As an expat living in Sweden I would like to claim my CARES stimulus money. I am (legally) a non-filer and would like to submit my bank details to the IRS so that they can send my CARES stimulus check money that I qualify for.

Unfortunately I do not have access to a US bank account and have tried creating one with TransferWise but they do not accept my Swedish ID.

If I give a friend's bank details in the form of a "routing number" and "account number", will the money be received, or will the transfer be rejected because the name doesn't match the account?

  • I know you said you are a non-filer, but have you ever filed and gotten a refund while you were in Sweden? Oct 14 '20 at 10:19
  • @mhoran_psprep no, I'm the child of a US citizen and have never lived in the US. I've also never earned over $12k as I am a student
    – Cameron
    Oct 14 '20 at 11:23
  • As a student are you considered a dependent? Oct 14 '20 at 11:27
  • @mhoran_psprep no, I have no living people who would claim me as such
    – Cameron
    Oct 14 '20 at 11:30
  • "If I give a friend's bank details" ... Cameron, you mean a friend in the US ?
    – Fattie
    Oct 14 '20 at 12:50

I can give you the exact answer: unfortunately it is 50/50.

The US banking system technically, is total crap.

I've dealt with precisely the issue of "different/incorrect account name" zillions of times, and the unfortunate fact is sometimes it sails through (which can either be a disaster or a good thing!) and sometimes it gets stopped.

Unfortunately that's the situation.

Not the solution.

However, I'd say in this case, even if it "did work", absolutely do not try this trick, as they will be highly pissed-off if they find out.

An XY answer: note that, perhaps surprisingly, the US' IRS is really really good about stuff like this.

Send them some sort of communication (an old-school printed letter in the mail is best, but whatever - just phone them) and they will sort it out. they're totally in to resolving "difficult money transfer issues". You'll have no problem at all.

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