How To Get A US Virtual Bank Account: 5 Easy Steps and All You Need to Know

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Having a bank account in the United States is necessary if you are in the internet business world. Suppose you are not based in the US. In that case, you’ll need to learn how to get a US virtual bank account for non-residents, whether you’re a solitary business owner, own an eCommerce store, are a blogger, an affiliate marketer promoting programs like ClickFunnels, or a freelancer working on sites like LanceBase or Freelancer.

You’ll need to open an American bank account online if you wish to accept payments from US-based companies or foreign companies that require a direct deposit into US bank accounts.

The true problem arises if you are a non-resident of the US. To establish a bank account in the United States, you must be in the country. However, it is possible to create a US bank account without being physically present in the country, as I shall explain in this article. These accounts created without being physically present are called “virtual accounts.”

Why Open an Online Bank Account?

I recommend reading the following arguments for those who aren’t convinced why they should create a bank account online (instead of going to the bank).

Suppose you are a freelancer, a blogger, a marketer, or an internet merchant. In that case, you’ll want to open an online bank account.

It’s possible you’d want to sell your goods in the United States, work with organizations like ClickBank, Amazon, and, or get your Adsense revenue more rapidly from the United States.

A freelancer who works on sites like is likely to have a lot of time on their hands. On and UpWork, you may wish to have your online revenue headaches taken care of.

Getting a check from the US or European company might take weeks or even months if you live in Nigeria or other countries like India or Pakistan.  

However, if you open an American bank account online, you may accelerate the process of getting funds. Additionally, many US businesses prefer to make payments to their employees through bank transfers to addresses in the United States. It’s as easy as that!

How To Get A US Virtual Bank Account For Non Residents

You may create a US virtual bank account even if you’re not a US resident if you live in Nigeria, India, Singapore, Hong Kong, the United Arab Emirates,  or any other nation on the globe. All you have to do is sign up for a Payoneer account to get started.

Payoneer was initiated in 2005 by Yuval Tal. It is a virtual bank account that allows you to send money online, make digital payments, and have a virtual bank account in the United States. People who have a Payoneer account can send and receive money from other people for free. 

It doesn’t matter if you live outside of the United States. You can still get money from companies that pay through Payoneer, even if you aren’t a US citizen.

With Payoneer, you can create an account with a bank in the United States and accept payments from clients and users anywhere they may be in the world. 

Payoneer also offers prepaid MasterCard that may be used at ATMs, stores, or other platforms where online payment is accepted. Payoneer also offers non-residents a virtual US debit card. Perhaps one of the best virtual US bank accounts with debit cards available for  US non-residents.

Steps for Registering with Payoneer

Below are some of the things you need to open a Payoneer account.

1. Your full legal name.

2. Your email address 

3. Your home address. This should be your correct home address because this is where your card will be mailed to.

4. Date of Birth

5. Your contact information

6. A government-issued ID

Below are the steps you need to take to open a Payoneer account

1. Visit Payoneers official website.

2. On the website, go to the register option.

3. On the home page, click the “Register” button.

4. Fill out the registration form as best you can, and ensure you’re giving out truthful information.

5. Your email address will be verified. Check your email and click on the link to verify your account.

Once you’ve completed the above steps, you have your virtual account with a routing number ready to use!

You should expect Payoneer to validate your information in two to three business days. Account holders of Payoneer may be asked to provide additional documentation in certain cases. 

If you request a card, the debit card you get from Payoneer will be sent to your address.  

What is a routing number?

There is a set of 9-digit codes used by financial institutions called routing numbers.

These routing number is used for identifying other financial institutions. This routing number is also known as an RTN (routing transit number) and ABA (American Bankers Association) routing number. This set of digits enables institutions to find your account.

Does Payoneer Come with a Routing Number

If you want a virtual bank account with a routing number, you can have one once you create your Payoneer account. Payoneer is a virtual bank account that automatically comes with a routing number.

You may follow these procedures to receive your 9-digit Routing Number.

1. Log in to Payoneer.

2. Navigate to the “Receive” menu and click on “Global Payment Service.”

3. This is where you’ll find your Payoneer Routing Number and other important information.

What is the Difference Between a Routing Number and an Account Number?

In order to make an online check order or make a direct deposit for your paycheck, you’ll need your bank’s routing number as well as your account number.

Account numbers are similar to a customer ID or fingerprint and are unique to each account holder. The purpose of allocating a routing and account number is to pinpoint the origin and destination of a transaction. Routing numbers, on the other hand, give each bank a unique numerical ID. When making an electronic money transfer, for example, financial institutions need to provide the routing and account numbers.

You can identify routing and account numbers based on their length. Routing numbers usually have 9 digits, while account numbers are usually between 8 to 12 digits.

Routing Number

In the United States, banks use a nine-digit code called a routing number (or ABA routing number, for American Bankers Association) to identify individual financial organizations. This identifies the bank as a federally or legally chartered institution having a Federal Reserve account.

ABA routing numbers used to be used with paper checks, while ACH routing numbers were related to electronic transactions and withdrawals on accounts. But now, banks can simply rely on one routing number for all transactions whether it is electronic or on paper.

Large international banks, on the other hand, may have a number of routing numbers, some specific to the state in which you have an account. Routing numbers are usually needed for reordering checks, payment of consumer bills, making tax payments, or making direct deposits.

Account Number

Both the routing number and the account number are used in tandem with one another. Your routing number indicates the name of the financial institution, but your account number identifies the account you have with that institution. It’s usually the same if you have two separate accounts at the same bank. The routing numbers for both accounts will be the same, but the account numbers for each will be different.

While anybody may get a bank’s routing number, your account number is personal and should be secured.

Does Payoneer Come with an Account Number?

Payoneer’s account number can also be referred to as the customer ID.  This is the Payoneer identification number connected to your account.

However, this number is not just for show. The number serves a purpose and has advantages. It is connected to every user account on the system for a purpose. This number will be very useful if you have any issues with your platform account. It will help Payoneer’s customer care easily find your account on the system and serve you faster.

A Payoneer account is all you need to get your own personal Payoneer account number. Suppose you are a registered user on the platform or are already an account holder. In that case, you will be granted your own account number.

In contrast, if you don’t have an account, you won’t be able to use the platform with your own unique account number. As a result, you’ll need to register a Payoneer account on the site in order to get your personal account number.

Creating an account with Payoneer is quite straightforward yet technical. If you’ve never used the platform before or don’t know how to make an account, you can simply follow the steps motioned above, and you’ll have your own account in no time.

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