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As a non US-resident with a US bank account, I think you are vastly underestimating how difficult it is to actually achieve this.

You are also required to disclose any such US accounts to your european financial institutions that you work with.



I've got a friend who just walked into a Wells Fargo branch, and basically all he had to do was to fill out a W8-BEN form. No SSN, no ITIN. His passport number was apparently a perfectly fine substitute.

This was some years ago though, but assuming not much has changed, I don't think it'd be too difficult.




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