# Finances **URL:** https://community.nomadgate.com/c/finances/10.md [Latest](https://community.nomadgate.com/latest.md) · [Categories](https://community.nomadgate.com/categories.md) · [Tags](https://community.nomadgate.com/tags.md) --- ## [About the Finances category](https://community.nomadgate.com/t/about-the-finances-category/25)
**Author:** [@tkrunning](https://community.nomadgate.com/u/tkrunning)\ **Replies:** 1\ **Last updated:** [February 10, 2021, 7:40am UTC](https://community.nomadgate.com/t/about-the-finances-category/25 "2021-02-10T07:40:26Z")
Trying to save money on FX fees or making smart investment decisions? Need bank or insurance recommendations? This is the place! --- ## [Stay Away from Novobanco --- 52 Days Locked Out of My Own Account — My Novobanco Golden Visa Experience](https://community.nomadgate.com/t/stay-away-from-novobanco-52-days-locked-out-of-my-own-account-my-novobanco-golden-visa-experience/73133)
**Author:** [@Benjamin\_Trotter](https://community.nomadgate.com/u/Benjamin_Trotter)\ **Replies:** 96\ **Last updated:** [October 2, 2026, 1:41am UTC](https://community.nomadgate.com/t/stay-away-from-novobanco-52-days-locked-out-of-my-own-account-my-novobanco-golden-visa-experience/73133 "2026-10-02T01:41:25Z")
In October 2021, I opened a Novobanco account at the recommendation of IAS lawyers as part of my Mercan Golden Visa investment in Portugal. I funded the account and, for nearly four years, paid monthly maintenance fees w… --- ## [Opening bank account Portugal](https://community.nomadgate.com/t/opening-bank-account-portugal/53856)
**Author:** [@jetset35](https://community.nomadgate.com/u/jetset35)\ **Replies:** 16\ **Last updated:** [September 26, 2026, 7:51pm UTC](https://community.nomadgate.com/t/opening-bank-account-portugal/53856 "2026-09-26T19:51:20Z")
Good evening. Boa noite!!!:crescent\_moon: I’m curious to know if anyone is noticing delays in getting the bank account open after confirmation of receiving all documents. Any recent Experience will be greatly apprecia… --- ## [Open a bank account in Europe online for a non-EU resident](https://community.nomadgate.com/t/open-a-bank-account-in-europe-online-for-a-non-eu-resident/75840)
**Author:** [@mohamed.o](https://community.nomadgate.com/u/mohamed.o)\ **Replies:** 2\ **Last updated:** [July 23, 2026, 4:38pm UTC](https://community.nomadgate.com/t/open-a-bank-account-in-europe-online-for-a-non-eu-resident/75840 "2026-07-23T16:38:29Z")
Hi everyone, I’m a West African professional currently working remotely for a US-based company. I’m looking to open a bank account in Europe. Unfortunately, I’ve been facing ongoing challenges with local banks in my re… --- ## [Help please! Looking for online business bank account for new UK company with director living in Barbados](https://community.nomadgate.com/t/help-please-looking-for-online-business-bank-account-for-new-uk-company-with-director-living-in-barbados/63781)
**Author:** [@maslenrob](https://community.nomadgate.com/u/maslenrob)\ **Replies:** 8\ **Last updated:** [July 12, 2026, 9:08pm UTC](https://community.nomadgate.com/t/help-please-looking-for-online-business-bank-account-for-new-uk-company-with-director-living-in-barbados/63781 "2026-07-12T21:08:04Z")
Hi everyone, first post so apologies if i’m doing anything wrong. I’ve just created a UK Ltd company and am trying to open a bank account for it. I’m the sole director/employee and am a UK resident. I currently live in … --- ## [Cashing Out: My Experience (Optimize)](https://community.nomadgate.com/t/cashing-out-my-experience-optimize/77188)
