Can I use Wise to receive US payments with an ITIN?

Yes. Once the Wise account is verified with the ITIN, the user receives US account details (a US routing number and account number) usable for ACH deposits, payroll, Stripe payouts, Amazon Seller Central, and most US payment platforms. The funds settle into the Wise USD balance.

Do I need a US address to open Wise with an ITIN?

No. Wise allows non-US-resident accounts to be verified with a foreign address. The ITIN itself is sufficient as the US taxpayer identifier; a US address is not required to open the account or receive US account details. Some country combinations require additional ID checks.

Is Wise the same as a US bank for ITIN holders?

No. Wise is an Electronic Money Institution, not a US bank. USD held in a Wise balance is custodied by partner banks and held in segregated accounts; FDIC pass-through protection is available through specific partner programs. Wise issues a Visa or Mastercard debit card for spending, but it is not a deposit account in the traditional sense.

What fees does Wise charge ITIN-verified users?

Wise charges no monthly fee. Currency conversions cost the mid-market rate plus a transparent fee (typically 0.4% to 0.6%). ATM withdrawals are free up to a monthly threshold; the Wise debit card costs $9 one-time for US-issued cards. Receiving USD via the US account details is free.

Updated June 25, 2026

Wise with ITIN: Can Non-Residents Use Wise? (2026)

What Does "Wise with ITIN" Actually Unlock?

Wise gives ITIN-verified users US account details: a US routing number, a US account number, and the ability to receive USD via ACH from any US payer. The account behaves like a US bank account for the limited purpose of receiving inbound USD. Common use cases include Stripe payouts to LLCs, Amazon Seller Central disbursements, freelance income from US clients on Upwork or Fiverr, and remote payroll for non-US contractors.

How Do I Verify Wise with an ITIN?

Open a Wise account. Sign up at wise.com with email and password. Choose the personal or business account type.
Verify identity.Wise asks for a government photo ID (passport, driver's license, or national ID) uploaded through the in-app verification flow.
Activate US account details.Go to the USD balance, tap "Get US account details," and follow the prompts to add a US taxpayer identifier.
Enter the ITIN. Wise accepts the 9-digit ITIN in the SSN field on the W-9 (Substitute) form generated in-app.
Confirm and receive details. The US routing number, account number, and wire/ACH instructions appear in the account immediately on approval.

What Does Wise Do with the ITIN?

Wise uses the ITIN to satisfy IRS reporting requirements for US-style accounts. When the account exceeds reporting thresholds ($600 in payment-card transactions or third-party network payments under current IRS rules), Wise issues Form 1099-K with the ITIN on it. The ITIN is also used on Form W-9 (Substitute) to certify the customer is not subject to backup withholding.

For broader US tax filing rules, see ITIN tax return.

Where Does Wise Fit Among ITIN Banking Options?

Use Case	Best Fit
Receive USD payments from US clients (personal)	Wise
US LLC business banking	Mercury or Relay
US-resident daily banking	Bank of America or Wells Fargo (in-branch)
Receive payments via PayPal	Wise + PayPal

For all ITIN banking options compared, see the ITIN bank account guide. For PayPal-specific setup, see ITIN for PayPal.

What Are the Limits of Wise with an ITIN?

Not a US bank. Wise is an Electronic Money Institution. USD is held by partner banks under specific FDIC pass-through programs.
No US credit card. Wise issues only debit cards; no credit line is offered.
No physical US presence. No branches, no in-person support.
Reporting thresholds apply. Wise issues 1099-K forms above the IRS payment-platform threshold.

Frequently Asked Questions About Wise and ITIN

Yes. Wise accepts an ITIN in place of an SSN to verify a US-resident account. The ITIN is required only when the customer requests US account details (a US routing and account number) or a USD balance over the IRS reporting threshold. Wise then files Form 1099-K when applicable.

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