Cosa è una residenza Fiscale ?

La residenza fiscale è il “luogo in cui la persona ha la sua dimora abituale” mentre il domicilio fiscale è il luogo stabilito dalla persona, come sede principale dei suoi affari e interessi e come luogo per ricevere la notifica di tutti gli avvisi e comunicazioni ufficiali dell’Agenzia delle Entrate.

Perchè è vantaggioso chiedere una residenza fiscale ?

È vantaggioso possedere una o più residenze fiscali per la possibilità di gestire un´attività offshore o differenti attività offshore coordinandole con il fisco più idoneo a quella attività. Non è una semplice questione di pagare più o meno imposte, ma di poter avvantaggiarsi di Free Trades, sotto forma di convegni, trattati di libero scambio e anche imposte differenti e spesso pari a Zero. Per il soggetto provato invece , una residenza fiscale gli permette di decidere dove essere tassato ed in base a cosa, ritenendo un luogo più opportuno rispetto ad un altro.

Devo aprire una società per fare la residenza a Panama ?

lL convegno a cui, voi, come italiani vi rifarete per chiedere la residenza permanente a Panama si chiama ” Trattato di Amicizia ” in termini gergali e ufficialmente ” Convegno di Commercio e Navigazione Panama Italia”. Come noterete il nome legale fa enfasi sulla parola commercio e navigazione. Il convegno fu creato per garantire due cose : la residenza e poi la cittadinanza a Panama degli Italiani. Per ottenere la residenza e poi avere diritto alla cittadinanza, gli Italiani devono dimostrare un legame ” Commerciale” con la repubblica di Panamá. Questo obbliga all’ apertura di una società di cui voi siate unicamente i veri proprietari e unici azionisti ( o azionisti al 50%) di una società, una e una sola .Questo requisito spesso viene non compreso o volutamente omesso da advisor da strada, come chiamati a Panama, ovvero le ultime risorse che cercano clienti , il cui scopo non è di garantire un procedimento legale di trasferimento a Panama, ma lucrare sulle spalle dei poveri clienti che per risparmiare sulla società accettano il rischio . Cosa succede ? Essenzialmente il cliente non paga la società, ma solo il procedimento legale per l’ ottenimento della residenza . Il suo advisor forse solo una front page di qualche studio legale poco fortunato, utilizzerà una società riciclata centinaia di volte cambiando le azioni della stessa a nome dell’ ultimo malcapitato. Il malcapitato procederà all’ ottenimento della residenza che inizialmente gli verrà fornita. Dopo 1 o due anni a una consueta revisione della migrazione, si scopre che la stessa società di cui il cliente non ne sapeva nulla viene messa in black list per i troppi casi di clienti divenuti residenti tramite la stessa residenza . Il risultato , annullata la residenza, e impossibilitato a riottenerla per il resto della sua vita. Peggio se si arriva allo scadere dei 5 anni, e alla richiesta di cittadinanza si effettua la revisione dei requisiti passati e si scopre se non si è fatto prima il caso di negligenza voluta ma occultato al cliente. Ecco quindi un tipico caso di ” offerta last minute” in cui cadono in numerosi.

Open US Bank Account

Opening a bank account in the United States can be opened both online and physically. If the US account is a personal and non-corporate account, it must be opened locally with an on-site presence, and requires: local address no POBOX, valid passport, 150 USD in cash. To remedy the on-site presence, request the ITIN number with us .
If US account is in company name Requires EIN, Employer Identification Number, and lately as of 2023 some banks start asking for personal ITIN of LLC member
To open a corporate bank account in the United States , LLC Open in the United States .
Requires LLC Operating Agreement and Articles of Incorporation and Certificate of Incorporation plus IRS SS4 which includes your EIN. Don't be scared, all these documents are produced by us at your LLC order with our corporate department.
It requires a US Business Address that we can provide and a mailbox address where to send the debit and credit cards, we can also solve this for you, at a separate cost. If you want to acquire a corporate address we can offer you what you want. The personal account requires an address which we can provide.
Requires 15/20 minutes in the Branch or for corporate accounts, opening without presence if you hire us as manager of the LLC. If you want to be a manager and/or member, you need to be present at the branch.
Documents required to open account : Passport only, and ITIN number, proof of local address for personal accounts. Passport and corporate documents on behalf of LLC , plus EIN , NAICS number , and in some banks ITIN . You need company address.
Useful link: Federal Reserve
Our Banking Partners that we highly recommend are : CHASE BANK & BANK OF AMERICA . Contact us to open both personal and business accounts with these institutions to guarantee you all the assistance required and to know precisely the requirements on the date of your request that each institution requires.

How to open an account in the United States

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How to open an account in the United States

How to open a current account in the United States from Italy?

