How to Open US Virtual Bank Account Online for Free

December 24, 2020


Last Modified: December 24, 2020 4:31 PM


If you run an online business, you should have a US bank account.

It doesn't matter whether you run own business such as an eCom store, a blog or you are an affiliate marketer who promotes products like Clickfunnels or even an freelancer who are engaging in micro jobs.

If you're wanting to receive payments from American companies or International companies which support direct deposit to US bank accounts, you should have at least one United States bank account.

The real issue happens when you're not located in America. There's the location barrier to open US bank accounts. However, today, I will show you how to open a US bank account even you're not located in USA. (Those accounts are known as Virtual Bank Accounts)

Why Open a Bank Account Online?

If you're not sure why you should open bank accounts online (without visiting the bank) and/or you do not know the importances of US virtual bank accounts, I suggest read following reasons. 

Ability of receiving your online earnings

USA Virtual bank account as a supplement for Paypal withdraw

Receive money from US banks

Create your own website and sell your products

Receive Payments from Networks like JvZoo

So Here is the step by step tutorial you should follow in order to open an USA virtual bank account for non US residents.

The Step-by-Step Guide to Opening a Bank Account Online

We are going to create a virtual US bank account differently. To verify your application and earn some money, I have created a step by step guide.

Don’t worry. Everything is clear, and you will not be confused with any step. Just follow instructions correctly.

Don’t skim or ignore any step. Because, if you get anything wrong, you have fewer chances to get the virtual US bank account again. Almost No possibilities. Are you ready to set up a bank account online today for free? So let’s move on…

A Short Note from Chamal

This method takes some time. I recommend you to bookmark this page. So you can revisit this page whenever you want quickly. Press “CTRL + D” to bookmark this page. For more information about this method to get virtual bank accounts, please read frequently asked questions (FAQ) or post your questions in the discussion section.

Step 1. Prove you have an Internet-based business

Now you might be wondering who the heck is an Internet marketer and why you should become an Internet marketer.

Basically, an Internet marketer is a person who run a business on Internet. 

Proving that you're using the virtual bank account for business purposes, not personal goals is very important.

Because I have got to know many people who don't care about Payoneer's terms and conditions and apply for Payoneer US banking service without acknowledging they are going to use US virtual bank account for business materials.

Payoneer MasterCards - Payoneer US Bank account service - Create virtual US bank account free online

Open Virtual Bank Accounts: US ACH, SEPA, BCAS

Do You Know?

Payoneer is one of the top companies in the world that has direct payment integration with most Internet-based companies and networks. 

You can prove that you have an internet-based business by a few ways.

Note: You only need to follow one method to prove that you've an online business to open your virtual US bank account.

Do you already have an online business?

Please neglect this step (#1) and jump to Step 2.

Here, I will show you how to become the particular person you would like to be in short.

Become a Blogger

If you asked me How I got my application approved easily and quickly, it’s because of this blog.

Yes, having a website or blog is something like you’re a real online marketer. So, here I will show you how starting a blog will help in getting a few virtual bank accounts, plus making money online.

  • Payoneer welcome webmasters who run real businesses online. (ex: you promote affiliate products online)
  • You can build a portfolio where you can promote your freelance job.
  • You can share your knowledge with others and get more attention.
  • You can build your personal brand online so get more direct and indirect sales to your business.
  • Run a custom online marketplace for services you promote on Freelance networks. (ex: freelance writing)
  • You can sell your own products online. (ex: eBook, video course,)

The benefits are enormous when you have a blog. In fact, having an own website is essential if you want to make money online even through internet marketing, freelance working, and eCommerce shop store.

So, how do you start a blog online?

You can quickly start a blog within next 15 minutes.

The necessary steps which are involved in making a blog are;

  • 1
    Select a domain and Choose a web hosting.
  • 2
    Install WordPress and create your blog necessary elements.
  • 3
    Add content.

