Best Int’l Banks With Branches Worldwide | Digital Nomads & Expats

In this post we’ll go over the best international banks with branches worldwide.

If you’re living and working abroad, or you travel often, you’ll want to consider an international bank account with a wide network of physical branches. Having a brick-and-mortar location to go to for your banking needs has its perks. You can easily deposit funds, avoid expensive foreign transaction fees, and ask detailed questions in person.

READ MORE: WELCOME OFFERS FROM CHASE AND BMO.

Other banking guides for expats, digital nomads and those traveling internationally:

• Best Bank Accounts For Overseas Digital Nomads & Expats
• Best Banking & Money Transfer Services Internationally

HSBC

See bonus offers from HSBC Bank here

HSBC’s international physical presence is massive, with approximately 4,000 branches and offices in 65 countries and territories around the world. The bank provides several globetrotter-friendly services, including the ability to send money via wire transfer fee-free as well as move funds between HSBC accounts in multiple countries. If you’re relocating to another country, they’ll even let you open an account before you arrive.

HSBC Bank Premier Checking accountholders enjoy:

• No annual fees.
• No ATM fees worldwide.
• No foreign transaction fees.
• Up to 10 different currencies in your account, with no currency exchange markup.
• Apple Pay and Google Pay compatibility.
• Emergency cash up to $10,000, should your wallet be lost or stolen.
• Premier customer support 24/7.

To qualify for the Premier account, you must:

• Maintain a minimum balance of $75,000 in linked accounts with the bank, or
• Have monthly third-party direct deposits of at least $5,000, or
• An HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000.

HSBC Bonus: $500 Premier Checking Account Offer

• What you’ll get: $500 bonus
• Where it’s available: Offer only available online, nationwide.
• How to earn it:
  • Get a $500 Welcome Deposit for eligible new customers who open an HSBC Premier checking account with qualifying activities.
  • Member FDIC.
• About:
  • Receive a $500 Welcome Deposit when you open your account by February 15, 2023 and complete qualifying activities
  • Free International account opening and portable credit history
  • No fees for Global Transfers between eligible HSBC accounts worldwide
  • Convert, hold and send money abroad with no transfer fees with our Global Money account
  • No foreign transaction fees using your Premier debit or credit card
  • No U.S. HSBC ATM fees worldwide
• When it expires: 2/15/2023

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. The information, including rates and fees, presented in the review is accurate as of the date of the review. Please refer to issuer website and application for the most current information.

If you don’t meet Premier qualifications, then you should look into opening an HSBC Bank Advance Checking account, which features surcharge-free HSBC ATM withdrawals and up to four non-HSBC ATM rebates every month.

HSBC International Branches

REGION	COUNTRIES WITH HSBC BRANCHES
North & Latin America	Argentina, Bermuda, Brazil, Canada, Chile, Colombia, Mexico, Panama, Peru, United States, Uruguay, Virgin Islands
Europe	Armenia, Austria, Belgium, Channel Islands, Czech Republic, France, Germany, Greece, Ireland, Isle of Man, Italy, Luxembourg, Malta, Monaco, Netherlands, Poland, Russia, Portugal, Spain, Sweden, Switzerland
Africa & Middle East	Algeria, Bahrain, Egypt, Israel, Kuwait, Lebanon, Libya, Mauritius, Morocco, Nigeria, Oman, Palestine, Qatar, Saudi Arabia, South Africa, UAE
Asia-Pacific	Australia, China, Hong Kong, Japan, Korea, Macau, Maldives, New Zealand, Singapore, Taiwan

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Citibank

See bonus offers from Citibank here

Citibank boasts over 1,800 branches overseas, with a particularly robust presence in Mexico (operated by its subsidiary Banamex). The bank provides a wide ATM network of approximately 45,000 machines across 30 countries. With a Citibank International Personal Bank Account, you’ll be able to make free international transfers to other Citi accounts, and have foreign currencies delivered the next day to your home, office or closest Citibank branch. Other highlights include:

• No monthly or yearly fees*
• No set-up costs
• No ATM fees worldwide**
• No foreign transaction fees
• International toll-free customer service number

*Minimum balance requirement.
**Owner ATM fees may still apply.

Citibank International Branches

REGION	COUNTRIES WITH CITIBANK BRANCHES
North & Latin America	Canada, Chile, Mexico, United States
Europe	Ireland, United Kingdom, Poland, Russia
Africa & Middle East	Bahrain*, Egypt, United Arab Emirates
Asia-Pacific	Australia*, China*, Hong Kong, India*, Indonesia*, Macau, Malaysia*, Philippines*, Singapore, South Korea*, Taiwan*, Thailand*, Vietnam*

*Please note: Citigroup made an announcement in April 2021 that they will discontinue consumer banking in Australia, Bahrain, China, India, Indonesia, Malaysia, the Philippines, Poland, Russia, South Korea, Taiwan, Thailand and Vietnam.

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Charles Schwab

See bonus offers from Charles Schwab here

Charles Schwab offers 360 branches around the world, primarily in the United States and the United Kingdom. The High Yield Investor Checking Account reimburses all ATM fees you incur, and it doesn’t charge any foreign transaction fees, either. Other features include:

• No monthly or yearly fees
• No minimum balance requirement
• 24/7 online customer support chat

Charles Schwab International Branches

REGION	COUNTRIES WITH CHARLES SCHWAB BRANCHES
North & Latin America	Canada, United States
Europe	United Kingdom
Africa & Middle East	–
Asia-Pacific	Hong Kong

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Fidelity Bank

Fidelity Investments runs 46 offices across 27 countries, including the UK and Ireland, India, Germany and Canada. If you have an investment account with Fidelity, you can use your Cash Management Account debit card to withdraw cash with unlimited ATM fee reimbursements worldwide. You’ll also enjoy:

• No account fees or minimums.
• Wide ATM access to more than one million ATMs worldwide.
• A relatively small foreign transaction fee (1%) for non-U.S. dollar transactions.
• 24/7 support via phone, as well as live chat and Twitter.

Fidelity International Branches

REGION	COUNTRIES WITH FIDELITY BRANCHES
North & Latin America	Bermuda, Canada, United States
Europe	Germany, Ireland, Luxembourg, United Kingdom
Africa & Middle East	–
Asia-Pacific	China, Hong Kong, India, Japan

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Best International Banks With Branches Worldwide By Region

REGION	BEST BANKS WITH BRANCHES WORLDWIDE
North America	HSBC, Citibank, Fidelity, Charles Schwab
Latin America	HSBC, Santander, Citibank
Europe	HSBC, Credit Agricole, Santander, Barclays, Standard Chartered, Charles Schwab
Middle East	HSBC
Africa	HSBC, Societe Generale, Attijariwafa
Asia-Pacific	HSBC, Standard Chartered, Bank of China, ICBC

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Bonus Tool: Wise

Wise (formerly Transferwise) lets you transfer money internationally. It’s quickly becoming the alternative to PayPal, thanks to its low and transparent fees at true mid-market exchange rates. Currently, you can send money to over 70 countries and receive money from 40+ countries, across more than 45 currencies. Compare it with other top money transfer services.

Wise Promotion: Free International Transfer Offer

Use our referral link below (thanks ahead of time!) to get a free international transfer of up to £500.

Once you have an account open you can start making referral bonus money as well.

See top promos from TD Bank, Chase, Aspiration, Bank of America and many more here.

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.