Opening a bank account in the United States is a smart choice for doing business with an LLC. Opening a US current account online is a feasible option for corporate accounts, i.e. in the name of an American company. It becomes even more immediate when asking to open a current account in the United States from Italy is the account holder of a personal account in the United States, in this case we are talking about account openings within a few hours of the request. Opening a bank account in America is now a recurring request from all digital nomads. In some cases it is possible through American banks operating in Italy to open a corporate or personal account but these are cases subject to difficult approval. A personal online US bank account requires an ITIN Number and select only specific institutions to open it from Italy without traveling. The rule is presence on site. You can request the ITIN number with us without traveling to the USA. We open both personal and corporate physical US current accounts in two specific cities in the States: San Francisco, CA, and Miami, FL, . The accounts we open in US banks are 100% accounts with the major banks in the world. We open both personal and corporate accounts. Your presence is not required to open company accounts at all times when we act as manager of the firm, but this is particularly expensive and not appropriate for the majority of clients.

Why open a bank account in the United States?

Opening a bank account in the United States allows you to access the financial, stock and trading markets at the best institutions in the world as well as access to American credit, very easy to obtain if you have a personal ITIN in the case of personal accounts or EIN and ITIN in the case of a US LLC. You can then on your own without our help open a personal US bank account simply by possessing an ITIN and a verifiable US Mailing Address (an invoice in your name on that address) and contact specific banks through our intermediary. Otherwise we require your presence on site and the payment of the operating cost to open a physical bank account in the United States, i.e. present in the branch of the American bank. Opening a bank account in the United States of America is essential in order to operate with a United States of America LLC. An American LLC company will hardly open an account outside the United States, due to FATCA, unless you show up with a capital of at least $1 million. In that case some banks, especially in the Caymans and Panama will make the due exceptions. The reason no overseas bank wants to open LLC accounts is to struggle with forms and forms to stay in good standing with the American IRS. FATCA and other mandatory reports, such as AML and Fincen are just the tip of the iceberg.

With Studio Panama Italia you can: ask for your EIN and/or ask for your American ITIN without traveling to the USA

How to open bank account in USA

How to open a bank account in the United States is the most frequently received request to our emails. It therefore becomes automatic and obvious to want to open an account in a bank in the United States of America and to want to know how to open an account in an American bank. Banks in the United States of America are extremely sophisticated and provide efficient and fast services. They enjoy a privilege of no small account. Being American banks on the soil of the United States of America, they expressly enjoy banking secrecy for non-resident foreigners with both personal and corporate accounts. The banks of the United States of America do not recognize the reciprocity of the exchanges of bank information foreseen by the FATCA on the American citizens or American residents with accounts abroad. Opening an American bank account therefore becomes not only a need due to the impracticality of being able to do it elsewhere through one's LLC, but also a great possibility given that there is no more secret and anonymous nation in the world as regards current accounts. To open a bank account in the USA we can provide you with the necessary intermediation to have it opened in an hour.

What to know to open a US account for your company

To open a US corporate bank account, your name does not need to be on the Operating Agreement, and you do not need to be a member. Better to open it as a manager of the LLC with a full discharge of liability. We open LLC accounts of any state, therefore in the same bank office without the need to travel to other states. Our checking accounts are open in Florida in Miami and in San Francisco , California. The banks where we open are various and therefore by contacting us you will be able to find out which bank is most suitable for you. We open bank accounts in the United States only for LLCs opened by our firm, or alternatively for private clients. We do not open US bank accounts, personal for capitals of less than 50k USD, so for any other value below this threshold we do not accept the assignment. The bank accounts we open offer secured credit cards, and then unsecured, debit cards and the entire online platform to operate financially in forex and funds. We receive by appointment in San Francisco , California and Miami Beach , Florida .

In addition to opening your bank account in the USA, you will probably be interested in creating a life insurance policy on your taxation, taking up a second tax residence, in a country with territorial taxation, such as a residence in Panama or a residence in Paraguay

You'd also be tempted to find out what advantages moving to the Mexican economic giant would have, taking up residency in Mexico

How to open an account in USA for your LLC :

To open a US bank account for your LLC, you need to open a US business account with a US bank. The basic requirements are :

An LLC incorporated by us
An LLC that has an EIN requested from us with your first and last name written on it
An LLC that has a clear Operating Agreement with your name on it
An LLC with a mandatory NAICS number since it is now mandatory for any American bank to request it to the opening deed
Business Address and Personal Address of the LLC member (separate costs are provided by us)
Some banks expressly ask for a staff of the company's member staff, you can ask us online without traveling to the USA.

Procedure for opening a bank account for an American company, LLC or Corporation USA

Here is explained the practice of opening a bank account in a US bank for a United States company. In general, the practice described is suitable for opening an account in the United States in the name of the most classic of United States companies opened by non-resident foreigners : the LLC .