**Author:** [@GottaGetOut](https://community.nomadgate.com/u/GottaGetOut)\ **Replies:** 43\ **Last updated:** [July 12, 2026, 9:06pm UTC](https://community.nomadgate.com/t/cashing-out-my-experience-optimize/77188 "2026-07-12T21:06:28Z")
Maybe there’s some anxiety about having transferred 500,000 euros to Portugal? Will you get it back to your country without Portuguese government intervention? I wanted to provide feedback from my recent full redemption… --- ## [Will be interesting which GV funds now go bankrupt](https://community.nomadgate.com/t/will-be-interesting-which-gv-funds-now-go-bankrupt/77849)
**Author:** [@GottaGetOut](https://community.nomadgate.com/u/GottaGetOut)\ **Replies:** 0\ **Last updated:** [June 20, 2026, 4:41pm UTC](https://community.nomadgate.com/t/will-be-interesting-which-gv-funds-now-go-bankrupt/77849 "2026-06-20T16:41:09Z")
I understand very little new money is flowing into GV investments (after the law change). Incentives are growing and marketing gradually shifting from investors who already have strong passports to those with passports … --- ## [Do i let anytime mailbox open and photograph my creditcard?](https://community.nomadgate.com/t/do-i-let-anytime-mailbox-open-and-photograph-my-creditcard/77572)
**Author:** [@cubetv](https://community.nomadgate.com/u/cubetv)\ **Replies:** 13\ **Last updated:** [June 2, 2026, 6:16am UTC](https://community.nomadgate.com/t/do-i-let-anytime-mailbox-open-and-photograph-my-creditcard/77572 "2026-06-02T06:16:09Z")
Dear members, My first US creditcard, (a capital one platinum) just arrived in the warehouse. Can i let the employees open the mail and let them scan the card so i can add it to google pay and start using it? my experi… --- ## [Avoid Revolut](https://community.nomadgate.com/t/avoid-revolut/76721)
**Author:** [@garrett](https://community.nomadgate.com/u/garrett)\ **Replies:** 8\ **Last updated:** [May 12, 2026, 12:50pm UTC](https://community.nomadgate.com/t/avoid-revolut/76721 "2026-05-12T12:50:52Z")
Revolut says you should be allowed to open an account as an ARI investor with NIF, but despite weeks of verification attempts and talking with their (entirely useless) support, they refused to verify my account. This wa… --- ## [Do you have any recommendations for reliable brokers or realtors in Turkey?](https://community.nomadgate.com/t/do-you-have-any-recommendations-for-reliable-brokers-or-realtors-in-turkey/77301)
**Author:** [@kadmfkmdf](https://community.nomadgate.com/u/kadmfkmdf)\ **Replies:** 0\ **Last updated:** [May 9, 2026, 6:09pm UTC](https://community.nomadgate.com/t/do-you-have-any-recommendations-for-reliable-brokers-or-realtors-in-turkey/77301 "2026-05-09T18:09:43Z")
Looking to sell property --- ## [Fiscal rep / NIF recovery](https://community.nomadgate.com/t/fiscal-rep-nif-recovery/77325)
**Author:** [@whelanmarkc](https://community.nomadgate.com/u/whelanmarkc)\ **Replies:** 0\ **Last updated:** [May 12, 2026, 12:18am UTC](https://community.nomadgate.com/t/fiscal-rep-nif-recovery/77325 "2026-05-12T00:18:27Z")
Anyone know a fiscal rep that does very simple annual tax filing ( I may but a storage room)? Also need them to get my login for my NIF (cannot access anything - NIFONLINE made a mess of everything - got me NIF number bu… --- ## [Business bank accounts without a permanent address?](https://community.nomadgate.com/t/business-bank-accounts-without-a-permanent-address/74658)
**Author:** [@Ab327](https://community.nomadgate.com/u/Ab327)\ **Replies:** 1\ **Last updated:** [April 7, 2026, 12:22pm UTC](https://community.nomadgate.com/t/business-bank-accounts-without-a-permanent-address/74658 "2026-04-07T12:22:21Z")
My question is: what are my options for a business account if I don’t have proof of address? I’m surprised not to see more queries about this here or on Google. I have just opened my Estonian company and have created m… --- ## [TEJO Investment Fund](https://community.nomadgate.com/t/tejo-investment-fund/71553)
