← Banking Fintech

Expat Banking Ease

How easy it is for a foreign national — without local residency, employment, or citizenship — to open and actively use a bank account. Score 0–100 based on: required documentation, minimum deposit requirements, in-person vs. online process, language accessibility, and whether non-residents are explicitly welcomed (InterNations Expat Insider 2024, Wise/Revolut country availability, NomadList Banking Index). Georgia scores 92 — the world's easiest expat banking: TBC Bank and Bank of Georgia open accounts in under an hour with just a passport, no proof of address needed, English-speaking staff, competitive FX. Estonia offers e-Residency with LHV and Revolut. UAE (DIFC/ADGM zone) caters explicitly to international business residents with same-day digital onboarding. By contrast: Japan scores 38 — requires a residency card (Zairyu Card), typically 3+ months in-country first. Germany 65 — SCHUFA credit check required, often German-only processes. Cuba, North Korea, Iran, South Sudan score near 0 — foreigners effectively cannot open accounts. This is the single most practically relevant indicator for digital nomads.

#↑ Country↕ Raw Value↕ Score↕
1 Georgia92 92 92
2 Estonia88 88 88
2 Singapore88 88 88
4 Luxembourg82 82 82
4 Hong Kong82 82 82
4 United Arab Emirates82 82 82
7 Lithuania78 78 78
8 Netherlands75 75 75
8 Switzerland75 75 75
8 Cayman Islands75 75 75
11 Ireland72 72 72
11 England72 72 72
11 Denmark72 72 72
11 Sweden72 72 72
11 Canada72 72 72
11 Monaco72 72 72
11 Bahrain72 72 72
11 Gibraltar72 72 72
19 Finland70 70 70
19 Norway70 70 70
19 New Zealand70 70 70
22 Australia68 68 68
22 Scotland68 68 68
22 Malta68 68 68
22 Belgium68 68 68
22 Bermuda68 68 68
22 France68 68 68
22 Panama68 68 68
22 Portugal68 68 68
30 Wales65 65 65
30 Latvia65 65 65
30 Germany65 65 65
30 Czech Republic65 65 65
30 Poland65 65 65
30 Macau65 65 65
30 Mauritius65 65 65
30 Spain65 65 65
30 Slovenia65 65 65
30 Iceland65 65 65
40 Northern Ireland62 62 62
40 Qatar62 62 62
40 Liechtenstein62 62 62
40 Slovakia62 62 62
40 Bahamas62 62 62
40 Austria62 62 62
40 Cyprus62 62 62
40 Israel62 62 62
48 Uruguay58 58 58
48 British Virgin Islands58 58 58
50 United States55 55 55
50 Faroe Islands55 55 55
50 South Africa55 55 55
50 Andorra55 55 55
50 Malaysia55 55 55
50 San Marino55 55 55
50 Hungary55 55 55
50 U.S. Virgin Islands55 55 55
50 Puerto Rico55 55 55
50 Italy55 55 55
50 Armenia55 55 55
61 Seychelles52 52 52
61 Aruba52 52 52
61 Curacao52 52 52
61 Turks and Caicos Islands52 52 52
61 Barbados52 52 52
61 Bulgaria52 52 52
61 Romania52 52 52
61 Croatia52 52 52
61 Chinese Taipei52 52 52
61 Chile52 52 52
71 Guam50 50 50
71 Martinique50 50 50
73 Korea Republic48 48 48
73 Rwanda48 48 48
73 Réunion48 48 48
73 Serbia48 48 48
73 Sint Maarten48 48 48
73 Costa Rica48 48 48
73 Guadeloupe48 48 48
73 Greece48 48 48
81 French Guiana45 45 45
81 Brunei45 45 45
81 Saudi Arabia45 45 45
81 Kazakhstan45 45 45
81 Kenya45 45 45
81 Trinidad and Tobago45 45 45
81 Mexico45 45 45
81 Anguilla45 45 45
81 Montenegro45 45 45
