How to Open a Global Bank Account in 2026 — Step-by-Step

Opening a global bank account used to require branch visits, notarised documents, and weeks of waiting. With digital banks in 2026, the entire process takes under 10 minutes on your phone. Here's exactly what to expect.

What You'll Need

All global digital banks require:

Government-issued photo ID — passport, national ID card, or driving licence

Proof of address — utility bill, bank statement, or government letter (under 3 months old). Some digital banks skip this requirement entirely.

Selfie verification — the app uses AI to match your face to your ID document in real time

Phone number — for 2FA and account verification

Some banks (Citibank, HSBC) require additional documentation for premium accounts: source of funds declaration, employment verification, or proof of minimum deposit.

The Opening Process — Digital Banks

Step 1: Download the app and tap "Open Account."

Step 2: Enter your personal details — name, date of birth, address, nationality.

Step 3: Upload your ID. The AI reads the document automatically — no manual data entry.

Step 4: Complete face verification. Hold your phone steady, follow the prompts. Takes under 60 seconds.

Step 5: Answer compliance questions — source of funds, intended account use. Required by anti-money-laundering law.

Step 6: Account approved. Card ordered. Usually same day.

Revolut and N26 complete this process in under 8 minutes on average. Wise takes slightly longer due to more thorough compliance checks.

Non-Resident Bank Accounts

Opening a bank account in a country where you don't reside is more complex. Traditional banks typically require residency. Digital alternatives are more flexible:

Wise: Accepts customers from 175+ countries. No residency requirement for a multi-currency account.

Revolut: Available in 30+ countries. Accepts non-residents for standard accounts in most jurisdictions.

HSBC Expat: Specifically designed for non-residents. Accounts in USD, EUR, GBP. No country residency required.

After Opening

Enable biometric authentication immediately. Set up instant transaction notifications. Add your card to Apple Pay or Google Pay for faster payments. Set up any automatic savings features before you start spending — it's easier to maintain than to establish later.

Reviewed by Thomas & Øyvind — NorwegianSpark | Last updated April 2026