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   Haroon_16®
Saturday, September 10, 2016 05:43 PM 
Reply: >
I am in Pakistan, a student, just received a US check of about 10,000 USD. I am a freelancer and worked online to earn money. Now this is the payout. Check arrived to me directly from Seattle, Washington.

Banks are asking me to open foreign currency account but require business proof or salary slip. I have my online freelance slips and statements, but they say they are not accepted and you cannot have an account opened.

I am left high and dry and these local banks are literally asking me to dispose of that check and much hard earned money of about a million rupees. Ridiculous.

Please someone have a solution guide me. PLEASE.
Loyal Pakistani replied on Saturday, September 10, 2016 06:04 PM 

Setup a small business account and obtain a trade license and open your account in Pakistan. Simple!!!

Banks are asking only because Blood Sucker like Ishaq Dar MUNSHI and others can take their BOTI.
Haroon_16® replied on Saturday, September 10, 2016 06:08 PM 

It's not as simple as you stated, sir. As I said I am a student, full time that. Really don't even know what these trade license things are. Setting a business, small or big, is no different for me.

Just these requirements by these banks. I mean, it's my money, in my name, earned by me, why should they even have any issues?

CMY sir, kindly reply if possible, please.
Aslam replied on Saturday, September 10, 2016 06:22 PM 

I used to get checks from Google and faced the same problem. What I did, I gave my checks to a person in local bank, he gave me 1 rupee less from normal exchange rate. I was doing it for nearly 1 year. I am not sure, how he was cashing my checks.
Jameel Mughal® replied on Saturday, September 10, 2016 06:22 PM 

Goto some private bank in posh busy area Like Gulberg etc, and Open a Foreign Currency account with minimum balance US Dollars. KYC [Know Your Customer] Is the the Rule but you just need declaration that I work so and so like self employed , Don't Deposit this Cheque right away, Once Account is Functional you may deposit this cheque with necessary documents, To Curb the terrorism and money Laundering this formality is needed.
Govt Banks will be least interested in Opening new FC accounts as it adds a lot of their botheration.
Aa replied on Saturday, September 10, 2016 06:46 PM 

Have your trusted relative who has a job open a joint us dollar account with you. Once the account is opened deposit the check. Will take several months to clear. When cleared, withdraw the money.
User_6006® replied on Saturday, September 10, 2016 08:18 PM 

What do you do? Soon fbr and fia will see whether you are paying taxes and earning legally , also money you are reciving sender and reciver not involve in terror activity
CMY replied on Saturday, September 10, 2016 08:36 PM 

Banks in DHA open foreign accounts very easily. Especially if you go there with some one already doing lots of business with bank. Like some one above said dont deposit check right away at opening account. Wait for account to be functional.

Also check with some bank employee You should be able to endorse check in name of some other trusted account holder.
CMY replied on Saturday, September 10, 2016 08:43 PM 

If nothing else works send check as gift to me to get deposited in USA bank here :)

I hope you understood my this comment very well :)


Rule is that you have to gift me this money. In USA upto $14000 can be gifted to any one from any one tax free. Without declaring gift this amount will be taxable income to person receiving it in USA. Also make sure 100% check is from authentic online business. Too much fraud online and checked issued online. Check return fee is as high as $35 and also messes up persons critically needed credit history.
+ replied on Saturday, September 10, 2016 09:09 PM 

I have used allied bank and meezan bank to directly deposit checks from freelance site I past. It was seamless but the amount was not greater than 1000 USD.
Aslam replied on Sunday, September 11, 2016 03:22 AM 

Also check with money exchange offices. In the past, i have been giving my checks to them and taking cash from them.
LOYAL PAKISTANI replied on Sunday, September 11, 2016 04:50 AM 

Some times we can not prove what we have. You need to improve your general appearance. Satisfy your Banker, he is sitting to help you n guide.

This matter can very easily n SUCCESSFULLY resolved but you need little time to get your money in your a/C as there is a process.


Govt. And SBP has strict instructions to help customers.


Good Luck




resolved but you need fees
manan replied on Sunday, September 11, 2016 05:29 AM 

Aslam sb
what business you r doing. Guide other so that unemployex people can benefit
Aliahmedali replied on Sunday, September 11, 2016 04:54 PM 

This is Haroon 16, posting with other name because cant post using my ID, getting error.

Thanks to all for the replies, I am responding to all of you in order.

@Aslam bhai Yes, most of my income is from Google. Can you please tell me name of that bank or branch? Maybe that works for me too.

@Mughal sir Well, there is the issue self employed. These banks are bluntly telling me that we are not accepting freelancers. Proof of income or proof of business needed.

@User All of my income is from the biggest tech company in the world, Google. And talk about taxes, this is infact my tax refund check. CMY sir would know more about the form w8 ben. I kept working as a freelancer for years and kept paying taxes to the IRS. Now this is my tax refund from IRS, I am sure CMY sir knows about this stuff.

@CMY Sir: I wish I could gift, but the check is under my full registered name. Is it still possible to gift.

And yes, legal income, proofs available, this check has been mailed to me by IRS itself, after a lot of hard work you know. It took me 1 year just to obtain my ITIN. I am sure you are getting the idea what it is, and how it has been done so far. I even have all the records and documents sent to me by IRS.

@0030... Thanks brother, seems like I am not alone and there must be some way.

@Aslam bro: Seems a great idea if it works. Probably the best. Thanks for the suggestion.

Lastly, CMY sir if I do get it deposited here in Pakistan, ye FBR waalon ko koi khaas takleef to nai ho gi. As you know even telling these people what online earning is, can be a mighty might task.

Also CMY sir, while sitting here, can I have an account opened in US. Even any small bank would do. I have asked banks in UK and US, they tell me that if you hold an account here, you can mail the check to someone in US or UK. I can post to you if thats the case, and then that person has to deposit the check to that bank in person. So, is there any way I can open an account in my name sitting here.

Thanks all.
ABCD replied on Monday, September 12, 2016 10:00 AM 

Tell Those guys that, Send you Western Union if possible.
Siddique® replied on Tuesday, September 13, 2016 08:09 AM 

I have done lot of freelancer work back in 2013 and 2014, I received my money through paypal or clients directly send to my account after conversion. I never had any problem, please speak to the clients, normally they are supportive in terms of transferring the funds.
Haroon_16® replied on Tuesday, September 13, 2016 08:47 AM 

@Siddique If you read the comment by Aliahmedali, thats me myself, youd know.
Abdullah® replied on Friday, September 16, 2016 09:38 AM 

Just go any bank and deposit the check in normal account. Thore nakhare karen ghe!. I used to do this for cheques from liveperson and deposit it in HBL UET branch. you will have your money in 3 weeks.
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