In fact, I have already shared a whopping step-by-step guide on how to start a blog on WordPress. I strongly recommend you to check it out.

#1: Select a domain and Choose a web hosting service

There are hundreds of web hosting services. Many are come-today-and-disappear-tomorrow types. Anyway, I am going to reveal my most recommended web hosting for startup.

In fact, I first started my WordPress blogging career on there. (If you don’t know WordPress is the most popular self-hosted blogging platform.)

So, what is my recommended web hosting service?

It is Bluehost.

Bluehost has an outstanding reputation in web hosting industry. Already two million webmasters trust them.

When you purchase web hosting from Bluehost, you’ll get a free custom domain which usually is $15.00 or more worth.


You can Get a FREE Domain Name

They offer 45 days money back guarantee, and you receive unlimited customer service support. I still run numerous websites of mine on BlueHost.

So, I recommend you to buy web hosting for 12 months ($3.45 per month with my exclusive BlueHost coupon) and start building your blog.

#2: Install WordPress and start your blog.

Installing WordPress on Bluehost just only take a few minutes (under 15 minutes).

I have shown how to install WordPress and add necessary elements to your blog on a unique article. You can check it out from here.

Start a Blog - A Quick Start Guide

Follow the steps accordingly and you will have a website within 15 minutes.

#3: Add Content

The third step of creating a blog is adding content to your blog. If you make money through freelancing such as writing articles or selling products/services online, then you can show your services on your blog.

Your ultimate goal should get virtual bank accounts. So, by showing as you’re a real online marketer, you can get a US virtual bank account very quickly.

Become a vlogger

YouTube is world's leading video social sharing and streaming network. 

In fact, millions of hours of worth videos are uploaded to YouTube in EVERY day.

Still, many YouTube stars are more popular than some celebrities and make six or even seven figures per year.

If you're a videographer or like to do video marketing, then I recommend become a start a YouTube channel and be affiliated with some affiliate networks, so you can receive payments through US virtual bank account.

Here's how to become a vlogger in short...

  • 1
    Note down what topics you are interested in. Make sure those topics have a specific audience, and you can find products or services to market to.
  • 2
    Create your YouTube channel. Here're the steps on how to create a YouTube channel.
  • 3
    Upload your videos.
  • 4
    Affiliate with one or more of these companies.

Use Rocketium to create Buzzfeed style videos in seconds. (No need video editing experience.)

Once you're eligible to display Google AdWords ads on your YouTube videos, you can make money through Adsense and receive payments to your virtual US bank account.

Become eCom Marketer

ECommerce has been becoming popular every day. In fact, make people have made their first dollar through E-commerce.

Dropshipping, Amazon FBA, brokering are other aspects of eCom industries..

If you want to be an eCom marketer, then I recommend Shopify for you to create online shopping stores. Alternatively, you can choose WordPress + Woocommerce option.

However, not everyone is tech-savvy and don't like to run eCommerce stores on self-hosted platforms. Shopify is an all-in-one platform for eCom marketing.

If you're interested in making money with promoting physical products from Amazon, Alibaba and receive payments to your virtual bank accounts, then I recommend running an eCom store.

Become a freelancer

Freelancing is another field where you can make money and receive payments from US companies.

Many companies such as Freelancer, Fiverr and Envato are parts of Mass Receiving companies of Payoneer. Therefore, you can receive earnings through virtual US bank account to your local bank.

Read my complete guide to making money with micro jobs if you want to learn more about gigs and earning extra cash doing small tasks.

Become an email marketer

Email marketing has the highest ROI among marketing channels. PPC ads, banner ads, and SEO are far behind Email marketing concerned to ROI.

Here how you can get started as an email marketer in short.

  • 1
    Sign up for an email marketing service. I suggest GetResponse if you're promoting affiliates products mostly and ConvertKit if you're using it for advertising own products and newsletters. (ConvertFox is also an option. However, it's a bit a marketing automation software than a just email marketing service provider)
  • 2
    Copy my private Affiliate funnel for free. Sign up here to get started.
  • 3
    Become an affiliate of companies in step 2 below.

