Revolut, a leading global digital bank, now offers streamlined access for Chinese residents: open a Revolut US account online with just an ITIN (US Individual Tax ID). No monthly fees, no minimum balance, supporting 30+ currencies with physical/virtual cards. This guide walks you through the 8-minute process, including ITIN tips and bonus redemption.
1. Why Revolut? 3 Core Advantages
✅ No SSN, Low Barrier Entry
Apply with ITIN (or US visa for non-ITIN holders) – no need for a Social Security Number
Visit referral link, select US area code +1, enter your US phone number, and verify with the 6-digit OTP.
❷ Fill Basic Info (2 mins)
Name/Birthday: Use pinyin (first name + last name), input exact birth date
Address: Use a US virtual address (recommended: Anytimemailbox)
Email/Terms: Link your email and accept service agreements
❸ Tax & Identity Verification (3 mins)
ITIN Entry: Input your ITIN (or choose “US visa” and upload visa/passport pages)
Biometric Check: Photograph your passport data page and record a 3-second head-turn video
❹ Set Up Security (1 min)
6-Digit Passcode: Create login PIN, enable Touch ID/Face ID for quick access
Revtag: Customize your user ID for easy peer-to-peer payments
❺ Activate & Order Card (1 min)
Fund Account: Transfer funds via Wise/US bank account
Physical Card: Pay $2.99 and ship to your Chinese address (10-day delivery)
4. Account Features & Usage Guide
1. Multi-Currency Management
Convert between 30+ currencies in real-time, track exchange gains/losses on the dashboard
Use the “Exchange” feature to lock rates for upcoming international transfers
2. Payment Methods Comparison
Type
Benefits
Use Cases
Costs
Virtual
Free, disposable
Online shopping/subscriptions
$0 issuance fee
Physical
In-person/ATM use
Global stores/ATMs
$2.99 card fee, monthly free withdrawal limit
3. Funding & Withdrawal
Deposit: Link US bank accounts (instant) or Wise (1-2 business days)
Withdraw: Wire to Chinese banks within $50,000 annual forex quota
5. FAQs & Pitfalls to Avoid
❓ Q1：Can I apply without an ITIN? ✅ Yes, using a valid US visa (e.g., B1/B2) and address proof, though approval rates are lower. Apply for ITIN first (guide here) for higher success.
❓ Q2：Will my Chinese address get the physical card? ✅ Yes – use pinyin + postal code, avoid special characters (Shenzhen/Shanghai addresses tested with 100% delivery).
❓ Q3：How to claim the $50 bonus? ✅ Complete within 30 days: ① Add funds ② Order a physical card ③ Make 3 purchases of $10+ (online/offline).
6. Revolut vs Traditional Banks: A Side-by-Side
Feature
Revolut US
US Brick-and-Mortar
Chinese Cross-Border
Entry Reqs
ITIN/US visa
SSN+address proof
High deposit requirement
Fees
$0 monthly
$25-$50 monthly
$15-$30 intermediary fees
Currencies
30+ currencies
1-2 major currencies
USD/HKD only
Card Types
Physical+virtual+disposable
Physical only
No virtual cards
7. Conclusion: 3 Steps to Global Banking
Prepare: Get ITIN (or US visa) + rent a US virtual address
Apply: 8-minute online process, use referral link for $50 bonus
Activate: Fund your account, order a card, and start global transactions
Revolut simplifies cross-border finance for investors, students, and shoppers. Follow this guide to navigate address verification and identity checks, and unlock your first low-barrier overseas digital bank account today!
Libre Depot original article,Publisher:Libre Depot，Please indicate the source when reprinting:https://www.libredepot.top/525.html