At the bank, bring your passport, United States company opening documents ( LLC ), then Certificate Of Incorporation, Operating Agreement, Certificate of Organization, EIN , NAICS Code .

Present a business address, usually the same as on the organization certificate. Present an email / physical address where you actually operate ( where you keep the books for example ) . To open an account in the United States you need an ITIN which is now required by almost all banks, now since 2023 CHASE, Bank of America, Choice Financial Group, Wells Fargo have been asking for it. Our banker, in Italian (we have one of our Italian partners who work in the bank, so they will open your account speaking Italian bypassing any linguistic gaps) will open your account easily in about 30 minutes, you just have to sit down and wait as well as answering any questions for the online form that makes up the banker with the requirements described above (essential). Once you have opened your bank account in the United States of America, you will receive a debit card (ATM card) and if you have an ITIN registration, possibly your first credit card. Both debit and credit cards must by law be sent to a physical address, the same one you will give to the American bank when opening an account in the USA.

The Best US Neobanks

Knowing what are the requirements to open an account in the United States, for various reasons one is not always willing to travel to the States for this purpose and therefore in the background they can be considered valid alternatives to open an account in the United States.

Neobanks satisfy some and often all of the need for a bank account in the United States.

Neobanks are state-of-the-art banks that emphasize these parameters:

American bank with a purely or almost totally online presence
Speed of account opening in the United States and speed of acceptance or denial of American account opening
Bank of the United States account opening procedure directly online
Maintenance costs, and receiving money, sending money, and Forex much lower than the traditional American bank
American Bank with the possibility of multi-currency accounts, sending anywhere via rapid remittance
Much more transparent in terms of costs and procedures than traditional American banks

CHIME :

Chime is an American neobank. With 12 million customers and positive reviews since its founding year, 2013, the American digital bank Chime offers a perfect bank account for all Americans, non-Americans, residents and expatriates with first residence permits in the United States. It does not accept foreigners who are not yet resident in the States.

JUNO :

JUNO is an American fintech neobank, offering digital and physical paper and deposits as well as access to the crypto market. Very young and therefore still with few reviews.

CURRENT :

CURRENT is another American digital bank with good performance as an online wallet and simple current account options.

WISE :

The non plus ultra when you cannot travel abroad and necessarily require a full-featured online bank account. It allows for both personal and business accounts. An excellent account with both USD + SWIFT accounts that allow ACH deposits and IBAN accounts for SEPA deposits. It acts as a remittance provider with excellent costs and speed of execution which in certain countries such as the USA, Canada and Mexico are instantaneous.

It is better to read their Policy carefully on what is possible and what is not, I risk seeing the account blocked and closed forever, not the best option for those who work on accounts in countries such as Panama, Paraguay, etc.

REVOLUT :

Like Wise , same services but unlike Wise requires presence on American territory for business accounts , proof of domicile is required

MERCURY :

This is a 100% online bank, but with all the features you would expect from a bank of the caliber of Bank of America, but 100% online

IMPORTANT NOTE : Mercury is not a simple neobank, it is a real account in the United States, which can be used through CHOICE FINANCIAL. FDIC Guaranteed.

Open bank account in USA with Mercury

Studio Panama Italia, through our American platform Expat Brokers LLC, managed to obtain an immediate and rapid procedure of a few hours for the often instantaneous opening of its new bank account in the USA. All you have to do is just open an LLC with us and then you can on your own without spending on the account opening cost, proceed to open the Mercury USA bank account through our Introduction Link:

https://app.mercury.com/r/expat-brokers-llc

This link is valid for all those who make transactions exceeding 10,000 USD within 28 days of opening, it is therefore a link dedicated to speeding up the process and putting you ahead of all the others who are opening an account with Mercury only if within 28 days of opening When opening an account, deposit at least 10,000 USD.

Otherwise you can take advantage of our opening costs of 850 USD if you want us to open the account for your LLC. The Mercury Bank Account is a real bank account, just like any other bank account in the United States. The Mercury bank account is also the only true American bank account that can be opened online remotely without traveling to the USA. Opening a Mercury bank account guarantees security, thanks to the best banking technologies adopted and thanks to the economic strength of the mega American banking group to which it is part, Choice International. Mercury Bank offers the opening of a bank account for your company directly online, in privacy and security. Millions of customers rely on Mercury bank and the sophisticated solutions it guarantees. All Europeans are extremely welcome at Mercury bank. Mercury bank guarantees the opening of bank accounts to all Europeans who own an American LLC. Not only does Mercury open an account to everyone and not just to Europeans. Americans can also open an account with Mercury. Furthermore, only Mercury allows you to easily start a corporate credit history with your new American LLC. In fact, by opening an account with Mercury Bank you can obtain a credit card that scores with American credit agencies.

