Without going there?
Only Canada or UK
Thanks
Only Canada or UK
Thanks
-
-
Comment -
JJ, contact X (mod at rx) she may help u outComment -
Sammy?Comment -
Originally posted by jjgold
Xpanda, she posted a long list of banks u can open an acct with from ur computerComment -
thanks SammyComment -
You have to be a resident of Canada and UK
To open a bank accont in Canada or the UK you must be a resident. The interesting question is how is resident defined.
You must have an address in these countries and be their legally.
I have heard that one can be a seasonal visitor to Canada for up to six months per year as long as they maintain their permanent residence in the U.S. and do not work. Someone like this who has a vacation home in Canada - and can proove it - or an apartment lease may very well be able to get a provincial id card, and use that to get a bank account.Comment -
Louis,
That is absolutely positively not true.
Canada will open accts for US citizens. The UK, and the rest of Europe - you must show need (Own vacation property, work there, etc)
Royal bank of Canada, CIBC, HSBC, and Bank of Montreal will all open accounts utilizing your US address. By law they must use the address on your ID. You will need a passport and ID with address. HSBC is the only one that claims to report to the IRS, but obviously, who knows about that.
About a week ago the manager at RBC in Windsor near the bridge said he normally opens 1-2 US accts/week. Last week he opened over 100 and wanted to know what was up.
SeanComment -
Damn, I wonder why.Originally posted by increasedodds
Comment -
If you are a US citizen resident in Canada how do you get a Canadian ID?Comment -
Sean, respectfully disagree
I agree you don't have to be a Canadian Citizen.
But you have to be a Canadian Resident.
My conclusion that you must be a Canadian Resident (that is live in Canada) is based on the ID requirements to open up an account that seem to be posted on all the banks websites.
The banks require two ids, one from schedule A and one from schedule B. The IDs on Schedule A are all Canadian ID's - licenses, SIR cards, etc. etc. I suppose somone who is not a resident may be able to get one of these - with a Canadian address. The IDs on Schedule B includes foreign passports and licenses.
Provide a link to a bank that includes U.S. ids on the list of Schedule A, and you may change my mind.Comment -
Do you have to go to Canada to open up the account?
Can I do it from NJ?Comment -
how do you know that HSBC will report to the irs?Originally posted by increasedoddsComment -
Yes, you have to go to Canada
JJGold, you have to go to Canada to show them at least one Canadian ID in person.
The only exception is if you already have an account in a Canadian bank, you can write a check on that account to open up another account and won't have to go there.
Make sure you can get one of the ids on schedule A before going, or you will be dissapointed. Schedule A has already been predetermined by the Canadian government so it doesn't differ much from bank to bank.Comment -
How do I know?
I know because Xpanda called all the major Canadian banks and asked if US citizens could open accounts and whether or not they report to US government agencies.
The three that do allow US citizens and do not report are:
CIBC, RBC, Bank of Montreal.
I could care less if they report, as I pay taxes, but why stir up trouble...
They will only use the address on your license per Canadian law (You can change it later on the phone they told me), but what does that matter?
I have no lists of IDs... I called the banks and then I went and visited them in Windsor. They ask no questions... Thousands of people live in Detroit and work or party in Windsor.
The ID rule online is different than in person. Online, you must have a Canadian ID or US passport (Check HSBC.ca) and if you use a US passport online, you must fund the bank accoutn with a Canadian check.
If you go to Canada, a US passport and Drivers license works. The bottom line is you must physically step foot in a Canadian Bank or Canadian Passport Agency or Canadian DMV once before you can open bank accounts online. (HAving the ID or in HSBC's case, a previously opened Can acct proves it)
The three ATM cards given to me instantly and sitting on my desk make me 100% sure that this is true.
The bottom line is if you have a Canadian bank, Canadian IP, Canadian Phone, and Canadian Neteller account, you are Canadian. If it looks and talks like a duck, it is a duck.
-SeanComment -
Rbc In Nc
So if I go to a RBC bank in N.C. and open an account, then change my address to a canada address.....would that work as well?????I could just fill out a mail forwarding form and have all the mail that was sent to my canada address forwarded to my N.C. address. But I would still need to get a Canada ID to process a cashout.....Thats when I go online to Fluxcards and have them make me one. Any thoughts?????How do they track you IP address???will they know im in NC??? Any thoughts or ideas are welcome.Comment -
To be honest...i am not an expert or anything...but it would seem a lot easier if you knew someone in another country who could set things up for you. Seems like way to many hassles and dead ends if you try to open up one yourself.Comment -
Nope...
