A US dollar account for freelancers
What you give, once, to get US dollar account details as a freelancer, remote worker or gig worker. Your ID, proof of address, tax form, a 3-month bank statement and an identity check.
Overview
If you work for yourself, as a freelancer, a remote worker or a gig worker, you can get US dollar account details for your work. Clients and platforms pay you by ACH or wire, and the money reaches your Vezmo balance in dollars.
Your account details are provided by our payments partner and its partner bank. Vezmo is a financial technology company, not a bank.
You give everything once. Your verification covers every Vezmo service, and the Accounts page asks only for what a US dollar account needs on top of it.
What you give
| What | Where you give it | What works |
|---|---|---|
| Your ID | Your verification | A passport, national ID card or driving licence. We read it as you take the photo. |
| An identity check | Your verification | A short selfie video, matched against the photo on your ID. |
| Proof of your home address | Your verification | A utility or phone bill or a bank statement from the last 90 days, a rental contract, a driving licence or a government letter. A national ID card can't be used. |
| Your tax form | The Accounts page | A Form W-8BEN, or a Form W-9 if you are a US person. You sign it in the dashboard; it takes about five minutes. See Taxes and tax forms. |
| A bank statement for the last 3 months | The Accounts page | One statement of your own account. See Your bank statement. |
| Two details from your ID | The Accounts page, only if your ID check didn't read them | Your sex as your ID shows it, and the date your ID was issued. If your ID doesn't show a date of issue, you say so. |
How it works
Verify yourself
In Verification, add your details, your ID and its selfie check, and your proof of address. Our team reviews it.
Ask for Accounts
On the Accounts page, ask for Accounts. Our team decides your request with your verification.
Give what's left
Once your request is approved, the Accounts page shows what's still needed: your tax form, your bank statement and, only if your ID check didn't read them, the two details from your ID. Your To-do page lists each one too. If you verified before 5 November 2026, you also agree once to the updated consent for your ID check (see Who sees your documents); there's no new ID check.
We send your application
As soon as the last one is in, we send your application to our payments partner. It reviews it, and if it needs anything more, you'll see it on your To-do page.
Get your account details
Once you are approved, ask for your US dollar account details on the Accounts page. They show as being set up until they are ready, then you can share them with clients and platforms.
Other currencies
Once your US dollar account details are open, you can add other currencies too, where they're offered to you. For example, freelancers can add UAE dirham (AED) account details where they're offered, for clients in the UAE who pay by local transfer; what arrives stays in your AED balance. See Add a currency.
Add your USD details to Upwork
Upwork can send your earnings to your US dollar account details by ACH, with its Direct to U.S. Bank withdrawal method. Receiving ACH on Vezmo is free on every plan.
Check your name
Your US dollar account details carry your own name. Upwork asks that the name on a withdrawal account matches your verified name on Upwork exactly, including middle names, extra family names and special characters, so use the same name on Vezmo. If they differ, Upwork can flag the method.
Copy your account details
On the Accounts page, open your US dollar account details: the routing number, the account number and the account name.
Add Direct to U.S. Bank on Upwork
In Upwork, go to Settings › Withdrawals › Add a method and choose Set up next to Direct to U.S. Bank. Enter the routing number, the account number and the account name. Upwork's form asks for an account type: choose Checking.
Wait three days
Upwork activates a new withdrawal method three calendar days after you add it. Until then, use a method you already have.
Withdraw
Withdraw from Upwork as usual. Upwork says the payment arrives by ACH in 2 to 5 business days, and it shows in your USD balance.
Your bank statement
It must be:
- One statement covering the last 3 months, every page, in one file. It should end within the last 45 days.
- Of your own account: the name and address on it match your application.
- Clear: we can read the dates it covers. A PDF from your bank is best; a JPG or PNG works too, up to 10 MB.
We read the statement as you add it. If it doesn't fit, you see what to fix straight away (for example "This statement covers 30 days"), and you can choose another file.
We never ask twice
- Anything your verification already holds is never asked again.
- Your sex and your ID's date of issue are asked only when your ID check couldn't read them, for example from an ID card without a machine-readable zone. You give each once.
- A bank statement you already gave counts while its period ended in the last 90 days.
- Your tax form counts until it expires or your details change.
Who sees your documents
We send your details and documents to our payments partner only to open and keep your account. With them goes the result of your ID check: the photos of your ID, one picture from your selfie video, the results of the face match, the liveness check and the sanctions and PEP screening, and the countries you applied from (read from your IP address). The consent you agree to before your ID check says so; the Privacy Policy has the details.
If you verified before 5 November 2026, you agreed to an earlier version of that consent. Before your application goes, the Accounts page and your To-do ask you to read the updated one and agree, once. Your ID check stays as it is.
Inside Vezmo, only our compliance team can open your documents, and each time someone does, it is recorded.
Next
- Taxes and tax forms: the W-8BEN and the W-9.
- Add a currency: account details in other currencies.
- Get started: your account and your verification.
Facts checked against the product on 7 Nov 2026.
Was this page helpful?
Add a currency
Add account details in another currency to your Vezmo account. Which currencies you can add, which are ready now and which need a quick check by our team, what each status means, what to do when your To-do asks for something, and what an extra currency costs.
Fees on sends and conversions
How the fee on a payment from your Vezmo account is worked out, the conversion fee when the currency changes, the US transfers your plan includes each month, how you see the exact fee before you send, and what comes back when a payment doesn't go through or is returned.