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Open a US Bank account from India - No ITIN or SSN Required

Hello everyone,
If you are a freelancer, a remote worker, or you receive payment in USD to your Indian account, then you are losing markup fees because of the transfer (currency exchange).
Do you know that you can open a real US bank account, receive payment directly to that account, and hold your money in USD?
Yes, it's absolutely possible. As an Indian, you can open a digital US bank account using your Indian passport.
No SSN or ITIN is required.
As you all know, you cannot open a traditional US bank account without visiting the country physically. So I'm talking about a digital bank account, a fully functional, proper US bank account with all the features you get from a traditional bank and the same level of security. Your money will be insured by the FDIC up to $250,000.

I'm talking about the Utoppia digital bank account; its banking services are provided by Synapse Brokerage LLC, a registered broker-dealer and member of SIPC, and Lineage Bank, a member of the FDIC (accounts are provided by Synapse Brokerage LLC, and the deposits are held with Lineage Bank, Member FDIC).
Utoppia is just like a Fi/Niyo bank account.

Eligibility Criteria-
Anyone from the listed countries can open a Utoppia Bank account.
🇦🇷 🇦🇺 🇦🇹 🇧🇪 🇧🇷 🇨🇦 🇨🇿 🇨🇱 🇨🇴 🇩🇰 🇫🇮 🇫🇷 🇩🇪 🇮🇳 🇮🇪 🇮🇹 🇱🇺 🇲🇾 🇲🇽 🇳🇱 🇳🇿 🇳🇴 🇵🇹 🇸🇬 🇸🇰 🇿🇦 🇪🇸 🇸🇪 🇨🇭 🇬🇧 🇺🇸 🇻🇳
The minimum age requirement is 18 years old.

Document- Passport

How To Open-

Just click on the link here - https://utoppia.onelink.me/eWMt/TechnoFino
Download the app and open your US bank account within 10 minutes. All you need is your passport.

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Benefits-
Zero maintenance US bank account
Free virtual debit card. You can add the virtual debit card to your Apple Pay (you must change your iPhone's region to US from India to use this feature).
Free instant money between one Utoppia and another Utoppia bank account
Wire transfer feature
ACH transfer feature
FDIC Insurance ($250,000)

This is the first and very important step you have to complete if you want to hold a US credit card in the future. You need a US bank account to pay your card bill.
***Consult your CA if you have any questions related to taxation.
 
Btw to folks who do not want to spend too much on US number,

I got a US number for around 20 usd a year from sonetel. They will forward call to my india number charging me around 3cent per minute (so not very expensive and on need basis). SMS comes to my email instantly.
Got a Skype account and credits for outgoing call and put this US no. there in caller id and now my skype voip call shows as US number to the receiver (and to automated systems as well). 1.1 cent per minute to US number and toll free numbers like one from amex are honoured as well and not charged.
 
Btw to folks who do not want to spend too much on US number,

I got a US number for around 20 usd a year from sonetel. They will forward call to my india number charging me around 3cent per minute (so not very expensive and on need basis). SMS comes to my email instantly.
Got a Skype account and credits for outgoing call and put this US no. there in caller id and now my skype voip call shows as US number to the receiver (and to automated systems as well). 1.1 cent per minute to US number and toll free numbers like one from amex are honoured as well and not charged.
Hi, Can you please explain more in detail ? This will help me.
 
Hey guys, is it possible to open any USA personal Checking/Savings account now?
I am in crucial need of one to obtain Credit Cards in the US, recently received my ITIN
 
What do folks mostly use foreign currency accounts for? I mean I usually do shopping on my CC and travel on my forex card - is there something I'm missing here?
 
What do folks mostly use foreign currency accounts for? I mean I usually do shopping on my CC and travel on my forex card - is there something I'm missing here?
Many people have business or US clients , they can directly pay in USD in the US Bank account,

See Mandal's original post
 
Actually it’s not even working now. They seem to be looking for a new partner to onboard new users.
 
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