I am a non resident allien who never went into the United states but who needs to receive usd funds from a United States based company. They requires their suppliers to use their online platform for payments which requires a bank account that accept wire transfers using the us system (with aba codes).
And as the current usd/eur exchange rate is not interesting, I want to keep funds at the new opened account. So I want an interest account that will have higher apy than the reference saving account of my country (Livret A has 0,75% untaxed apy at all banks nationwide, so I need an interest rate of at least 0,975% apy that will cover the 30% flat tax of my country).
It seems Mega money market accounts can provide this, but it seems us banks and credit unions requires a ssn (not a french ssn) or an itin. I read I could get an itin by applying a w7 form, but as the funds I ll receive aren t related to trade or business in the United States, I don t know under which exception I should apply for not filling a us tax return.
So is there a way to have an itin without being able to apply for us tax return?