Step 2: Become an Affiliate of Payoneer Supported US and European Companies

Now, as you have an online business, the second step you should follow is become an affiliate of a few major US and EU companies. I have listed some irresistible US and European companies. Sign up for each website one by one and then follow the next step.

Clickfunnels is one of popular funnel building and landing page building software online. 

Clickfunnels is also famous among affiliate marketers as one of most profitable affiliate program out there. In fact, Clickfunnel affiliates can promote variety of products and make recurring income.

Here's how to become an affiliate of Clickfunnels.

  • 1
    Visit Clickfunnels' "What's Your Dream Car" page and click on "Sign Up to Become an affiliate" button at the top of page.
  • 2
    Fill the form and become a Clickfunnel affiliate.
  • 3
    Promote Clickfunnels and Clickfunnel products and make money.
Do You want an affiliate funnel to promote Clickfunnels and make money on autopilot?

I have built up a custom affiliate funnel that includes 7-steps video training series which help you teach others to sign up Clickfunnels through your affiliate link and make money. (You get 5% commission everytime your affiliates make sales)

ShareASale – Affiliate Network

ShareASale is one of most popular performance marketing network that has tons of affiliate products based on CPA,CPS, CPL, and CPC models.

Read my review on ShareASale affiliate network, if you want to learn more about ShareASale.

ShareASale affiliate program

ShareASale affiliate program

WPEngine – A Dedicated WordPress Hosting Service

WPEngine affiliate program is handled by ShareASale. Signing up to WPEngine only takes a matter of seconds.

WPEngine affiliate program

WPEngine affiliate program

StudioPress – Premium WordPress Themes Directory

StudioPress affiliate program is also handled by ShareASale, Inc. If you have a website, you can quickly get approved for this affiliate program. Well-known Genesis framework is developed by StudioPress.

StudioPress Affiliate Program

StudioPress Affiliate Program

More Affiliate programs for you!

ClickBank – World’s largest digital marketplace

ClickBank is many millionaire’s starting point. I guess that you already know what ClickBank and how it works. ClickBank has the option to receive payments directly to US bank accounts. I use this option in general and I receive my ClickBank earnings without no any issue.

ThemeForest, CodeCanyon – The Envato, Inc.

The largest marketplace of WordPress theme, plugins, website tool developers. It only takes a few minutes to be a part of this largest professional freelancer’s marketplace.

Freelancer – One of biggest freelancing marketplace is another website that offers direct bank deposit to US banks as a payment option.

Fiverr – A micro-jobs marketplace that every service start from $5.00

From logo design, voice narration, photo editing to link building, virtual assistant services are starting at $5.00.

Step 3: Apply for Payoneer Mastercard

The second step is to create a free Payoneer account. Go to Payoneer over here and create your account.


Sign Up to

* If you signed up through my affiliate link, you’d receive $25.00 as a bonus once your Payoneer account reached $100 threshold.

After you created your FREE Payoneer account, Payoneer team will send you an email within a few days, informing whether or not your application is approved. If your application is not accepted for the first time as some mistakes just like I did, contact them and ask what’s wrong.In my case, I didn’t have the sufficient age to apply.

I applied at age 17, and my application got rejected. I contacted Payoneer customer support when I reached 18 and got my application approved. So if you are under 18 and want to apply for a bank account online, then create the virtual bank account for your parents or other relatives. You cannot create kids bank account with Payoneer. Please read Payoneer’s terms and conditions make sure you have fulfilled the requirements.

Step 4: Wait for a post mail!