The characteristics of the bank account in the United States

But how does an American bank account work? What are the characteristics of an account in the United States?

The bank account in USA operates in the same way as any other bank in the world. Receive money in any currency and convert it into USD before automatically crediting it. International wire transfers to the US bank require entering the SWIFT information corresponding to the US bank and the account number of the US bank in the name of the beneficiary of the account (you or a company, etc.). Therefore, transfer for example from Italy to a US account requires:

Name Beneficiary of the account in the United States
US bank SWIFT number
Payee's US bank account number
Decide whether the costs are shared (SHARED) or whether to send everything at the expense of the Beneficiary (you have to ask the beneficiary if he accepts) or everything at your expense

If instead you have an account in the United States and you want to transfer to another account in the United States or you want to have a transfer from a US account of your client to your US account ( personal or business ) , then the ACH method will be used . ACH stands for Automated Clearing House , and is the first method of sending funds electronically , called EFT ( Electronic Funds Transfer ) in the United States and throughout the Americas. What is needed to make a transfer in ACH?

Account in the United States of the Sender of the Transfer
US account of the transfer recipient
Beneficiary account number
US Account Beneficiary Routing Number .

The routing number is a 9-digit code that identifies the recipient's US bank. Each bank has two routing numbers, the routing number for electronic submissions (such as ACHs) and the routing number for manual transfers (almost never used and of no practical interest to you).

Other characteristics of the bank account in the United States are:

Access online and via app
The token for transactions takes place via code sent to your telephone number (better to get an American number, excellent Google Fi ones)
A second security factor can be the token via email or alternatively physical
US bank statements are online only in PDF

What is SWIFT code

SWIFT is a code that identifies the name, headquarters and type of currency of the bank receiving the money. It is used to globally identify banks and financial institutions. It is also referred to as BIC. The SWIFT code must be used every time you prepare to make an international transfer. The international wire transfer is a transfer of money from a bank in one country to another bank in another country outside the European community. ( In Europe the swift is not needed when making transfers between accounts in the same Europe, the IBAN is used instead ) . So every time you open an account abroad outside Europe, to receive money into that account from other foreign countries, you must give your SWIFT number to the customer who will pay you, for example from Italy. The SWIFT code is used only for international transfers between banks in different countries. Even when you have an account outside Europe and you want to send money to a bank in Europe, for example in Italy, the Italian bank, in addition to the IBAN which is used to receive money between only European accounts, will have to clarify its SWIFT number to receive the money in addition to the account number . For example, if you send from the United States to an Italian bank, let's take the example of UNICREDIT BANCA, then you will have to use the Unicredit Banca SWIFT code which is UNCRITMMXXX

▶︎ The best 2 US banks to open an account

We have our 2 best exclusive partners for opening bank accounts and we offer you the two best possible options on the market. It will be difficult to find better than this. We have personally established a referral relationship for our customers at two banks. The two banks represent two distinct options for those who decide to travel to the United States to open an account personally or for those who do not want to travel and decide to open an account remotely.

For those who decide to travel to the United States and open a local bank account, we offer by clicking on the following link the possibility to open an account and receive a 300 USD deposit bonus after your first opening deposit of 2000 USD. Note that if you are a non-resident foreigner, click the option to open in Branch and not online since you cannot. Open an American bank account at CHASE BANK with promotion
For those who decide to open remotely and feel capable of not making mistakes in the procedure and therefore prefer to do everything online without our help, you can open a bank account in the USA with Mercury Important, you must deposit a minimum of 10 thousand USD within 30 days to be able to open an account referenced by us. Open American bank account at Mercury with promotion
Otherwise, contact us either for the local account opened at CHASE, where we will open an account for you with an Italian banker who works at Chase and where you will open an account speaking Italian or at Mercury through our service, the costs are separate and start from USD 850 to USD 2000 depending on your account and preferences

SWIFT codes for American banks

Here are the SWIFT codes of the most important banks in the United States

CHASE BANK SWIFT :

JP Morgan Chase Bank's SWIFT code is CHASUS33XXX

BANK OF AMERICA SWIFT :

Bank of America's SWIFT code is BOFAUS3NXXX

WELLS FARGO SWIFT :

Wells Fargo's SWIFT code is WFBIUS6SXXX

US BANK SWIFT :

The US BANK SWIFT code is USBKUS44XXX

TD AMERITDRADE SWIFT :

TD Ameritrade's SWIFT code is AMLEUS41XXX

CITIBANK SWIFT :

CitiBank's SWIFT code is CITIUS33XXX

HSBC USA SWIFT :

The SWIFT code for HSBC USA is MRMDUS33XXX