81 Antigua and Barbuda45 45 45
81 Saint Kitts and Nevis45 45 45
81 El Salvador45 45 45
93 Maldives42 42 42
93 Botswana42 42 42
93 Kuwait42 42 42
93 Thailand42 42 42
93 Ukraine42 42 42
93 Oman42 42 42
93 Tahiti42 42 42
93 Azerbaijan42 42 42
93 Saint-Martin42 42 42
93 Jamaica42 42 42
93 Saint Lucia42 42 42
93 Colombia42 42 42
93 New Caledonia42 42 42
106 Brazil40 40 40
106 North Macedonia40 40 40
106 Peru40 40 40
109 Ghana38 38 38
109 Namibia38 38 38
109 Cambodia38 38 38
109 Saint Pierre and Miquelon38 38 38
109 Uzbekistan38 38 38
109 Belize38 38 38
109 Jordan38 38 38
109 Cape Verde38 38 38
109 Moldova38 38 38
109 Mongolia38 38 38
109 American Samoa38 38 38
109 Saint Vincent and the Grenadines38 38 38
109 Dominican Republic38 38 38
109 Albania38 38 38
109 Kyrgyzstan38 38 38
109 Turkey38 38 38
109 Northern Mariana Islands38 38 38
109 Ecuador38 38 38
109 Japan38 38 38
128 Kosovo35 35 35
128 Paraguay35 35 35
128 Morocco35 35 35
128 Argentina35 35 35
128 Bosnia and Herzegovina35 35 35
128 Grenada35 35 35
128 Fiji35 35 35
128 Montserrat35 35 35
128 Djibouti35 35 35
128 Dominica35 35 35
128 Indonesia35 35 35
128 Philippines35 35 35
140 Suriname32 32 32
140 Tunisia32 32 32
140 Vietnam32 32 32
140 Guatemala32 32 32
144 Senegal30 30 30
144 Ivory Coast30 30 30
144 Guyana30 30 30
147 Nigeria28 28 28
147 Swaziland28 28 28
147 Zambia28 28 28
147 Egypt28 28 28
147 Sri Lanka28 28 28
147 Uganda28 28 28
147 Tanzania28 28 28
147 India28 28 28
147 Honduras28 28 28
147 Mayotte28 28 28
157 Gabon25 25 25
157 Zanzibar25 25 25
157 Bolivia25 25 25
157 Nicaragua25 25 25
161 Belarus22 22 22
161 Gambia22 22 22
161 Benin22 22 22
161 Togo22 22 22
161 Lesotho22 22 22
161 Cameroon22 22 22
161 Bangladesh22 22 22
161 São Tomé and Príncipe22 22 22
161 Palau22 22 22
161 Samoa22 22 22
161 Tajikistan22 22 22
161 Bhutan22 22 22
161 Vanuatu22 22 22
161 Nepal22 22 22
175 China20 20 20
175 Algeria20 20 20
175 Cook Islands20 20 20
178 Burkina Faso18 18 18
178 Angola18 18 18
178 Mauritania18 18 18
178 Congo18 18 18
178 Liberia18 18 18
178 Equatorial Guinea18 18 18
178 Laos18 18 18
178 Marshall Islands18 18 18
178 Ethiopia18 18 18
178 Mozambique18 18 18
178 Malawi18 18 18
178 Pakistan18 18 18
178 Tonga18 18 18
178 Papua New Guinea18 18 18
192 Madagascar15 15 15
192 Mali15 15 15
192 Sierra Leone15 15 15
192 Guinea15 15 15
192 Zimbabwe15 15 15
192 Congo DR15 15 15
192 Russia15 15 15
192 Libya15 15 15
192 Nauru15 15 15
192 Iraq15 15 15
192 Comoros15 15 15
192 Palestine15 15 15
192 Niue15 15 15
192 Micronesia15 15 15
192 Timor-Leste15 15 15
192 Solomon Islands15 15 15
208 Guinea-Bissau12 12 12
208 Burundi12 12 12
208 Kiribati12 12 12
208 Turkmenistan12 12 12
208 Lebanon12 12 12
208 Wallis and Futuna12 12 12
208 Myanmar12 12 12
215 Niger10 10 10
215 Sudan10 10 10
215 Tuvalu10 10 10
215 Venezuela10 10 10
215 Haiti10 10 10
220 Chad8 8 8
220 Central African Republic8 8 8
220 Eritrea8 8 8
223 Yemen5 5 5
223 Syria5 5 5
223 Western Sahara5 5 5
223 South Sudan5 5 5
223 Somalia5 5 5
223 Cuba5 5 5
223 Afghanistan5 5 5
223 Iran5 5 5
231 Korea DPR2 2 2