USD Bank Account acceptable to US Social Security and managed from UK

JemDrummond

I have read other related posts and they don't quite see my current issue:

I need to set up a bank account that I can manage on behalf of my Mother in USD. It must be able to receive regular payments from US Social Security. I am resident in the UK and a British citizen. I am her power of attorney and also now registered payee (Soc Sec status).

I am currently struggling because US banks want a proof of US address which I dont have.

I am not sure Wise will work as it is technically not a bank or credit union.

Any ideas gratefully received.

Mark_d

I believe Wise would work because although your main Wise account might be in the UK, they can give you a subsidiary account based at an address in the US.  I've used an arrangement like this though not dealing with US Social Security

Brie

An international bank perhaps?  Chase? JPMorgan?  Maybe there's someone operating on the Channel Isles or Isle of Mann that will understand your situation better than a regular high street bank in the US or UK.

wmb194

JemDrummond said:

I have read other related posts and they don't quite see my current issue:

I need to set up a bank account that I can manage on behalf of my Mother in USD. It must be able to receive regular payments from US Social Security. I am resident in the UK and a British citizen. I am her power of attorney and also now registered payee (Soc Sec status).

I am currently struggling because US banks want a proof of US address which I dont have.

I am not sure Wise will work as it is technically not a bank or credit union.

Any ideas gratefully received.

Try Wise. Wise itself may not be a bank but it uses a US bank for its USD account, namely Community Federal Savings Bank (ACH 026073150).

https://bank.codes/us-routing-number/026073150/

https://wise.com/us/routing-number/transferwise

Voyager2002

JemDrummond said:

I have read other related posts and they don't quite see my current issue:

I need to set up a bank account that I can manage on behalf of my Mother in USD. It must be able to receive regular payments from US Social Security. I am resident in the UK and a British citizen. I am her power of attorney and also now registered payee (Soc Sec status).

I am currently struggling because US banks want a proof of US address which I dont have.

I am not sure Wise will work as it is technically not a bank or credit union.

Any ideas gratefully received.

Does she not already have a US bank account?

If so, if you could find some way to persuade them to accept your PoA that would be far simpler than finding a bank and then finding out whether or not US Social Security accept it.

DullGreyGuy

JemDrummond said:

I have read other related posts and they don't quite see my current issue:

I need to set up a bank account that I can manage on behalf of my Mother in USD. It must be able to receive regular payments from US Social Security. I am resident in the UK and a British citizen. I am her power of attorney and also now registered payee (Soc Sec status).

I am currently struggling because US banks want a proof of US address which I dont have.

I am not sure Wise will work as it is technically not a bank or credit union.

Any ideas gratefully received.

Where does your mother live?
Do these payments have to be made into an account in her name?

Have you tried registering your LPoA with the bank? Varies by country but generally overseas accept UK docs with a certified copy of the LPA, signed off by a notary public with an apostille (a special sealed certificate) attached by the Foreign and Commonwealth Office

JemDrummond

All good comments and help.
My Mother lives in UK. She had a bank account but it was shut down (another saga).

I will add to this thread with whatever way I succeed.

eDicky

What exactly are the requirements being made by US Social Services regarding the receiving bank? Does it have to be located in mainland USA with a routing code, or can be elsewhere, Puerto Rico, Jersey, Singapore..?

eskbanker

JemDrummond said:

My Mother lives in UK. She had a bank account but it was shut down (another saga).

Is the reason for that account being shut down known?  It may be relevant to attempts to open a new one, if, for example, she has a CIFAS marker....