THE RBC in the US is a US bank. Just like HSBC is a US bank and barclay Bank in the US is a US bank. If you open here, the routing number is 9 digits.
If you open in Canada, it is 8. When you open NT in Canada,you only get 8 spaces.
SeanComment -
You need 3 things:
Canadian Bank
Canadian IP (Dialin or proxy)
Canadian Phone number
Don't really need an address, but could be convenient to have one.
Now if Congress reintroduces that other act to make the act of betting illegal, then the party is over.Comment -
Thanks Odds....
great info. thank you. looks like I gotta head up to windsor. Not an awful trip.Parents live in Motown. Its just so dmn cold up there this time of year....LOL....
MAXComment -
Im screwed
INCREASE.... How the hell do i get a damn canada phone #
how do i get a canada IP address.??????Comment -
I grew up about 30 minutes from there...nice city. However, their sportsbook is an absolute joke.Originally posted by MAXWELLComment -
i heard that as well
thats what i here . they only take 2 team parlays. WTF is that.Comment -
Originally posted by MAXWELL
The idea is good b/c Windsor is right near the detroit metro area. However, a max of $200 bets coupled with mandatory minimum of a parlay 2 is the dumbest thing i've ever heard of.Comment -
You have lots of options.
There are many prepaid Canadian cell phone companies. When you are up there, ask around. You will want one that works outside Canada.
The other option is VOIP. (Voice over internet phone). Some companies will let you pick your number (Canada, Europe, etc) for a fee.
For IP address, the easiest, but slow way is to find a dialup like earthlink (They have numbers in Canada)
Fast is a proxy or dedicated computer in Canada, but much more technical.
Remember, you only need the Can IP when making neteller transactions or using a book not taking US people.
SeanComment -
canadian law only allows sports bets on 2 or more things at once (A lottery)
Now why they pay 2 to 1 is ....
SeanComment -
And when you come back from Canada after 90 minutes - be prepared to be drilled by customs...Comment -
Originally posted by increasedodds
But sir...I just went over to gamble in windsor. I just happened to get a new cell phone and a new bank account.
Thank you for the advice. The dial up is genius!!!!!
MaxComment -
My conversation went like this:
Why were you here?
To go to the casino?
Where do you live?
Miami
So you came here to go to the Casino for 2 hours?
Yes sir.
Did you have any other business in Canada?
(Not knowing if they monitor banks...)
Yes, I opened some bank accounts.
Why?
Well the American dollar is going down faster than my girlfriend, sir.
Laugh...
So you came all the way from Miami?
Yes.
My brother is at Umich and I thought I'd see him for the weekend.
Customs guy thinks for a bit.
I say... Come on, the only thing I have in this car is a bag from Wendys... Either search it or let me go.
Go ahead...
And that in comparison to when I drove into Canada-
Where are you from? Miami.
Go ahead...Comment -
required id to open account in canada
I read the thread by xpanda and I'm not convinced. Calling up a bank and saying can a US citizen open up an account, you need to be sure the bank isn't assuming the US citizen is legally residing in Canada when they say "yea sure".
The fact is there are regulations in Canada that all banks must follow concerning what ID is acceptable. This ID is required regardless of whether or not the account is opened online or not. If anyone wants to know what is required, check out settlement.org and do a search on bank accounts.
I know that Windsor is accross the river from Detroit, and people party there. They also party in Niagra Falls Canada.
If you were able to go to Windsor and open up bank accounts, I'll take you at your word, but the banks were not following the regulations. If the banks in Windsor are not going to follow the regulations then absolutely head on up there. Its worth a try, and I certainly will the next time I'm there in Detroit next month, and I will let you all know how it goes, but I'm not optimistic.
Getting a driver's license certainly is possible with U.S. ID but you have to lie on the application and tell them you are living in Canada, which is a crime.Comment -
Requirements to open a bank account in Ontario
This is from settlement.org, and pretty much matches all the bank websites, include royal bank of canada:
Acceptable Identification When Opening a Personal Bank Account
When you are opening a personal bank account, you need to show acceptable identification. You can use:
any two pieces of identification from List A or List B below, one of which must be from List A; or
one piece from List A below, if your identity can be confirmed by a client in good standing with the bank or by a person of good standing in the community where the bank is located.
This identification must be original (not a copy), valid and in good condition.