**Author:** [@SbolsonMI](https://community.nomadgate.com/u/SbolsonMI)\ **Replies:** 6\ **Last updated:** [August 15, 2025, 12:46pm UTC](https://community.nomadgate.com/t/tejo-investment-fund/71553 "2025-08-15T12:46:17Z")
Has anyone on here used TEJO Ventures for their investment fund? They were recommended to me by an immigration business and I have a call with them today. I’m in the research phase deciding what fund now and appreciate… --- ## [Business Bank Account in UAE for Non resident](https://community.nomadgate.com/t/business-bank-account-in-uae-for-non-resident/45973)
**Author:** [@Leo420](https://community.nomadgate.com/u/Leo420)\ **Replies:** 1\ **Last updated:** [March 18, 2026, 10:40am UTC](https://community.nomadgate.com/t/business-bank-account-in-uae-for-non-resident/45973 "2026-03-18T10:40:54Z")
Does anyone have experience with digital or regular business bank account opening in UAE for non-resident? The regular way, its totally legal but virtually impossible as overall UAE banks dont welcome less than 7 digit… --- ## [Opend Ended Fund Options](https://community.nomadgate.com/t/opend-ended-fund-options/73083)
**Author:** [@Lilly](https://community.nomadgate.com/u/Lilly)\ **Replies:** 7\ **Last updated:** [February 21, 2026, 1:18pm UTC](https://community.nomadgate.com/t/opend-ended-fund-options/73083 "2026-02-21T13:18:08Z")
Hello Nomad Family I am short listing my investments into the following: Optimize Sixty Degrees 3Comma the reason is i want to high liquidity fund with easy exist strategy in the case i want to withdraw or my applica… --- ## [Investing with Bison outside GV?](https://community.nomadgate.com/t/investing-with-bison-outside-gv/75758)
**Author:** [@Sheri\_Fox](https://community.nomadgate.com/u/Sheri_Fox)\ **Replies:** 6\ **Last updated:** [February 18, 2026, 4:22pm UTC](https://community.nomadgate.com/t/investing-with-bison-outside-gv/75758 "2026-02-18T16:22:32Z")
I’m eager to move some funds out of some US based investments and was pondering investing with Bison as I already have an account there, which was not that easy to get! They seem to be quite aggressively building the inv… --- ## [How to get a free working online bank account with no physical work or ID verification?](https://community.nomadgate.com/t/how-to-get-a-free-working-online-bank-account-with-no-physical-work-or-id-verification/14433)
**Author:** [@aurora-of-earth](https://community.nomadgate.com/u/aurora-of-earth)\ **Replies:** 5\ **Last updated:** [January 7, 2026, 11:41pm UTC](https://community.nomadgate.com/t/how-to-get-a-free-working-online-bank-account-with-no-physical-work-or-id-verification/14433 "2026-01-07T23:41:11Z")
I’m looking for an online banking/money transfer service which gives its customers a free online bank account in USD or Euros at least with a working ACH and without any requirement for verifying my identity with a passp… --- ## [Easy to Open Business Banking Around the World 🌏](https://community.nomadgate.com/t/easy-to-open-business-banking-around-the-world/14167)
**Author:** [@tkrunning](https://community.nomadgate.com/u/tkrunning)\ **Replies:** 20\ **Last updated:** [November 5, 2025, 6:16pm UTC](https://community.nomadgate.com/t/easy-to-open-business-banking-around-the-world/14167 "2025-11-05T18:16:00Z")
Update: See the full article here. Good morning, everyone! While I’ve covered most of the cheap and easy to open personal bank accounts in major countries worldwide, I’ve been meaning to write a similar article about bu… --- ## [Real Cost of Visa: What Am I Getting Wrong?](https://community.nomadgate.com/t/real-cost-of-visa-what-am-i-getting-wrong/74587)