Yes, the third step is nothing on your part. Just wait and see a mail from Payoneer. The duration to receive your Payoneer MasterCard will depend on the location and the speed of the process. (e.g.: holidays, delay of receiving post mail)

Step 5: Activate Your Card

Within a few days, you will receive the Payoneer MasterCard. Login to your Payoneer account and activate it. To Activate the card, click on “Activate” button in the middle of the screen.

Activate Payoneer Card

Activate Payoneer Card

Then enter the PIN code you received via postal mail. You can change the PIN of Payoneer MasterCard on this occasion.

Enter PIN - Payoneer MasterCard

Enter PIN - Payoneer MasterCard

Step 6: Check for an Email from Payoneer

Once your application approved, you would receive a subsequent email from Payoneer. Now it’s the right time to apply for Payoneer US bank payment service.

Payoneer Application is Approved

Payoneer account approval letter from Payoneer

Step 7: Setting up your U.S Bank account – Apply for Payoneer US Bank Account Service

To set up your US bank account, you have to explain to them who you are and what you do. Yes, now you know what to write. Explain that you are a freelancer (give profile links for each account) or a blogger (if you are a one) and share some screenshots of your ShareASale earnings and ThemeForest profile pages. And explain them more about what are your future plans for starting a membership site etc.

Payoneer US Bank account service : Applying

Here are the attachments that I sent to Payoneer U.S bank account service.

Payoneer US Bank account service - Attachments: Applying

You could see that there is no any reason Payoneer team to reject my application. I recommend you to spend some time and jotting down your current online businesses and your future ambitions. Give them an insight by sharing screenshots as I did.

Alternatively, you can also join SEOClerks, UpWork, Guru or CJ (Commission Junction) to prove Payoneer that you are a real freelancer. This will expedite the chances to get your application to Payoneer US Payment service approved. If you want to know how to make money by offering freelancing services, do consider to check out this freelance jobs catalog that will help you make money online from today.

Automatic Email : Payoneer US Payment service

After you have applied to Payoneer U.S bank account service, you will receive an email informing that whether your application is approved or disapproved. If you did everything right as in this guide, you will receive an email similar to below one.

Welcome to Payoneer US Payment service

Welcome email from Payoneer with US Bank account details

That’s it! After some hard work, you got approved your Payoneer US bank payment service application.

Mine was a checking bank account from the First-century bank. You may not have a First Century virtual checking bank. But, you would receive the best virtual bank account that you can use anywhere in the world. Now you can leverage your online marketing funnel and earn more money quickly.

Want to see the information on my virtual US bank account? Here they are,

Don’t send me a letter. Okay?


Payoneer Virtual US Bank Payment Service Information – First Century Bank

Payoneer Virtual US Bank Payment Service Information – First Century Bank

Pricing and Fees

Payoneer, mass payout companies and your checking bank account charges different fees.

Here's a table of pricing and fees of US Payment Service and mass payout companies.

Note 1: Most payment fees are based on per payment.

Note 2: Fees for payments from Mass




US Payment Service

1.00% of total amount

Per payment



Immediate (Within 2 hours)

Envato USA Inc.


Immediate (Within 2 hours)

Envato USA Inc.


Standard (Within 0 days)



Immediate (Within 2 hours)



Immediate (Within 2 hours)

Interesting Facts about Payoneer Money Processing Service That You Should Know

If you read my reviews on Payoneer, you can find more details about Payoneer such as fees. But, here I will explain a few of those important ones.

You can receive direct payments to your Payoneer

Yes, Payoneer has an online service to ease people to send business payments to your Payoneer account. But, your Payoneer account should fulfill some requirements.

request a payment -

Use this Tool to request payment from companies

Once you’re eligible for use this service, you can request a direct payment from most companies. Contact them for getting more information.

You have a European Bank Account (EUR Receiving Account – SEPA)

This is a new service added to Payoneer recently. Now you have three international bank accounts on one account! This is the second virtual checking bank account introduced by Payoneer. I received SEPA automatically, as I already have a healthy Payoneer account and a US virtual bank account. If you still haven’t got this, consider contacting Payoneer team.

