No Social Security number? An ITIN works. You can open a Kronos account with your ITIN and a foreign passport. Here is exactly how it works — and an honest list of what you still need.
Join the waitlistIn one lineNo SSN? An ITIN works. Bank with your ITIN plus a foreign passport. You will also need a US address and a valid government photo ID. You do need a tax ID — an SSN or an ITIN — so this is not a "no tax number at all" account; it is a no-SSN-required account, which is the part that actually blocks most people.
If you have an ITIN, you can open a Kronos account. You will not be turned away for lacking a Social Security number. That single fact rules out most US banking apps for millions of people, and Kronos is built to say yes where they say no.
An ITIN — Individual Taxpayer Identification Number — is a nine-digit tax ID the IRS issues to people who need to file or be identified for US taxes but are not eligible for a Social Security number. It always begins with a 9. The IRS created it precisely so that people without an SSN can still meet US tax and identity requirements.
People who typically bank on an ITIN include:
If you already file taxes with that 9-digit number, you have what you need to open a Kronos account.
We would rather you arrive with the right documents than be surprised at verification. To open a Kronos account on an ITIN you need:
Be clear on the limits — we won't pretend otherwise:
Access to banking for people without an SSN has tightened. Policy changes in 2026 have made some major banks more conservative about non-citizen and ITIN-based accounts, and there have been public reports of immigrant account holders being de-banked — accounts closed, sometimes with little notice. For people who rely on a US account to get paid, pay rent, and send money home, that is not an inconvenience; it is a crisis.
Kronos's whole reason for existing runs the other way. The same design that protects gig workers and crypto users from arbitrary freezes — a documented reason for every restriction, a real appeal path, and a risk model that expects irregular income — is what makes ITIN onboarding a deliberate, supported feature rather than an afterthought. See how Kronos handles account freezes →
Correct — no SSN required. An ITIN works in its place. You do need a tax ID, but the IRS-issued ITIN satisfies that, so the lack of a Social Security number is not a blocker at Kronos.
A valid foreign passport is an accepted government-issued photo ID for ITIN onboarding. You do not need a US driver's license. You do still need a US residential address.
You apply for one with the IRS using Form W-7, usually alongside a tax return or through an IRS-authorized Acceptance Agent. Once issued, your nine-digit ITIN is what you use to open the account.
No. ITIN onboarding is a supported, deliberate feature. Kronos restricts accounts only for explicit AML, fraud, or court-order reasons — with a documented reason and a 30-day appeal path — never for simply being an ITIN holder.
Yes. USD balances are held through FDIC-insured partner banks via our banking partner, with pass-through coverage up to standard FDIC limits, the same as for SSN accounts. Crypto is non-custodial and never FDIC-insured.
KronosPay Inc. is a Delaware C-Corporation founded in 2026 by Sultan Mogaji to build a bank for the people the system treats as edge cases — including the millions who bank on an ITIN rather than an SSN.
Compliance: DUNS 144991867 · FinCEN BSA MSB Tracking Number MRX26-00003995 · KYC via Plaid Identity Verification · cash deposits FDIC pass-through via partner banks (Lead Bank) through our banking partner.
Press: AP News, NASDAQ, NBC, FOX, KRON 4 SF, NBC Columbus, National Law Review.
No SSN required. An ITIN and a foreign passport are enough to get started.
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