**Author:** [@GottaGetOut](https://community.nomadgate.com/u/GottaGetOut)\ **Replies:** 7\ **Last updated:** [November 3, 2025, 1:25am UTC](https://community.nomadgate.com/t/real-cost-of-visa-what-am-i-getting-wrong/74587 "2025-11-03T01:25:47Z")
I wanted to budget the current actual cost of getting a Golden Visa. I’m sure I’ve got some numbers off, tried to use only round numbers, so please correct me. I’m just adding it up for 1 person in this exercise: Portug… --- ## [Bank Security SMS Text Breakdown](https://community.nomadgate.com/t/bank-security-sms-text-breakdown/54267)
**Author:** [@fsmoore](https://community.nomadgate.com/u/fsmoore)\ **Replies:** 45\ **Last updated:** [November 2, 2025, 4:28am UTC](https://community.nomadgate.com/t/bank-security-sms-text-breakdown/54267 "2025-11-02T04:28:03Z")
I bank with Millennium and had no problems until last month. Logging on to either the webpage or phone app has two additional security features, other than a login name: (1) a three digit code selected randomly from a … --- ## [Cost of Permanent Golden Visa](https://community.nomadgate.com/t/cost-of-permanent-golden-visa/74510)
**Author:** [@GottaGetOut](https://community.nomadgate.com/u/GottaGetOut)\ **Replies:** 2\ **Last updated:** [October 31, 2025, 2:01am UTC](https://community.nomadgate.com/t/cost-of-permanent-golden-visa/74510 "2025-10-31T02:01:07Z")
Trying to weigh whether to bail for Bulgaria or readapt. Does anyone know the fee for the permanent (5year) visa? I know the ordinary (2 year) renewals are about €3k/person. --- ## [Signup to broker (e.g. Interactive Brokers) without tax residency?](https://community.nomadgate.com/t/signup-to-broker-e-g-interactive-brokers-without-tax-residency/63732)
**Author:** [@kevinsoell](https://community.nomadgate.com/u/kevinsoell)\ **Replies:** 28\ **Last updated:** [October 2, 2025, 2:18pm UTC](https://community.nomadgate.com/t/signup-to-broker-e-g-interactive-brokers-without-tax-residency/63732 "2025-10-02T14:18:05Z")
Hi all :wave: I’ve seen many recommendations in this forum for using Interactive Brokers. So I tried to sign up, but during the signup process it asks for a tax residency. I’m a digital nomad though and not a tax resi… --- ## [EUR or USD bank for an Argentinian citizen](https://community.nomadgate.com/t/eur-or-usd-bank-for-an-argentinian-citizen/73664)
**Author:** [@alchimia](https://community.nomadgate.com/u/alchimia)\ **Replies:** 4\ **Last updated:** [September 14, 2025, 12:37am UTC](https://community.nomadgate.com/t/eur-or-usd-bank-for-an-argentinian-citizen/73664 "2025-09-14T00:37:36Z")
Hi everyone, I’m an Argentinian citizen looking for a reliable option to hold and manage funds in EUR or USD. I’m already aware of Wise (no Mastercard for Argentinian :") ) and Uttopia, but I’d like to know if there are… --- ## [Legal address in the USA for banking purposes](https://community.nomadgate.com/t/legal-address-in-the-usa-for-banking-purposes/73016)
**Author:** [@jdareys](https://community.nomadgate.com/u/jdareys)\ **Replies:** 2\ **Last updated:** [August 8, 2025, 7:30pm UTC](https://community.nomadgate.com/t/legal-address-in-the-usa-for-banking-purposes/73016 "2025-08-08T19:30:54Z")
Greetings, I have been a digital nomad for over a decade now, keeping a PO BOX in the USA, it has served its purpose for the IRS, DMV, banking etc. Recently, my bank requested that I change my physical address to an ac… --- ## [TransferWISE Partner Bank Changes](https://community.nomadgate.com/t/transferwise-partner-bank-changes/72738)