My Euro Receiving Account: Wirecard – Germany

My Euro Receiving Account: Wirecard – Germany

You have a GBP receiving account (BACS)

Another virtual bank account you will receive from Payoneer. Very beneficial if you are working with a company which is located in the United Kingdom. Here’s my GBP receiving account’s details.

GBP Receiving Account: Barclays

GBP Receiving Account: Barclays

You can find your bank account’s location (address, zip code, etc.)

When my ShareASale account reached the required payment threshold, I was asked to select the desired method to withdraw my earnings. I knew that mail checks are not too fast and PayPal is not supported to receive money to Sri Lanka. But, to use direct deposit to US bank, I have to enter the bank account details. (bank address of First Century Bank)

I didn’t know how to get that information. But, I found an effective way to do that.

First, go to CheckComposer Bank Search website and enter the routing number (ABA) of your US virtual bank account. Then click on “Search” button.

Within a few seconds, you will see your bank account’s essential details such as postal/mailing address and phone number.

Bank Routing Number Search Engine -

Get Your US Bank Account's Information: Name, Address, Zip, Phone Number using Routing Number

These are valuable details you should know when someone asked to direct deposit payments to your US virtual bank account.


Frequently Asked Questions

Why Should I sign up for affiliate accounts?

Can I withdraw my earnings in UpWork, Freelancer, iStockphotos, ShareaSale and Fiverr to Payoneer account through Virtual US bank account service?

Can I transfer my earnings to another Local Bank Account?

Can I use the virtual bank account for online shopping?

Can I verify my Paypal account with virtual USA bank account?

Final Words

If your Payoneer application is rejected, you can contact them and get it approved. But I don’t think you can get accepted Payoneer Virtual US bank account service. So, follow above instructions correctly to get a free virtual US bank account surely.

I know it takes some time. What to do? It’s the process. My advice is ‘be patient.’ Once you have your virtual prepaid MasterCard and the US virtual bank account, you’re ready to go.

If you think this post is helpful, please give a few seconds to share this post on your favorite social network.

So how else can you get a free US virtual bank account online?

About the author 

Chamal Rathnayaka

A blogger, Growth Hacker, and Internet Marketer since 2012. Chamal Rathnayaka is the founder of this very site and he's sharing his experience and knowledge on Internet marketing through Pitiya blog. Send him a message on


    • Hi Mayedul,

      Open a checking account online is very easy with Payoneer. Their US payment service provides freelancers and foreigners US checking account non residents. I think you got an answer to "How to open a checking account online for free".

      Thanks for your comment Mayedul.

  • Anonymous says:

    Paypal is no longer accepting payoneer's US payment service, don't waste your time. They have blocked payoneer for security reasons. You will not be able to link your bank account this way anymore.

    • Yes, we can't use virtual bank accounts to verify PayPal account. It's a very irritating problem for PayPal not supported countries such as Sri Lanka, Pakistan etc. One reason you can't use a virtual bank account for Paypal verification is that it's a checking bank account which automatically transfer money from virtual checking bank account to Payoneer account.

      Yes, As you being said, no moreover, we can't use Payoneer's US payment service to activate Paypal account. Thanks for your valuable comment.

      • Hello Chamal ,

        Can I use Payoneer Europe virtual bank account to verify new PayPal account ?

        The Payoneer Europe virtual bank account is a Savings account.

        I look forward to hearing from you.

          • The bank’s name is Wirecard Bank AG , based in Germany.

          • If you have a PayPal account in Germany, it might work. But, chances are less because PayPal already blocks some bank accounts that are provided by Payoneer. Maybe you want to establish an LLC based on the US to get a PayPal Business account for non-supported countries.

            For what purposes do you exactly want PayPal? I might be able to give you some direction.

