
98 Albania64 points 64 points 64
98 Brazil64 points 64 points 64
98 South Africa64 points 64 points 64
101 Bahamas63 points 63 points 63
101 Mexico63 points 63 points 63
101 Mongolia63 points 63 points 63
101 Saudi Arabia63 points 63 points 63
101 Seychelles63 points 63 points 63
101 Turkey63 points 63 points 63
107 Moldova62 points 62 points 62
107 Namibia62 points 62 points 62
107 Vietnam62 points 62 points 62
110 Anguilla61 points 61 points 61
110 Antigua and Barbuda61 points 61 points 61
110 Colombia61 points 61 points 61
110 Dominican Republic61 points 61 points 61
110 Jamaica61 points 61 points 61
110 Jordan61 points 61 points 61
110 Philippines61 points 61 points 61
110 Rwanda61 points 61 points 61
118 Maldives60 points 60 points 60
118 Peru60 points 60 points 60
120 Belize59 points 59 points 59
120 El Salvador59 points 59 points 59
120 Kyrgyzstan59 points 59 points 59
120 Paraguay59 points 59 points 59
120 Saint Kitts and Nevis59 points 59 points 59
120 Ukraine59 points 59 points 59
126 Azerbaijan58 points 58 points 58
126 China58 points 58 points 58
126 Ecuador58 points 58 points 58
126 Grenada58 points 58 points 58
126 Niue58 points 58 points 58
126 Sri Lanka58 points 58 points 58
132 Ghana57 points 57 points 57
132 India57 points 57 points 57
132 Indonesia57 points 57 points 57
132 Kenya57 points 57 points 57
132 Morocco57 points 57 points 57
132 Saint Lucia57 points 57 points 57
132 Tunisia57 points 57 points 57
132 Uzbekistan57 points 57 points 57
140 Dominica56 points 56 points 56
140 Saint Vincent and the Grenadines56 points 56 points 56
142 Cambodia55 points 55 points 55
142 Fiji55 points 55 points 55
142 Guatemala55 points 55 points 55
145 Bolivia54 points 54 points 54
145 Cape Verde54 points 54 points 54
145 Nepal54 points 54 points 54
148 Bhutan53 points 53 points 53
148 Egypt53 points 53 points 53
148 Guyana53 points 53 points 53
148 Senegal53 points 53 points 53
148 Suriname53 points 53 points 53
148 Wallis and Futuna53 points 53 points 53
148 Zambia53 points 53 points 53
155 Honduras52 points 52 points 52
155 Palau52 points 52 points 52
155 Swaziland52 points 52 points 52
155 Tanzania52 points 52 points 52
155 Tonga52 points 52 points 52
155 Uganda52 points 52 points 52
161 Lesotho51 points 51 points 51
162 Bangladesh50 points 50 points 50
162 Gabon50 points 50 points 50
162 Ivory Coast50 points 50 points 50
162 Samoa50 points 50 points 50
166 Benin49 points 49 points 49
166 Gambia49 points 49 points 49
166 Laos49 points 49 points 49
166 Nicaragua49 points 49 points 49
166 Tajikistan49 points 49 points 49
171 Micronesia48 points 48 points 48
172 Algeria46 points 46 points 46
172 Malawi46 points 46 points 46
172 Togo46 points 46 points 46
172 Vanuatu46 points 46 points 46
172 Zanzibar46 points 46 points 46
177 Djibouti45 points 45 points 45
177 Nigeria45 points 45 points 45
179 Pakistan44 points 44 points 44
180 Mozambique43 points 43 points 43
180 São Tomé and Príncipe43 points 43 points 43
180 Solomon Islands43 points 43 points 43
183 Cameroon42 points 42 points 42
183 Congo42 points 42 points 42
183 Ethiopia42 points 42 points 42
183 Liberia42 points 42 points 42
187 Madagascar41 points 41 points 41
187 Marshall Islands41 points 41 points 41
187 Papua New Guinea41 points 41 points 41
187 Timor-Leste41 points 41 points 41
191 Belarus40 points 40 points 40
191 Burkina Faso40 points 40 points 40
191 Mauritania40 points 40 points 40
191 Sierra Leone40 points 40 points 40
191 Zimbabwe40 points 40 points 40
196 Comoros39 points 39 points 39
196 Palestine39 points 39 points 39
198 Guinea38 points 38 points 38
198 Lebanon38 points 38 points 38
200 Iraq37 points 37 points 37
200 Mali37 points 37 points 37
200 Nauru37 points 37 points 37
203 Angola36 points 36 points 36
203 Tuvalu36 points 36 points 36
205 Kiribati35 points 35 points 35
206 Equatorial Guinea34 points 34 points 34
207 Burundi31 points 31 points 31
207 Guinea-Bissau31 points 31 points 31
207 Haiti31 points 31 points 31
207 Niger31 points 31 points 31
207 Russia31 points 31 points 31
212 Congo DR30 points 30 points 30
212 Western Sahara30 points 30 points 30
214 Cuba28 points 28 points 28
215 Chad25 points 25 points 25
216 Central African Republic24 points 24 points 24
216 Libya24 points 24 points 24
216 Venezuela24 points 24 points 24
219 Myanmar21 points 21 points 21
220 Eritrea18 points 18 points 18
221 Afghanistan17 points 17 points 17
221 Somalia17 points 17 points 17
221 Sudan17 points 17 points 17
224 Iran14 points 14 points 14
225 South Sudan12 points 12 points 12
225 Turkmenistan12 points 12 points 12
227 Yemen9 points 9 points 9
228 Syria7 points 7 points 7
229 Korea DPR0 points 0 points 0

Last rating: June 22nd, 2026

How the Raw Value Is Calculated

The raw value is a 0-100 point value for everyday accounts and local payments for foreigners. 100 means that foreign residents can comparatively easily open an account, use cards, use local payment apps and receive or send transfers.

The calculation combines eight blocks: banking and payment access counts for 42%, digital and infrastructure usability 18%, governance and rule of law 12%, residence and registration context 10%, everyday foreigner context 8%, foreign-born population share 5%, language accessibility 3% and mobile-plan cost 2%.

Public anchors include World Bank financial data, Global Findex, OECD CRS profiles, international payment access, banking stability, fintech, digital identity, internet and mobile data, and governance and rule-of-law indicators.

Countries with strongly restricted international payments, sanctions, isolated banking systems or very weak administration are capped. The indicator rates practical everyday usability, not asset protection or banking secrecy.

Values are stretched to the current Nomadino country comparison. The rating equals the rounded raw value; higher values improve the ranking.