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No Bank Account – How To Apply for Tourist Visa Without Bank Statements

By Two Monkeys Travel - Contributor February 18th, 2022 Posted in Travel Blog, VISA Application Guides 36 Comments

One sad thing about having a not a powerful passport, like one from the Philippines, is that we need to apply for a visa to some countries like the USA, Canada, Japan, China, Schengen Countries, and a whole lot more.

A common visa requirement is a Bank Statement or a Bank Certificate. The main goal of having a bank account is for the consulate/embassy to know that you have enough funds to travel to their country. Moreover, if you have money, then it won’t result in you working there illegally because you depleted it and they would also know that you can spend money in their country and contribute to their economy.

Ideally, I recommend that you open your bank account now and wait for the next 3 months so you’ll be able to have the bank statement that is required for the application. Don’t worry about the amount of money, you can read my article here about Show Money for your visa application.

Complete List of Philippine Bank Codes and SWIFT CodesBut what if you don’t have one? Well, don’t worry because even if you don’t have a bank account, you can still go to visa-required countries. How? Well, this is what the article is for, we’ll let you know how to apply for a visa even if you don’t have a bank account!

Submit Proof of your Business or Certificate of Employment

How To Apply for Visa Abroad If You Don't Have Bank Statements1

Having a business or a job means you receive regular money or have money coming in every month. However, you don’t deposit it to a bank but may have other means of saving it, maybe via piggy banks or other investments.

If you own a business or are self-employed, you may submit:

  • a copy of Business Registration from SEC/DTI
  • Business Permit or Mayor’s Permit
  • Income tax return

In case you are new, you can submit photocopies of your monthly or quarterly percentage tax payments (Form 1701 or 1701Q) as it states your gross income and the embassy can evaluate from there how much money you earn.

If you are an online business owner, then you can show a screenshot of your store and the transactions you have made per month. You can also submit remittances or any proof that you are earning. However, I do recommend you to register and pay taxes for a much smoother visa application in the future.

For Employees:

  • Employment Certificate
  • Income Tax Return

Employees without bank accounts may submit 6-3 months worth of pay slips that can serve as proof of the money you are receiving. But hey, if you have an ATM, you can use your payroll account.

However, if you are an online freelancer – you can send a copy of the contract for your client or a certificate of employment, if none, a screenshot of your e-mails/conversations and PayPal transaction or remittances. Though, I do recommend for you to register and pay taxes for a much smoother visa application in the future.

Get a Sponsor

10 Reasons Why You Should Travel with your Mom

A sponsor is someone who is going to support your trip financially. It could be your partner, parents, relatives or friends. If you have a sponsor, then you may need a guarantee letter or a notarized “Affidavit of Support.” Make sure your sponsor has a bank account since instead of yours, you will be submitting your sponsor’s Bank Certificate or Bank Statement and other proof of financial capacity (Business Certificates or Employment Certificates).

If you are getting sponsored, submit proof of relationship too if they are your parents or relatives; Birth Certificates or Marriage Certificates. If a partner, maybe you can add pictures also, to prove you have been together for a long time.

However, the embassies may be specific on what proof they want so better check their website. I have an article on How A Legal Resident In The UK Can Sponsor Your UK Tourist Visa.

Show Proof of Property Ownership

You can submit copies of properties you own; as this can serve as an asset and also the embassy can see you have deep roots in your country. You may show Land Titles, Condominium Unit Titles, Investment on Stocks, or Car Registration, this can prove that the money you spent might not be in the bank, but you invested it properly. If you also are a member of a Cooperative, where you put your savings, you can ask them if they can issue you a certificate that you are a member and you have XX savings capitalized.

Showing property ownership can’t only help you in proving your financial capacity but also your ties to the country. You can read here about 7 Ways On How You Can Prove Deep Rootedness or Deep Ties In Your Country.

Show Other Sources of Income

Popular Home-based Jobs for Filipinos
Photo by Austin Distel


If you have other sources of income, you can add it for additional proof. For example, you are renting a part of your house; you can submit a Contract of Lease. If you have part-time jobs, especially online ones, you can also give proof of transactions and remittances. If you get a monthly allowance from your partner, then you can also submit 6-3 months’ worth of receipts during your visa application.

Make a Cover Letter

A Cover letter or a Letter of explanation may help you in your Visa Application. You can place in that letter your explanation as to why your requirements are lacking; especially bank accounts, why this certain person is sponsoring you, why you want to go to visit this country.

Make sure your cover letter is in English and grammatically correct and the message you want the embassy will be conveyed. If they get the point, it may give you a chance to get approved, however, if they get confused they may deny you a visa. If you need help, Jonathan offers a Cover Letter Writing Service which you can use for several Visa Applications (you just have to edit it).

Cover Letter Writing

Having no bank account is a bit of an inconvenience in applying for a visa. However, having none won’t deny you an opportunity to have a visa to the country you are dreaming of.

To avoid the hassle, you can always apply for a bank account. It’s effortless to get one. Most banks need IDs, bills with your address and money for opening an account. It’s better to choose one with online options especially if you are traveling abroad as you can open your statements online. Moreover, if you have a bank account, you won’t go through with additional steps.

You can get approved without a bank account; I heard countless stories of visa approval. So don’t be afraid to follow these steps and aim for one because you can get a visa even if you don’t have a bank account. Happy Travels!

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36 thoughts on “No Bank Account – How To Apply for Tourist Visa Without Bank Statements

  1. Hello, me and my mom are planning to go to Japan for a short trip. I am a fresh college graduate and not yet working so, she will be taking care of all the expenses. My question is, do I still need to provide a bank statement/certficate? Thank you!