  • Hi
    I'm not sure if it's the right place.. but probably many of the members here know about it
    I'm not an American citizen and want to open an American bank account with Payoneer
    will I need to pay taxes to the US, or I'm free from taxes there.
    Thank you

    • Hi Stef,

      Yes, you're in the right place! You get a US virtual bank account by Payoneer. Payoneer charges a fee annually to maintain their service. Despite that you don't have to pay any dollar for taxes or any service.

      As you get a free online checking bank account, when someone transfer money to your bank account, they'll immediately transfer to your Payoneer account. So even through you have an USA virtual bank account, it will never have money deposited. That's why Payoneer checking bank accounts can't be used for PayPal account verification and money deposit purposes.

      Another thing, when you withdraw money from the credit card, it will also charge some amount. But, if you use the Payoneer card for online shopping, buying digital products etc, you won't be charged any extra fee.

      If you have any doubt about Payoneer US payment service, please let me know. I will happily help you.

      Thank you.

  • I made my paypal account and verified it by the time when payoneer was accepted by paypal. If i transfer my money from paypal to linked bank of america virtual account (which is ofcourse linked to payoneer) then will it be transferred or not? My second confusion is " when i signed up for payoneer I got bank name and routing no etc in email from payoneer" and i submitted my questionaire and government ID to US payment service .but didn't receive reply about that after… and their status is submitted….. should i be able to receive money from any us company(say Paypal or Fiverr) or before they should approved my questionaire and Government ID card copy ……. Please reply…….waiting for your response!!!!

    • Hi Ehtisham,

      A few years ago, Payoneer virtual bank account supported for PayPal verification. But, since last two three years, PayPal stopped accepting virtual online bank accounts. Because lots of overseas bank account holders used US checking bank accounts for lots of spammy activities.

      As you have a virtual bank account (not a saving bank account), once you get any payment (let's say its from oDesk, Fiverr or Themeforest), the payment amount will be immediately transfer from America virtual bank to your Payoneer account. Then you can withdraw them from your local bank account or local AMT machine or shop online.

      If you received your virtual bank account details such as banking number, routing number etc, then you shouldn't worry anything about it! The questionnaire is optional. It's used to identify who you are and why you use online banking account (ex: If business purposes, what are the businesses: blogging, freelancing, affiliate marketing etc.). It is important for Payoneer team to help you in future.

      As my experience, now Payoneer virtual bank account doesn't support for Paypal verification. However, you can use it for other purposes. It works perfectly for freelancing and other online services.

      I hope this answer helped you solve your problems. If you have any problem, please reply me here.

    • We can't verify PayPal through Payoneer. You get a virtual checking bank account from USA. When PayPal try to verify your bank account by adding a few values, they are saved on your Payoneer account, not in bank account (because it is a checking banking account), so PayPal couldn't withdraw them.

  • Collin Davis says:

    So Chamal, here is my issue. Paypal rules in India don’t allow you to buy anything with Paypal balance. I want to be able to pay for digital goods with my Paypal balance. Could you suggest what could be done for this?

    Do you always have to link to a bank account while creating a Paypal account?

    And is having Virtual Credit Cards a good option?

    • Hi Collin,

      Unfortunately, now you can’t use any virtual bank for verifying a PayPal account. I used this method myself as i couldn’t receive money from other PayPal account holders.

      For Indian people, as i know, you can’t send money, but can receive money. Can you withdraw money to your bank account?

      There might have some services that allows to pay for digital products through your PayPal account. I will inform you when i find any method.

  • hello please if someone in the usa transfer money to my Payoneer virtual bank account , is it going to reflect on my Payoneer account?

  • Dr. Deepak Raj Paudel says:

    Hello Chamal Priyadarshana, I am Dr. Deepak Raj Paudel from Nepal. I want to withdraw my money both from US and Non-US companies. But companies are asking me to mention detail about the bank(name, bank city, bank state and banksteet adress). The virtual bank only has name as first century bank but no other information. How can i get other information of this virtual bank please?

