<story><title>Ask HN: Online banks where I can open account worldwide?</title><text>I travel to exotic countries to live and work remotely. If suddenly my credit card is blocked or stolen, are there any online banks where I can open an account and order a card by post to anywhere in the world, confirming my identity online?&lt;p&gt;For example, there are several banks which allows me to open a bank account without German registration and no non-residence, being in Germany. Unfortunately, they send cards only to a limited number of European countries. Even if they are ok with my passport I have to ask somebody to receive my card and send it directly to me.</text></story><parent_chain><item><author>toomuchtodo</author><text>Wow, I can’t even comprehend that much hassle to report a card stolen. American Express will deactivate my card and overnight me a new one in 5 minutes on the phone with customer service.</text></item><item><author>joshuatalb</author><text>Whilst I recommend Revolut, be wary of the support. My card was stolen and I noticed that  there had been several transactions on it, meaning somebody had been using it. Fortunately I have the push notifications turned on so I was alerted almost instantly.&lt;p&gt;When I got in touch with Revolut support, they needed a paper copy of the police report, along with several other documents from places such as ActionFraud (an organisation set up here in the UK to exclusively tackle fraud).&lt;p&gt;The police report took 2 hours to file, followed by a 2 week delay by Revolut to actually verify the claim and process the refund. Now, any other “bank” I’ve been with here will always refund you the money first and then resolve later.&lt;p&gt;This isn’t necessarily a criticism of Revolut, as I still use them very frequently but just a word of advice in case you’re used to the process, as I was.</text></item><item><author>orf</author><text>Revolut[1] seems perfect, I cannot recommend them enough. With their premium plan you get 1% cashback on all card purchases outside the EU as well. The support is great, if your card gets cloned or something.&lt;p&gt;You also can fluidly and transparently transfer between all different currencies at the interbank rate, which I find is great for travelling back home (Most of my cash is in Euros).&lt;p&gt;They are really, really good.&lt;p&gt;1. &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.revolut.com&amp;#x2F;&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.revolut.com&amp;#x2F;&lt;/a&gt;</text></item></parent_chain><comment><author>tudorconstantin</author><text>You can deactivate any Revolut card from your mobile app instantly (don&amp;#x27;t even have to call them).&lt;p&gt;What parent commenter was complaining about were the cumbersome procedures for refunds of fraudulent transactions. Given the worldwide distribution of their customers and the online only interactions with them, seem justified IMO.</text></comment>
<story><title>Ask HN: Online banks where I can open account worldwide?</title><text>I travel to exotic countries to live and work remotely. If suddenly my credit card is blocked or stolen, are there any online banks where I can open an account and order a card by post to anywhere in the world, confirming my identity online?&lt;p&gt;For example, there are several banks which allows me to open a bank account without German registration and no non-residence, being in Germany. Unfortunately, they send cards only to a limited number of European countries. Even if they are ok with my passport I have to ask somebody to receive my card and send it directly to me.</text></story><parent_chain><item><author>toomuchtodo</author><text>Wow, I can’t even comprehend that much hassle to report a card stolen. American Express will deactivate my card and overnight me a new one in 5 minutes on the phone with customer service.</text></item><item><author>joshuatalb</author><text>Whilst I recommend Revolut, be wary of the support. My card was stolen and I noticed that  there had been several transactions on it, meaning somebody had been using it. Fortunately I have the push notifications turned on so I was alerted almost instantly.&lt;p&gt;When I got in touch with Revolut support, they needed a paper copy of the police report, along with several other documents from places such as ActionFraud (an organisation set up here in the UK to exclusively tackle fraud).&lt;p&gt;The police report took 2 hours to file, followed by a 2 week delay by Revolut to actually verify the claim and process the refund. Now, any other “bank” I’ve been with here will always refund you the money first and then resolve later.&lt;p&gt;This isn’t necessarily a criticism of Revolut, as I still use them very frequently but just a word of advice in case you’re used to the process, as I was.</text></item><item><author>orf</author><text>Revolut[1] seems perfect, I cannot recommend them enough. With their premium plan you get 1% cashback on all card purchases outside the EU as well. The support is great, if your card gets cloned or something.&lt;p&gt;You also can fluidly and transparently transfer between all different currencies at the interbank rate, which I find is great for travelling back home (Most of my cash is in Euros).&lt;p&gt;They are really, really good.&lt;p&gt;1. &lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.revolut.com&amp;#x2F;&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.revolut.com&amp;#x2F;&lt;/a&gt;</text></item></parent_chain><comment><author>joshuatalb</author><text>Reporting the card stolen is hassle-free and can be done from the app instantly. It&amp;#x27;s just the process to get the money refunded and back in my account.</text></comment>