List A
Acceptable pieces of identification are:
a valid driver's licence issued within Canada;
a current Canadian passport;
a Certificate of Canadian Citizenship or Certification of Naturalization;
a Permanent Resident Card
Citizenship and Immigration Canada Form IMM1000 or IMM1442;
EDITOR'S NOTE
Some banks indicate on their web site that the Confirmation of Permanent Residence (IMM 5292) document is acceptable identification, while othes do not. The Confirmation of Permanent Residence (IMM 5292) is NOT a permissible form of identification under the federal law. Some financial institutions may choose to accept this as a form of identification during the account opening process, some may not.
However, the Financial Consumer Agency of Canada (FCAC) has indicated to us that, if the IMM 5292 is refused as acceptable identification when trying to open a bank account, there is nothing they could do for you.
Contact the bank you wish to open an account with directly to find out more. Here is a list of banks that indicate, on their web site, that they will accept the IMM 5292 as acceptable identification:
Royal Bank
Scotia Bank
a birth certificate issued in Canada;
a Social Insurance Number (SIN) card issued by the Government of Canada;
an Old Age Security card issued by the Government of Canada;
a Certificate of Indian Status issued by the Government of Canada;
a provincial health insurance card; or
a document or card with your signature and photograph on it issued by:
the Insurance Corporation of British Columbia;
Alberta Registries;
Saskatchewan Government Insurance;
the Department of Service Nova Scotia and Municipal Relations;
the Department of Transportation and Public Works of the Province of Prince Edward Island;
Service New Brunswick;
the Department of Government Services and Lands of the Province of Newfoundland and Labrador;
the Department of Transportation of the Northwest Territories; or
the Department of Community Government and Transportation of the Territory of Nunavut.
List B
Acceptable pieces of identification are:
an employee identity card with a photograph from an employer well known in the community;
a signed automated banking machine (ABM) card or client card issued by a member of the Canadian Payments Association;
a signed credit card issued by a member of the Canadian Payments Association;
a signed Canadian Institute for the Blind (CNIB) client card with a photograph; or
a current foreign passport.Comment -
I know nothing about banking law of Canada. I imagine the banks in Canada know more than we both do. I can only go on what they told me on the phone and in person (And what they have told a lot of other people on the phone and in person)
Maybe because these 4 banks have US branches they get an exemption. About 75% of Canadian banks do not open accts for US citizens. I know that CIBC, RBC and HSBC have US branches. I am not sure about RBM.
All that I do know is:
If you call any of these 4 banks, they will tell you a US passport and license is fine.
If you go to 3 of the 4 banks (I do not know about HSBC) they will open an account without asking any questions. One guy even asked me if I liked the Pats or Colts (He was Irish and from Boston and obviously knew what was up)
If you open an account there, they will only use the address on your ID.
Maybe they all assumed I lived in Canada, but not one asked and not one used a Canadian address. It is so different than the US. In the US when you do anything in a bank, they file a suspicious activity report. In Canada, they actually want your business and treat you like a customer.
They hand you the routing and account number on the spot and your ATM card.
US checks to Canada clear in 5-15 days. (15 at first). Wires clear instantly.
Two of the banks told me if I do not move at least $100 into or out of the account for several months in a row, the banking consulate will close a US account and mail you a check... You have to keep it active - a monthly ATM withdrawal or check deposit will do that.
I am reasonably convinced of all I was told and shown.
If you are not convinced, then that's ok.
-SeanComment -
Thanks for the information
Calling them on the phone doesn't convince me, either you or xpanda, because it is so easy for them to make assumptions and the person being spoken to not the same person who actually sets up accounts.
But the fact you were actually able to set up the accounts does in fact convince me, and is valuable information.
It convinces me they are either being sloppy and not following the regulations (most likely) or there is some loophole I'm not aware of (less likely in my opinion).
I will be in Detroit next month and will be in Windsor with my US passport, driver's license, and address and will give it a try.Comment -
Seems easier just to get a credit account with a local agent or set up an account offshore and you do not have to go there.Comment -
The Royal Bank of Canada told me they have 1000s of accounts for people living in Detroit. I think a loophole (Having US branches or something) is much more likely than the banks simply breaking the law.
But regardless of the reason, if you want a Canadian bank account, it simply means going up there.
I also heard you can get a Canadian state ID at the DMV, but have no idea if it is true. You can also get an international drivers license for about $150. Many countries are not like the US. They welcome people with open arms and few questison.
To Canada, a US passport and a few grand coming in means you are gonna spend money in Canada and are prob not a bad guy.
SeanComment
