Virtual US Bank Accounts Can Be Created From Pakistan

 

Creating a virtual U.S. bank account as a freelancer in Pakistan with our our without LLC opens up new opportunities to receive payments in USD, manage finances efficiently, and access international clients with ease. Numerous fintech solutions, virtual banks, and global payment services cater to freelancers outside the U.S., providing them with account services even if they don’t have a physical presence or address in the United States. Here’s an in-depth look at 20 virtual banks and payment services that may offer virtual U.S. bank accounts or USD receiving accounts for Pakistani freelancers.

US Bank Account Operated from Pakistan

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1. Payoneer

Payoneer (https://www.payoneer.com) is one of the most popular solutions for freelancers worldwide especially Pakistani Freelancers, offering a virtual USD receiving account. Freelancers can receive payments from clients, marketplaces, and global companies and then withdraw them to a local bank account in Pakistan. The platform is renowned for its user-friendly interface and broad accessibility.  US Bank Account can be registered from Pakistan easily.

2. Wise (formerly TransferWise)

Wise (https://wise.com) provides a multi-currency account known as the Borderless Account, which includes USD bank details. Freelancers can hold, receive, and convert money between multiple currencies, making it ideal for international transactions with low conversion fees. Non-us citizens can easily open US bank account using Wise.

3. Revolut

Revolut (https://www.revolut.com) offers a multi-currency virtual account with USD and several other currencies. While Revolut has primarily been available in Europe, its services are expanding globally. Pakistani freelancers can check its availability to confirm access to their services.

4. Mercury

Mercury (https://mercury.com) is an online bank designed specifically for entrepreneurs and startups. It offers U.S. business checking accounts and other banking features like virtual cards and integrations with various financial tools. Freelancers with registered businesses may find this a practical choice. Pakistan is now limited with this service.

5. N26

N26 (https://n26.com) is another digital bank known for its ease of use, mobile-first platform, and low fees. Though primarily operating in Europe and the U.S., Pakistani freelancers can explore access through partnerships or future expansions.

6. Paysera

Paysera (https://www.paysera.com) offers a multi-currency account, making it suitable for global freelancers. While the primary focus is on the EU, it provides USD accounts that are accessible to certain international customers.

7. WorldFirst

WorldFirst (https://www.worldfirst.com) provides virtual bank accounts in various currencies, including USD, primarily for businesses and freelancers working with international clients. It offers cross-border payments with competitive fees and exchange rates.

8. Zolve

Zolve (https://zolve.com) caters to international freelancers and remote workers by offering virtual U.S. bank accounts and credit cards without requiring a U.S. address. This is a valuable option for Pakistani freelancers in need of U.S. banking features.

9. Starling Bank

Starling Bank (https://www.starlingbank.com) is a UK-based digital bank with international transfer support and multi-currency accounts. While it is expanding its services, freelancers should check for updates on access from Pakistan.

10. Skrill

Skrill (https://www.skrill.com) functions as an e-wallet but provides a USD receiving account and virtual payments. This option is particularly suitable for freelancers, as it supports numerous global payment integrations.

11. Stripe Atlas

Stripe Atlas (https://stripe.com/atlas) helps freelancers set up a U.S. business entity and bank account through its program. While it’s mainly for business purposes, it’s an excellent choice for Pakistani freelancers looking to establish a professional setup.

12. Ally Bank

Ally Bank (https://www.ally.com) is a full-service online bank that offers savings and checking accounts with good interest rates. Although it typically requires a U.S. address, certain workarounds, such as VPNs, may provide access.

13. Oxygen Bank

Oxygen (https://oxygen.us) targets freelancers and small business owners, offering virtual accounts, digital tools, and a mobile-friendly platform. It’s a good fit for freelancers in need of U.S.-based banking. Pakistanis can open easily open US bank account and get an account number.

14. Novo Bank

Novo (https://banknovo.com) is a U.S.-based digital bank designed for freelancers, startups, and small business owners. Novo’s integrations with PayPal, Stripe, and QuickBooks make it ideal for managing freelance finances.

15. Aspiration

Aspiration (https://www.aspiration.com) is a socially conscious bank based in the U.S. Though primarily for U.S. residents, it’s worth exploring for its sustainable banking options and digital account features.  This bank has very limited service from Pakistanis to open a bank account in US but it is still an option for future so bookmark it.

16. Chime

Chime (https://www.chime.com) is a mobile-first bank known for its convenient services and fee-free structure. However, it typically requires a U.S. address, so access may be limited for Pakistani freelancers.  Using an LLC and virtual address can solve this problem but I have not tested it so not sure for how long.

17. Remitly Passbook

Remitly Passbook (https://www.remitly.com) caters to immigrants and international freelancers, offering digital banking features and USD accounts. With valid ID, freelancers can access essential banking features.

18. CitiBank Global Wallet

CitiBank’s Global Wallet (https://www.citi.com) enables freelancers to hold multiple currencies, including USD. If you have a CitiBank account, the Global Wallet provides a seamless way to manage international payments.

19. Relay Financial

Relay (https://relayfi.com) provides digital banking solutions for freelancers and small businesses. The platform integrates easily with financial tools, making it useful for invoicing and tracking payments.

20. Sable

Sable (https://sablecard.com) is focused on providing U.S. bank accounts and credit cards to international users, including freelancers. It has fewer restrictions and is designed to accommodate non-U.S. residents.

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When choosing a virtual bank or payment provider, consider factors like fees, currency conversion rates, available banking features, and the provider's specific requirements for international users. It’s important to confirm each provider’s availability in Pakistan, as some services may have restrictions or require additional documentation. By selecting a suitable provider, Pakistani freelancers can enjoy the benefits of a U.S. virtual bank account, enhancing their financial management and ease of doing business with U.S.-based clients.

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