  • Scott Pappali says:

    Hello there,

    Very nice and neatly laid out information.
    A little information about me, I am an Indian, but living in Kuwait.
    I have a question. I already have a verified Paypal account, which was verified using my credit card. So there is no Bank Account linked to my Paypal account (but it is verified).

    So can I add the Payoneer virtual bank details to withdraw money from my Paypal Account into the Payoneer account?

    • The virtual checking bank account provided by Payoneer has the US address. But, you don’t live there. So you can’t verify PayPal using Payoneer.

      • Scott Pappali says:

        Hello Chamal,
        I don’t need to verify my PayPal account, it’s already verified. What I’m asking is can I use Payoneer to withdraw funds from Paypal into my Payoneer prepaid card?

          • He is asking, “What I’m asking is can I use Payoneer to withdraw funds from Paypal into my Payoneer prepaid card?”

  • but can we use payoneer card to verify us paypal account

  • please, is there any way forward to be able to vrify us paypal account for country like nigeria etc

  • My Question is If I register a US company in Delware. Can we ask them to provide Payoneer account for LLC i have established. We are looking for this as Business Account in US.

    • I don’t know whether they provide virtual bank accounts for businesses. Please contact their support team. They’ll help you.


    Can I transfer money from a Nigeria bank account to the US virtual account?

  • Thanx bro.
    Where can i find online id and passcode for Bank Of America bank account supplied by payoneer?

  • I want to sell services online and wish to receive payments for that.
    customers are willing to pay but I am unable to take money from them as I am in india.
    I can’t use paypal.
    let’s say I have a virtual bank account .
    now how can I take money from a usa customer
    let’s say that the customer is willing to pay via check , how can I process that, and can I process debit, credit cards online from customers on website..
    please reply pal.

  • hi i want to know about my card declined. what shall do to solved this problem?pls advised thanks

  • pls advised i have two payoneer mastercard the one has activate but already declined but the another one was not already activated? what shall i do about this situation? thanks all god bless all

  • It doesn’t work anymore – paypal deletes this “virtual accounts” by payonner, ’cause they are are not accounts in common sense – they work only one way – for receiving funds. And that’s a problem, because paypal rules are about two-way bank accounts: receiving and sending. For users, who verified their payoneer DirectPay accs before 2015 it may be still working option, but not for the new ones.

    • yes, this doesn’t work anymore because you are not getting a US account, just a US dollar account. You can try a service like which is geared for travelers but non americans can get an account. This is a US virtual prepaid card geared for US online services.


    • I will update the article or add a new one if there is any alternative working way to get a withdrawal support PayPal account.

      Thanks Kingsley for your kind of words.

      Best lucks for your future!

        • Hi,

          Thanks very much for sharing this info. Can you invite me for the atlas account. 🙂

  • The virtual needs to include a receive and withdraw.

    • Yes. But, that’s is a difficult thing to control. Even Paypal restrict many people in these days, I don’t think Payoneer will provide saving account sooner.

  • Hello Chamal,

    I have a verified Paypal account and I need a US bank account so I can receive payments via Paypal Mass Payment.

    What I’m planning to do is to add the Payoneer checking account to my Paypal so it can receive USD then I will withdraw the funds to my local bank account.

    Do you think it will work?

    • You can integrate your Payoneer debit MasterCard to PayPal. However, to withdraw money, you should have added a bank account either saving account or checking account.

      But, as far as I know now PayPal does’t allow to add Payoneer’s checking account.

  • Then if someone can withdraw a sum of money from his verified PayPal account to his Pioneer MasterCard, can this sum be transformed to his local bank account linked to Payoneer ???

  • I have a US upwork account that has my picture with a US address. I wish to use this account for my virtual account application. Can I succeed with it?

  • Great information. It’s really helpful. Thank you for that. I’ll give Skrill MasterCard a try and also try the other two and get back to you as soon as I do so.

