Almost from the moment it was announced that PayPal payment became possible for CIS citizens, I began to look for the possibility of opening an account in the US for a non-resident. But here everything turned out to be much more interesting than it seemed at first glance, because on the one hand, opening a bank account in the USA is extremely simple, and on the other, practically impossible.
To begin with, any person can open a bank account in the USA for a non-resident; for this, it is enough for him to fly to New York, since the cheapest air tickets from all the States are sold there, and present an identity card. But in any case, this procedure will cost> 15k rubles and a visa costing about 3k. You will also have to spend about 12 hours on the flight, and there, too, there will be no hotels at the zhrachka-vshatatnaden, so you need to rely on 2-3k greens.
Another option is to apply remotely to an American bank, but here it should be noted that after a series of terrorist attacks of September 11, for which the Americans have been jabbering for almost 10 years, despite the fact that a thousand times it was proved that they were carried out by their own special services; so in connection with these historical events, there is a law in the states of September 11, according to which the bank is obliged to verify the identity of the non-resident who opens a bank account.
But since the United States is inherently a country of double standards, which is expressed absolutely in everything, the account can still be opened remotely, but it will have to be charged at $ 3k and will cost $ 40-50 a month, which actually goes even more than turn into US to open an account.
Having rummaged in financial forums where people from Europe were crying about opening an account in America, although not in the key of withdrawing funds from PayPal, I discovered that I can confirm my identity through a local branch of any American bank, but Citi was not mentioned once, that which is legally a different legal entity in relation to the central office may nevertheless contribute to the opening. With this information, I went to the Moscow branch of Citi Bank, where they told me that they would not confirm my identity, but they could open an account for me in the USA themselves. To do this, I just need to make a deposit of 100k !!!!! dead american presidents. And yes, the subscriber for maintaining this account will be about 100 bucks a month. Having consulted on the mental inferiority of the Russian sharaga under the guise of the largest state bank, I went home, where I rewrote about a dozen American banks that could possibly help me. After that, he started to call them. Everywhere I was told the same thing, and we have no opportunity. The appeal to the American bank Vachovia, which was mixed up in scandals with Colombian drug barons, and which the bank, collector armored cars, delivered money to Mexico, because the Colombians could not enter the United States under the risk of being arrested did not help. Find bank locations and information about open hours at the bankhotlist.com
After that, I was despondent and decided to check the possibility of withdrawing money from PayPal through investment companies like forex, but all the brokers that I could find either opened an account in Europe or did not provide an opportunity to replenish an account with PayPal.
Then I had to order my Payoneer card, which I issued through the Forex broker Admiral Markets, although it can be ordered through any affiliate money withdrawal including Payoneer. One feature of the card is that with the first installment it will stay at ~ $ 20. Withdrawing money from PayPal to it becomes possible after you make three withdrawals from an affiliate program, and as I understand from a separate statement. The card came to me within 30 days, but due to the fact that I do not have affiliate programs that would not be withdrawn by check or directly to Payoneer, I did not activate the actual card. Only later did I find out that it was possible to start Payoneer Webmoney, which can be ordered via Webmoney, for the withdrawal of WMZ, and also to display on it from PayPal.
But by this time I had already found the exits to the American payment system netSpend, which has the right to issue my own debit cards and link them to bank accounts in partner banks located in the USA. The most interesting thing is that I addressed them directly, even during the period of the independent search for the bank, but they were sent by them, for the aforementioned reason 11.09. Actually, then I found in the states, through the old channels, quite frisky kids who contributed to the opening of the card, and at the moment started the service of opening a bank account in the USA for the CIS countries, on us-debit-card.com, through which you can already open an account and get a plastic card. The main point was that when opening an account, you must provide the US address where the card will be sent, so the guys get the card and send it to the final recipient. As a result, I opened a bank account and straightened a plastic card, which I received by airmail, after 3 weeks (since it turned out to be at 31.12, then I could only pick it up 11.01). Judging by the tariffs laid out on the netSpend website, this card is more economical than Webonean Payoneer, since the subscriber is essentially the same, the opening fee is somewhat higher, but the commissions are not based on%, but on fix, so it makes sense shoot large amounts. Moreover, it can also be attached to your Webmoney account.for the withdrawal of WMZ (although the Webmoney withdrawal rates offered by Vebmaney are completely crooked). Comparing the fees for withdrawals and transfers, all the same the most profitable ways to withdraw money from Webmoney, still remain “Ocean Bank” and “AlfaBank”.
Actually, I would like to talk about Webmoney separately, since wmz is not quite expensive to print to a non-native card, because in addition to a percentage, Webmoney also charges additional fixes in the amount of $ 11 for a bank transfer + 0.6%, and $ 8 for adding funds to the card, if 0.6% less than this amount. At the same time, the limit of a one-time withdrawal to a card issued by a US bank is $ 1000, that is, in any case, $ 8 + 0.8% is paid when withdrawing; The limit of withdrawal to a bank account ranges from $ 5k to $ 10k. It should be noted here that following the results of the consultation with the people who made the card for me, it turned out that the card has a limit on the balance - not more than $ 5000. But on the other hand, when you withdraw WMZ to an American account, you clearly know that if something happens, the bank will not drain you, so it’s worth thinking about.
Since while I was waiting for the card, I ran out of funds on my PayPal account, now I am waiting for the next payment from affiliate programs in order to verify the withdrawal of funds from PayPal, but it’s written in a bank account that the withdrawal of funds is free, within 2-3 days. Yes, by the way, it should be noted that the American deposit insurance system FDIC extends to the office, and the office itself already has more than ten years of history, and is located on the NASDAQ.
