Let’s say you had to run. Maybe you’re a whistleblower. Or maybe you crossed someone powerful. You’re out of the country. Safe, for now. But you’ve got another problem.
You need your money.
And using your U.S. accounts could light you up like a flare.
The financial system tracks everything. Not just governments. Commercial surveillance does too. They see where you are, what you bought, how much you spent. And if someone wants to find you, they’ll buy that data.
Here’s how to get your money without giving yourself away.
Set Up a Foreign LLC
Start here. Create a company. Not in your name. Use a service. Pick a place that doesn’t care who you are. BVI. Panama. UAE.
These places have low barriers. Some don’t require in-person visits. Some let you do it all online. You pay a fee. Submit basic paperwork. They give you an entity.
Once you’ve got the LLC, open a business account. Use local banks that work with foreign owners. Wire your money in. Now you’ve got an entity that can spend for you.
You’ll need help. And some cash to get started. But it works. And you’re not the account holder. The LLC is. Keeps your name out of it.
Use Modern Fintech Tools
Some digital banks let you open multi-currency accounts without living there. Wise. Revolut. N26. Payoneer.
They want ID. But not always a local one. Not always a full history. Wise is the easiest. Then Revolut. N26 works better if you have an EU address.
Wise lets you hold balances in multiple currencies. You get local bank details in the U.K., EU, U.S., and more. You can send and receive globally. You can get a debit card that works almost anywhere.
Revolut and N26 add more features. Disposable cards. Travel perks. Some fraud protection. But they may ask more questions.
You can load them from your U.S. accounts. Then spend with a local card. Less visibility. Less risk.
Build a Private Banking Relationship
If you’ve got money, use it. Banks like HSBC Premier open doors. Especially outside the U.S.
Some branches will let you open accounts with just a passport. Maybe proof of wealth. Maybe a referral. Not easy. But possible.
Start by walking into a branch abroad. Or use an introduction service. Or go through a private wealth manager.
Once you’re in, they treat you differently. And you get foreign-issued cards. You’re not using U.S. plastic anymore. You’re not in the same system.
Privacy.com Virtual Cards
Simple and smart. Privacy.com gives you virtual credit cards. They pull money from your bank account. But the bank only sees “PWP*PRIVACY.COM” and the amount.
No one sees what you bought. Or who from. Or where. Great for online purchases.
You can set spending limits. You can create burner cards for one-time use. You can lock them to a single merchant.
Notes: Privacy.com can greatly increase privacy vs. using your actual debit card. But it does not offer full anonymity. Your identity is verified. Law enforcement could compel Privacy.com to provide information if served a subpoena.
There is still some risk if they’re watching your U.S. account. But details are hidden, so its a good tactical layer.
What About Bank-Issued Virtual Cards?
Some banks (like Capital One, Citi, AmEx) let you create virtual cards linked to your main credit card. These can help with fraud, but they’re not good for real privacy.
- Still tied to your identity and SSN.
- Banks and their partners still see and log everything.
- Data may be sold to marketers or brokers.
- IPs, devices, and login metadata can trace back to you.
Use them only in low-risk cases. For true anonymity, stick with Privacy.com or fintech tools that create separation.
Avoid Prepaid Cards
Used to be you could buy prepaid cards safely with cash. Not anymore. Now they want ID. Most report to credit bureaus. Most tie back to you.
Some foreign jurisdictions still offer anonymous reloadable cards. But they’re rare. And risky. Hard to trust.
Unless you’re local, or know a banker, skip it.
Mix Tactics for Best Effect
Best move? Combine tools.
Send money from your U.S. account to Wise. Move it to Revolut. Spend with their card. Rotate devices. Keep a tight opsec posture.
Or better. Push funds into a foreign LLC. Let it pay you. Or pay for you. Buy what you need through the company.
Use Privacy.com for things you can’t tie to foreign cards. Separate everything.
Watch Your Digital Trail
Never log in from your old devices. Use new ones. And secure ones. Hardened OS. Encrypted. Locked down.
Don’t use the same VPN servers every time. Rotate. Mix providers. Tunnel traffic. Watch for browser leaks. Disable WebRTC. Use containers. Metadata will burn you.
Time zones, keyboard layout, screen size. All trackable. Clean your setup.
Final Word
None of this is perfect. But you don’t need perfection. You just need better than traceable.
Move slow. Stay quiet. Control what they see. And what they don’t.
Need help? That’s what we do. ObscureIQ can build you a private exit plans. Quiet money. Low exposure.
You stay off the radar. Your enemies stay in the dark.
Links
HSBC Premier: Global private banking
https://www.hsbc.com/wealth/hsbc-premier
Privacy.com: Virtual card masking service
https://privacy.com
Wise: Multi-currency borderless accounts
https://wise.com
Revolut: Digital banking and global spending
https://www.revolut.com
N26: German neobank with EU-wide reach
https://n26.com
Payoneer: International payouts and cards
https://www.payoneer.com
Capital One: Virtual cards via Eno browser extension
https://www.capitalone.com/digital/eno/virtual-card-numbers/
Citi: Virtual Account Numbers tool
https://www.citi.com/credit-cards/compare-credit-cards/citi/action/virtual-account-numbers.do
American Express: Temporary card numbers and Click to Pay
https://www.americanexpress.com/en-us/account/login?dest=manage-virtual-card
