Which ITIN debit cards work outside the US?

Wise Multi-Currency Debit Card and Capital One 360 Debit have the broadest international acceptance and lowest foreign transaction fees. Bank of America and Wells Fargo debit cards work internationally but charge 3% foreign transaction fees. Mercury and Relay debit cards work internationally with no fees on certain tiers.

How fast can I get a debit card with my ITIN?

Online-first banks (Capital One, Wise, Mercury, Relay) ship cards within 7-10 business days of account opening. Branch banks (Bank of America, Wells Fargo, TD Bank) typically issue an instant-issue temporary card at the branch on opening day, with the permanent card arriving by mail 7-10 days later.

Do ITIN debit cards work for online purchases and subscriptions?

Yes. ITIN-issued debit cards work identically to SSN-issued cards: online purchases, subscription billing, recurring auto-pay, Apple Pay, Google Pay, and all standard merchant categories. The card issuer does not flag the ITIN status during normal transactions.

Can I get a prepaid debit card without a US bank account?

Yes. Netspend, PayPal Prepaid, Cash App Cash Card, and Brink's Money all issue prepaid debit cards to ITIN holders without requiring a traditional bank account. Prepaid cards have lower limits and higher fees than bank-issued debit cards but require less verification.

Updated June 25, 2026

Debit Card with ITIN: Options for Non-Residents (2026)

What Debit Cards Are Available with an ITIN?

Issuer	Account Type	Foreign Tx Fee
Capital One 360 Debit	Personal checking	0%
Wise Multi-Currency	Personal multi-currency	0% (mid-market)
Bank of America Advantage	Personal checking	3%
Wells Fargo Everyday	Personal checking	3%
Mercury	Business (LLC)	0-1%
Cash App Cash Card	Cash App	N/A (US-only)

How Do I Get a Debit Card with My ITIN?

Open an ITIN-eligible bank account. See the ITIN bank account guide.
Provide the CP565 letter and passport during account opening.
Request the debit card. Standard with every new checking account.
Activate on receipt. Mobile app or phone call activates the card; PIN is set during the same step.

When Is a Prepaid Debit Card Better Than a Bank Debit Card?

Prepaid cards (Netspend, PayPal Prepaid, Brink's Money) are faster to obtain — some ship same-day or are issued instantly at a retail counter. They do not require opening a bank account. The trade-offs are higher fees (monthly $0-$10, ATM $2-$3, reload $0-$5) and lower limits ($5,000 typical ceiling). Prepaid is a stopgap; a bank debit card is cheaper long term.

How Does an ITIN Debit Card Compare to an ITIN Credit Card?

A debit card draws from the user's own account balance and does not build credit. A credit card borrows from the issuer and reports activity to the credit bureaus. For day-to-day spending, the debit card has no interest cost. For credit-building, only a credit card works. See ITIN credit cards.

Frequently Asked Questions About ITIN Debit Cards

Yes. Any US bank account opened with an ITIN ships with a debit card. Capital One 360 Checking, Bank of America Advantage, Wells Fargo Everyday Checking, TD Convenience Checking, Wise USD account, Mercury (LLC), and Relay (LLC) all issue Visa or Mastercard debit cards to ITIN-verified accounts.

Need an ITIN to get a debit card? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.