KYC-Prüfung bei US-Banken: EU-Bürger Compliance Guide

Meta: KYC Know-Your-Customer. Dokumente, Verifizierung.

Introduction: KYC is Your First Hurdle

KYC Prevents Terrorist Financing and Money Laundering. As a Non-Resident, You Appear Suspicious.

What is KYC?

Identity Verification: Who Are You?

Beneficial Ownership: Who Owns It?

Source of Funds: Where Does the Money Come From?

Required Documents

1. Passport/ID (Valid 6+ Months)

2. Proof of Address (Bank Statement)

3. ITIN or SSN

4. EIN Confirmation

5. W-8BEN (Charles Schwab)

6. Selfie with Passport

Address Trap

Problem: Proof of Address and Bank Address Don't Match.

Solution: Be Honest. Use Your European Address If That's Where You Live.

DO NOT: Fabricate a US Address

Selfie Verification

KYC AI Checks Metadata. Location Mismatch = Flagged.

Option 1: Be Honest About Your Location

Option 2: VPN with US IP (Gray Area)

Option 3: Travel to US Address (Best)

W-8BEN for Charles Schwab

Tax Form for Non-Residents.

Part I: Name, Date of Birth, Address (MUST Match Passport)

Part II: Country Code

Line 4: ITIN

Common Rejection Reasons

Names Don't Match

Proof of Address Too Old

Selfie: Too Dark

Address Mismatch

If Your Account Gets Frozen

1. Call Support Immediately

2. Why Is It Flagged?

3. Submit Missing Documents

4. 5-10 Days for Review

KYC Success Tips

Gather Documents BEFORE Applying

Digital + Printed Copies

One Address Everywhere

No Fabrications

Contact Support Beforehand

Schedule a Strategy Call with CANVENA.