  2. Hello ask ko lang Po!
    Ano Po requirements from Philippines to France consulate embassy ?
    Tourist visa Po ,without bank account ?

  3. Hi There,

    I will be sponsoring my cousin and her daughter to come and visit me here in Australia from the Philippines. But to add to her application, she does not have a job, she looks after her daughter who will be turning 2 this year 2023, so therefore no bank accounts. Will this be a requirements if I was to fully sponsor her and her daughter.

    1. Credit cards can be good pero dapat you have a bank statement too – they need to know how you can pay your credit card din.

  4. Hello
    Ask ko lang po.
    Just in case mag-open Japan for visa.
    I want to travel with my boyfriend. Ako may multiple visa na. My boyfriend needs to apply,employed sya but salary is at minimum wage and payroll bank account is wala savings. Can i sponsor him pero joint savings account namin ipapakita?
    We will still submit COE at ITR nya but explain ko sa cover letter minimum wage earner so i will sponsor him.,submit ko joint account namin at coe/itr/credit card ko.etc

  5. Hello, I have a kiwi boyfriend and he visited me here in PH for 24 days. We love each other so much, we have lots and lots of photos and conversations and calls to prove our relationship. His family are waiting for me in NZ to see and meet me. Now, he is planning to get me a NZ visitor visa under his sponsorship. The problem is that I am currently unemployed. I have a franchised small business but it’s not under my name. Is it still possible to get an approved visitor visa?

  6. Thanks for all your information above, I need to ask you that, I have my boyfriend leaving in Chile and I wanna visit him, is it a must that I must be having a bank statement to travel or apply for the chilean visa, I met him online and he wants me to visit him but am still confused???? I need to know more about this issue, thank you 🙏

  7. Hi
    Are you able to assist my sister to come out to Australia on a sponsored visitor visa. I have recently broke up with my husband however we remain friends and since I lost my job and he has stable job he offered to sponsor my sister I guess to lessen his guilt as I have developed major depression from our marriage and now living in a state where I don’t know anyone at all. And yeah I lost my job 3 months ago as office admin when covid hits. My sister is in a same boat he has no income just lost her husband 10 days ago and I have been supporting with her living needs ever since. Is it possible for her to come out?

  8. my situation is far more different. i live in a country where i am undocumented and have overstayed on my visa. i dont have a stable job,no business but i just do temp jobs which i get paid cash in hand, no bank account either. i am willing to relocate to EU or Asia find a job. is there any country to advice me on that i can apply without bank statement nor business certificate? i would really appreciate it if you sent me an email. thank you

    1. Hello Adriana, it will be hard to apply if you’re undocumented. Better to leave the country before the Immigration police catch you. You will get deported and blacklisted. But once you’re back home then you can apply in other countries.

  9. Hello there im applying tourist t visa under sponsorship of my fiance, im new employed as Nursing assistant and no bank accont statement can i show only a payslip and certificate of employment proof that im currently employed, and i have bank account under my name but the money all there is from my fiance support. You think the clearance officer granted me a visa? I have cover letter i explained everything there that im only renting an aparment and my main purpose is to visit my fiance, and i explained also that my bank account is insufficient.

  10. Hi
    If I want to apply for study permit, regarding the bank account proof, my sponsorship is on dad but Im already working and I have my own bank account and salary.

    Which bank statement should I provide the Embassy? My father’s , Mine only or Both?


  11. Hello good day,
    I am blessed to read this article.
    I want to ask.
    I have only Business Permit or Mayors permit.
    Please guide me, do i need to comoly the remaining choices 1&3?
    Thank you very much.

    1.)a copy of Business Registration from SEC/DTI
    2.)Business Permit or Mayor’s Permit
    3.)Income tax return

    1. Hello, a Business Permit is from the Department of Trade and Industry (DTI). You usually can’t get a Mayor’s Permit without that. So maybe you already have 1 and 2. As for income tax return, you need to file taxes, if you have not yet filed for an annual income tax, you can present your monthly or quarterly submissions.

  12. Wla Po akong bnkstatement pero ang gmit ko Yung bnkstatement ng bf ko my properties nmn ako tpos nkapunta na ako ng Australia last 2018

  13. Hi there monkey travel. What if i have condo named on me? Do i get a visa approved even without bank? I really need a visa within this month and i was hoping i can get one kasi pinaclose acfount ko ung bank ko and im just using credit card for now.

    1. I have to send my girlfriend to Portugal to send a tourist and I do not have a bank account statement because I have not given a PAN card, I have not paid my tax to the bank and I do not have insurance, so how can I send it? My girlfriend for tursit vis

        1. Do we need a cover letter for applying a B2 visa,visit to relatives in Colorado, USA? I will be applying with my husband’s parents(this travel is our gift to them) they are seniors. I am a full time mom for 7 years and will be bringing my 7 year old daughter with us. My sister in law who is an australian citizen will be joining us on this trip and she will be sponsoring as well. I hope we get approved, we’re planning to go January 2023. Thank you in advance. Hope to get a reply.

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Written by Two Monkeys Travel - Contributor

Two Monkeys Travel Group – Community Travel Blog is a travel blog and website. We quickly grew into a valuable source of inspiring travel stories, advice, itineraries and travel guides, with the aim of demonstrating how to live a sustainable life of travel, whilst living your own definition of success. If you'd like to contribute and write a guest post, contact us at [email protected]