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How Expats Can Cash Checks From the IRS While Abroad

How Expats Can Cash Checks From the IRS While Abroad
Ines Zemelman, EA
26 May 2021

Tips for expats to cash checks while abroad

If you are able to use direct deposit, more power to you and this article is not for you. If you are in the US, cashing checks is easy, but if you are residing abroad, it may prove difficult in some cases.

While we are not a financial institution, we have compiled a list of helpful tips to help ensure you can utilize the funds sent to you from the IRS.

Deposit to a bank account if they accept US checks

The following banks accept U.S. checks:

  • Lloyd's Bank (UK)
  • Bank of Scotland (UK)
  • NatWest (UK) Barclays (UK)
  • HSBC (International)
  • DKB (German online bank)
  • Sparda Bank (Germany)
  • Sparkassen (Germany)
  • UBS (Switzerland)
  • Credit Suisse (Switzerland)
  • Crédit Agricole (France)

Use Wise

Open a Wise Multi Currency Account, which gives you a USA bank account number.  Sample image below (source: Wise, Formerly TransferWise).

While Wise can't accept payments in cash or cheques, they can provide you with a US bank account. By creating a US bank account, you can have your refund directly deposited to your Wise US bank account, and then easily transferred to your local account in your local currency.  You can read more about Wise account and direct deposit in their article here:


Ines Zemelman, EA
Founder of TFX