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Wise USD Account for Non-Residents

How to get Wise USD account details (ACH and wire) without an SSN, what it costs, which countries are excluded, and how to avoid freezes.

  • Wise Wise
Last reviewed Sep 24, 2026 4 min read Easy
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Wise (formerly TransferWise) is the easiest way for most non-residents to get US account details: a routing number plus an account number that US employers, clients and platforms can pay by ACH or wire. You open it online with a passport, no SSN needed, and receiving ACH is free.

Wise is a licensed money-transmission and e-money company, not a US bank, and the details are not available in every country. Most importantly for our Chinese readers, residents of mainland China can't get Wise USD details. Check eligibility before you plan around it.

Who can get USD details

According to Wise's help centre (as of September 2026), you can't get USD account details if your address is in: Afghanistan, Bangladesh, Belarus, Burundi, Cameroon, Central African Republic, Chad, China, Congo (both), Cuba, Eritrea, Guinea-Bissau, Iran, Iraq, Libya, Myanmar, Nigeria, North Korea, Pakistan, Russia, Serbia, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Türkiye, the UAE, Ukraine, Venezuela, Yemen (and the US state of Nevada).

Also note:

  • Mainland China is not a supported country for holding balances at all.
  • Hong Kong: Wise's help centre says Hong Kong residents can only hold money in business accounts, not personal ones. Check the current status in the app.
  • Thailand: Wise says it has temporarily stopped issuing currencies and account details for customers in Thailand.
  • Taiwan, Japan, Singapore, South Korea, Philippines: listed as supported for holding money.

What counts is your residential address and verification documents, not your nationality. A Chinese citizen living in Singapore with Singapore address proof is treated as a Singapore resident.

What you get

  • USD account details: account number, ACH routing number and wire routing number. Wise details use a partner bank, and routing numbers commonly end in 3150, 9519 or 9628.
  • Swift details for receiving USD from outside the US (availability varies).
  • Balances in 40+ currencies and conversion at the mid-market rate plus a transparent fee.
  • A Wise debit card in many countries, useful for spending USD while travelling. Card availability depends on your country of residence.

Fees (as of September 2026)

ActionWise fee
Open account / monthly feeFree
Receive USD by ACHFree for personal accounts (small fee for businesses in Canada or the Netherlands)
Receive USD by domestic wire$6.11 per wire
Convert USD to another currencyVariable fee shown upfront (usually well under 1% for major pairs)
Send USD / withdraw to your home bankFixed + variable fee shown before you confirm
Card ATM withdrawalsA few free each month, then a fee (depends on country)

In some regions Wise may require a one-time fee or a first top-up before it issues account details. Check the pricing page for your country, because these numbers change.

Step-by-step: getting USD details

  1. Sign up at wise.com or in the app with your email, country of residence and phone number.
  2. Verify your identity: upload your passport or national ID, take a selfie, and provide proof of address if asked (a bank statement or utility bill that's recent and in your name).
  3. Open a USD balance: go to Balances → Open → USD.
  4. Get account details: tap Account details → USD. If prompted, complete extra verification or the activation step.
  5. Share the right details: give payers the ACH routing number for ACH and direct deposit, the wire routing number for domestic wires, and Swift for international wires.
  6. Test with a small payment before giving the details to a big client or platform.

Using it well

Good uses

  • Freelance invoices to US clients.
  • Payouts from platforms that support Wise USD details (many do, but a few insist on a "real bank").
  • Holding USD and spending it with the Wise card.
  • Sending your USD home at a transparent rate.

Limitations

  • Not a bank. Some US services (certain brokerages, government agencies, some payroll systems) reject Wise routing numbers or can't pull money (ACH debit) from it.
  • No credit history. Wise doesn't report to US credit bureaus.
  • No cheques and no cash deposits.
  • Business income on a personal account can trigger a review. If you invoice as a company, use Wise Business. See business banking.

Why accounts get restricted

  • The payer is a third party, or payments are unrelated to what you told Wise (for example, money received for other people).
  • Links to gambling, crypto OTC trading, or other restricted industries.
  • Mismatched names: incoming payments should be in your name (or your company's, for Wise Business).
  • Inconsistent country, IP address and documents.
  • Not replying to Wise's requests for source-of-funds documents.

Alternatives if Wise isn't available to you

Sources

Information only — not financial, legal or tax advice. Products and policies change often; always confirm on the official site before applying.

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