If you’re living and working overseas, or if you travel often, you’ll want to consider an international bank account with a wide network of physical branches. Having a brick-and-mortar location to go to for your banking needs. Additionally, you can easily deposit funds, avoid expensive foreign transaction fees, and ask detailed questions in person. We will go over the best international banks with branches worldwide, and you can sort them by region.
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HSBC
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HSBC’s international physical presence is massive, with approximately 4,000 branches and offices in 65 countries and territories around the world. The bank provides several globetrotter-friendly services, including the ability to send money via wire transfer fee-free as well as move funds between HSBC accounts in multiple countries. If you’re relocating to another country, they’ll even enable you to open an account before you arrive.
HSBC Bank Premier Checking accountholders can benefit from:
- No annual fees
- No ATM fees worldwide
- No foreign transaction fees
- Up to 10 different currencies in your account, with no currency exchange markup
- Apple Pay and Google Pay compatibility
- Emergency cash up to $10,000 should your wallet be lost or stolen
- Premier customer support 24/7
To be eligible for the Premier account, you have to:
- Maintain a minimum balance of $75,000 in linked accounts with the bank, or
- Have monthly third-party direct deposits of at least $5,000, or
- An HSBC U.S. residential mortgage loan with an original loan amount of at least $500,000
HSBC Premier Checking
HSBC International Branches
| Region | Countries with HSBC Branches |
| North & Latin America | Argentina, Bermuda, Brazil, Canada, Chile, Colombia, Mexico, Panama, Peru, United States, Uruguay, Virgin Islands |
| Europe | Armenia, Austria, Belgium, Channel Islands, Czech Republic, France, Germany, Greece, Ireland, Isle of Man, Italy, Luxembourg, Malta, Monaco, Netherlands, Poland, Russia, Portugal, Spain, Sweden, Switzerland |
| Africa & Middle East | Algeria, Bahrain, Egypt, Israel, Kuwait, Lebanon, Libya, Mauritius, Morocco, Nigeria, Oman, Palestine, Qatar, Saudi Arabia, South Africa, UAE |
| Asia-Pacific | Australia, China, Hong Kong, Japan, Korea, Macau, Maldives, New Zealand, Singapore, Taiwan |
Citibank
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Citibank boasts more than 1,800 branches overseas, with a particularly robust presence in Mexico (operated by its subsidiary Banamex). The bank will offer a wide ATM network of approximately 45,000 machines across 30 countries. With a Citibank International Personal Bank Account, you’ll be able to make free international transfers to other Citi accounts. Not to mention, you can have foreign currencies delivered the next day to your home, office, or closest Citibank brance. Other highlights include:
- No monthly or yearly fees*
- No set-up costs
- No ATM fees worldwide**
- No foreign transaction fees
- International toll-free customer service number
*Minimum balance requirement.
**Owner ATM fees may still apply.
Citibank International Branches
| Region | Countries with Citibank Branches |
| North & Latin America | Canada, Chile, Mexico, United States |
| Europe | Ireland, United Kingdom, Poland, Russia |
| Africa & Middle East | Bahrain*, Egypt, United Arab Emirates |
| Asia-Pacific | Australia*, China*, Hong Kong, India*, Indonesia*, Macau, Malaysia*, Philippines*, Singapore, South Korea*, Taiwan*, Thailand*, Vietnam* |
Charles Schwab
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Charles Schwab offers 360 branches around the world, primarily in the United States and the United Kingdom. The High Yield Investor Checking Account reimburses all ATM fees you incur, and it doesn’t charge any foreign transaction fees either. Other features will be:
- No monthly or yearly fees
- No minimum balance requirement
- 24/7 online customer support chat
Charles Schwab International Branches
| Region | Countries with Charles Schwab Branches |
| North & Latin America | Canada, United States |
| Europe | United Kingdom |
| Africa & Middle East | – |
| Asia-Pacific | Hong Kong |
Fidelity Bank
Fidelity Investments runs 46 offices across 27 countries, including the UK and Ireland, India, Germany, and Canada. If you have an investment account with Fidelity, you can use your Cash Management Account debit card to withdraw cash with unlimited ATM fee reimbursements worldwide. Furthermore, you’ll be able to enjoy:
- No account fees or minimums
- Wide ATM access to more than one million ATMs worldwide
- A relatively small foreign transaction fee (1%) for non-U.S. dollar transactions.
- 24/7 support via phone, as well as live chat and Twitter.
Fidelity International Branches
| Region | Countries with Fidelity Branches |
| North & Latin America | Bermuda, Canada, United States |
| Europe | Germany, Ireland, Luxembourg, United Kingdom |
| Africa & Middle East | – |
| Asia-Pacific | China, Hong Kong, India, Japan |
Best International Banks with Branches Worldwide by Region
| Region | Best Banks with Branches Worldwide |
| North America | HSBC, Citibank, Fidelity, Charles Schwab |
| Latin America | HSBC, Santander, Citibank |
| Europe | HSBC, Credit Agricole, Santander, Barclays, Standard Chartered, Charles Schwab |
| Middle East | HSBC |
| Africa | HSBC, Societe Generale, Attijariwafa |
| Asia-Pacific | HSBC, Standard Chartered, Bank of China, ICBC |
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Impressive article! Yours is the first I’ve seen that lists the names of the countries where the banks have a physical presence.
One oversight, though: You forgot to list the United Kingdom as one of the countries in Europe where HSBC has a physical presence.