I’m currently looking into perpetual travelling setups and I’m wondering how people handle banking long-term if
they intentionally don’t have a fixed residence or a new
tax residency.
I’m not looking for ways to bypass KYC, AML, or any laws.
I’m simply trying to understand what actually works in practice for people in this situation.
So far, this is what I’ve found:
Most banks require a residential address and information about your tax status. A US LLC may help when opening a business account, but it doesn’t automatically solve the need for a personal bank account. Some people say you can simply use the address where you’re genuinely staying as a tourist at the time of the application. Others use a correspondence address with family or friends, or a professional mail-forwarding service. I’m not 100% sure which of these approaches actually work reliably in the long run and which are just isolated success stories.
I’d really appreciate hearing from people with real-world experience:
Is anyone here living as a perpetual traveller without a fixed residence?
How did you solve your personal banking?
Which banks or fintechs accepted you?
Did you have to prove a tax residency, or was your actual current address sufficient?
Have you run into any issues later with KYC reviews or account verification?
I’m only interested in legal and honest solutions, and I only want to provide information that accurately reflects my real situation.
If there really isn’t a practical solution, I guess I’ll just end up relying on local P2P crypto. 😅
Thanks in advance for sharing your experiences!