Without an ITIN, the American financial system doesn't exist for you. With it, everything begins.
Mandatory requirement for any US bank — no exceptions.
ITIN is the identifier that allows the score system to recognize you and record your history.
Obligation for any non-resident with US-source income — affiliate, digital platforms, rentals.
Platforms like Stripe, PayPal Business and Wise require US tax identification for full-feature accounts.
Chase Sapphire, Amex Platinum — all require a US tax number when applying.
If you have US income (digital platforms, product sales, affiliate), ITIN is required to file.
You send your documents (passport + proof of address). Novo Inc validates and organizes everything.
Our certified CAA partner submits to the IRS. No need to go to a consulate in person.
The IRS issues the ITIN in 3–8 weeks. You receive the document and can start opening accounts.
If you already have an ITIN and want to take the next step — US bank account, credit score and premium cards — US Credit is the right product. The ITIN value (US$499.90) is deducted from the setup.
See US Credit100% legal · ITIN issued by the IRS · Credentialed CAA