**Author:** [@Ravig80111](https://community.nomadgate.com/u/Ravig80111)\ **Replies:** 3\ **Last updated:** [July 26, 2025, 5:57am UTC](https://community.nomadgate.com/t/transferwise-partner-bank-changes/72738 "2025-07-26T05:57:16Z")
Not sure if others have noticed but the TransferWISE partner bank in the US seems to have changed at least 3 times without any notification and much to my surprise even the account number changed (except for the last 3 d… --- ## [Replacing Millennium BCP to another bank due to high fees](https://community.nomadgate.com/t/replacing-millennium-bcp-to-another-bank-due-to-high-fees/62886)
**Author:** [@hanoch](https://community.nomadgate.com/u/hanoch)\ **Replies:** 72\ **Last updated:** [July 23, 2025, 3:58am UTC](https://community.nomadgate.com/t/replacing-millennium-bcp-to-another-bank-due-to-high-fees/62886 "2025-07-23T03:58:16Z")
In 2021, I applied for the Golden Visa using the investment in funds option and subsequently opened a “prestige” account with Millennium BCP for this purpose. However, I have encountered significant challenges with the b… --- ## [I suspect the closed end options will now die out](https://community.nomadgate.com/t/i-suspect-the-closed-end-options-will-now-die-out/72582)
**Author:** [@GottaGetOut](https://community.nomadgate.com/u/GottaGetOut)\ **Replies:** 2\ **Last updated:** [July 14, 2025, 6:57pm UTC](https://community.nomadgate.com/t/i-suspect-the-closed-end-options-will-now-die-out/72582 "2025-07-14T18:57:23Z")
Whether or not the Portuguese government dramatically alters the wait for a passport, I believe recent developments will cause new applicants to shy away from investments in closed-end funds for fixed periods of time. W… --- ## [Receive funds in USD/GBP from Bangladesh](https://community.nomadgate.com/t/receive-funds-in-usd-gbp-from-bangladesh/72239)
**Author:** [@zauad](https://community.nomadgate.com/u/zauad)\ **Replies:** 1\ **Last updated:** [June 26, 2025, 12:49am UTC](https://community.nomadgate.com/t/receive-funds-in-usd-gbp-from-bangladesh/72239 "2025-06-26T00:49:07Z")
Hi guys, I am a freelancer from Bangladesh. I have clients from the US and the EU. I have been using Payoneer for receiving funds from my clients. But recently the fees have gone very high. I am looking for alternati… --- ## [Alternatives to Google Voice for US banking SMS confirmation](https://community.nomadgate.com/t/alternatives-to-google-voice-for-us-banking-sms-confirmation/68496)
**Author:** [@vienna\_melange](https://community.nomadgate.com/u/vienna_melange)\ **Replies:** 31\ **Last updated:** [May 13, 2025, 11:00am UTC](https://community.nomadgate.com/t/alternatives-to-google-voice-for-us-banking-sms-confirmation/68496 "2025-05-13T11:00:54Z")
Before posting here, I did search the forums for information on virtual phone numbers, but couldn’t really find much that was up to date. My situation is that I ported my old US number over to a Google Voice number many… --- ## [Wise and commercial address for nomad... How do you manage?](https://community.nomadgate.com/t/wise-and-commercial-address-for-nomad-how-do-you-manage/65882)
**Author:** [@claireWild](https://community.nomadgate.com/u/claireWild)\ **Replies:** 3\ **Last updated:** [May 7, 2025, 4:13pm UTC](https://community.nomadgate.com/t/wise-and-commercial-address-for-nomad-how-do-you-manage/65882 "2025-05-07T16:13:46Z")
Hello everyone, I just received a threat to suspend my Wise US biz account if I don’t fill in my commercial address. The thing is… I’m nomad. I’m not from US, I live now in Paraguay but will move soon. I could give the… [Next page](https://community.nomadgate.com/c/finances/10.md?page=1)