  • Hi dear…

    As you..iam a srilankan person.
    Machan…i want get verified with paypal for receive money.because iam a ebay seller..sad to say all paypal accounts wich i using with paynoeer blocking by paypal team…i have heared some news like these.”it can receive money with malaysian paypal account”

    It is true or not machan???
    If its can i do machan??and whats the support bank and support card to do that???

    Waiting your timely reply..
    Thank you…..

    • Hi Danushka,

      Nowadays, non-USA residents can’t add Payoneer card to PayPal. Older Payoneer accounts with BOA checking accounts could verify PayPal and receive money.

      However, as I mentioned in above, PayPal doesn’t allow to add Payoneer’s VBAs.

      If you want to receive money through PayPal, I recommend expanding your business by opening bank accounts in abroad. For example, with Stripe’s Atlas, you could get virtual bank account etc. If I am right, the fee is $500.

      Danushka, I have not tried this method. Because I have heard that Harin Fernando said that PayPal added Sri Lanka to the list. Check local newspaper for more information.

      I am afraid to say anything about opening a PayPal account in Malaysia. It is cautious.

  • Hi!

    Am I able with this account to receive WIRE transfers?

    If not, do you know another virtual bank account?


  • can i get echeque and credit card gateways using payoneer virtual account?

    • You can receive money to one of your virtual banks and then they will be loaded on your Payoneer account. For Payment gateways, they don’t have public payment gateways for online transactions yet. It might be opened in near future.

  • Hello ,
    I think you missed some thing .
    Your article seems to be good and informative but payoneer is not accepting payments from paypal .
    I recently tries to connect paypal and payoneer and there i found that payoneer is not accepting paypal payments.

    please update /.

    • Yes, in past PayPal accepted VBAs from Payoneer. However, now it is not possible. In the article (the FAQ section), I clearly defined this issue.

      Let me know what you’d like to accomplish via PayPal. Maybe I could suggest an alternative to PayPal.

  • Hello Brother,
    I have successfully verified my skrill account through i sent them my passport but whenever i am trying to ‘Add bank’ of united state of america the error message still appears just like above pic shown.I am stuck how to handle this issue.
    Ariyan Islam

  • Nice post. I used to be checking continuously this blog and
    I am impressed! Extremely useful information specifically the ultimate phase
    🙂 I take care of such info much. I used to be looking for this
    particular info for a very lengthy time. Thank you and best of

  • Hello,
    I am just getting into e-commerce…
    Can I get paid with my PayPal and will I be able to fulfill orders wth the payments made to my PayPal if the PayPal is of unsupported countries?

    • Hello Ajee,

      My apologies for the delayed reply. Somehow your comment was in spams.

      As you are in eCommerce field, I’d recommend using a different payment platform such as Stripe. Stripe is used by millions of e-commerce businessmen and it supports completely for most eCom platforms such as Shopify.

      You can’t use Payoneer along with PayPal to create a PayPal account in another country. There are some methods. But, they are a bit complicated. Contact me via email if you need any help on this.

  • Hi, Thank you so much for this valuable post, I’m looking into this for my amazon publishing business.
    I have a question, didn’t quite understood why should i become an affiliate for these us companies to be able to claim virtual bank account?

    • Hi Kate,

      If you are looking to open a US bank account for business purposes, you don’t need to become an affiliate. It’s for ones who don’t already have a business. It’s already mentioned in the post. Please let me know if you have any questions.

  • Umer Arif says:

    Hello, I have two questions.
    1- The master card which Payoneer provide is credit or debit card?
    2- In some places, we require to login to the bank with username and password. Can we get that from Payoneer?

    • 1. It is a Debit card that is connected to your Payoneer account.
      2. You will get checking bank accounts with details such as account number, routing number, etc.

  • Hi, Everyone,Am In search of a virtual bank account for the US.If you anyone provide these services or know any company. Kindly IB me.

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