This article is for information only and is not tax advice.
This article explains how to receive your IRS refund if you do not have a US bank account.
Can I enter my home country's bank account to receive my refund?
No. The IRS does not issue refunds to a foreign bank account. The IRS deposits refunds into accounts at US financial institutions.
Can I use the US bank account of a friend or relative?
No. Your refund can go only to an account in your own name. The only exception is a spouse's account for a joint refund.
What are my options if I do not have a US bank account?
The following table shows the options and what to know about each one.
| Option | What to know |
|---|---|
| Open a US bank account in your name | The IRS can deposit your refund into a checking or savings account at a US financial institution. |
| Receive a check | The IRS mails the check to the address on your tax return. The IRS generally does not issue paper refund checks, so a check is not guaranteed. |
What happens if I file without bank information?
The IRS accepts your return, but your refund can be delayed. The IRS can send you a letter, such as a CP53E notice, that asks for your banking information. You typically have about 30 days to respond.
Which address do I use for a check?
The IRS mails refund checks to the address on your tax return. Make sure that the address is correct and that you can receive mail there.