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dirk_diggler

Financial co-mingling suggestions

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Does anyone have suggestions on how to co-mingle finances with an overseas spouse that has never been to the U.S. and has no SSN?

I don't think there is one unless your financial institution allows you to add your spouse without SSN. I think the consulate should be more reasonable towards this matter because they know how it works in USA.

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The consulates/embassies do not expect a bunch of co-mingling of finances but it does help if you can do it. It depends on the bank if they allow you to add a spouse or not. Ask about a W8-ben form and see if you can fax or email in signature cards. That's what we did with our bank, USAA. But they are used to foreign spouses.


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Does anyone have suggestions on how to co-mingle finances with an overseas spouse that has never been to the U.S. and has no SSN?

In US many times it is difficult. You can do it India. Start an NRO/NRI account with both your names.

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I was in the UK and I was allowed to add my British husband to my checking account there. Then I got the people at the bank to type up a letter saying that we had a joint account. When I got back to the States, I had an American credit card and my American bank let me add my husband onto the card without a SSN as long as I was willing to pay for anything he charged. As soon as I got him a card in his name, I made him charge something in the UK (I'm in the States so it could have only been him). I've got the bill showing that he used the card in the UK and that I've used the card in the US which shows co-mingling as well.

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Sending money/remittances through Western Union, Money gram is another form of financial comingling.

Use those WU and money gram receipts as evidence. That's what we used and we were approved with no problems.

Another is money wire or transfer through your bank here and your spouse's home country bank is another such example. Use those recipients.

We also used receipts of a vehicle I purchased and shipped to my spouse.

We also used the freight receipts from a commercial shipping of our personal effects including my daughter's strollers and other such baby goods. My wife was the recipient and the receipts showed her name and all itemized charges. Use those receipts.


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get an ITIN for foreign spouse when filing a new or updated tax return.


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