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Can I use a friend's bank account since I don't have one yet?

Active Member
Ian T Member Since: Aug 31, 2016
1 of 13

I would like to use my firend's bank account for now. I don't have a bank account yet. Is this possible? 

Community Guru
Petra R Member Since: Aug 3, 2011
2 of 13

@Ian T wrote:

I would like to use my firend's bank account for now. I don't have a bank account yet. Is this possible? 

 No, it's not possible! You can only withdraw to your own bank account which must be in your own name. Open your own bank account or use another withdrawal method.

Vladimir G Moderator Member Since: Oct 31, 2014
3 of 13

Hi Ian,


No, as Petra noted you need to use a bank account in your own name in order to set up a withdrawal option on your Upwork account.

Community Guru
Preston H Member Since: Nov 24, 2014
4 of 13

We see this kind of question here from time to time.


I find this kind of fascinating.


People want to withdraw their money into their friend's account or their brother's account.


I guess it is good to have friends that you trust that much. But it seems like a precarious arrangement. Why wouldn't somebody want the security of withdrawing money into their own account, that they control.


And I always wonder... If your friend or your brother can open a bank account, why can't you open a bank account?


I mean... I would understand it if the question is:

"In our country, nobody has bank accounts. What should I do?"


But if your friend or brother has a bank account... and presumably he lives in the same neighborhood as you... then what's the big problem? Did your town run out of bank accounts? Does you friend have special knowledge about how to open bank accounts that he won't share with you?


Maybe opening bank accounts or other types of accounts is a lot harder in some places than it is where I live, and it's something only a select few people can do. So people in that town can be sophisticated enough technologically to work as freelancers on a global online platform, but unable to open the same type of account that their friend opened.


It's all very baffling.

Active Member
Ian T Member Since: Aug 31, 2016
5 of 13

Dear sir, 


I did have a bank account but it just got expired last year. The sad thing is, all the valid IDs (voters ID, Passport, etc.) also expired last year. That bank account was in fact a Paypal partner here in my country. 


When I signed up for Odesk I was still working for a third-party contractor at Holcim-Phils and we didn’t need bank accounts because we get our salary right there in our company’s office. 


That bank account became dormant and eventually expired. The bank did notify me that my account would soon expire if I didn’t take action but I was too busy with work. I just let my account expire thinking I would still be working at Holcim for a couple years more. 


I recently completed a job here (Upwork) and things are doing good but I am now having a hard time opening a bank account because my Ids have expired and some have become useless such as my company ID. The banks have become more strict in terms of requiring valid IDs. 


For now, getting a bank account is not as easy as it used to be. Getting valid IDs is not easy either. You have to wait for months. Ironic as it may seem, I easily got a bank account when I was not active here (Upwork). Now that I just recently completed a job and got paid, I’m having a hard time getting a new bank account. 



Community Guru
Katrina B Member Since: Jan 9, 2011
6 of 13

I understand your frustration. When it rains it pours, but fact is you will have to get your IDs renewed because there is no other way to get your money unless you have an account in your name. 

"Fairness is giving all people the treatment they earn and deserve. It doesn't mean treating everyone alike-Coach John Wooden"
Avery O Moderator Member Since: Nov 23, 2015
7 of 13

Hi Ian, 

You can order your birth certificate online and will serve as a valid ID when opening a bank account under your name. You may also try getting a cédula, which is also accepted by local banks such as BDO. 

Active Member
Ian T Member Since: Aug 31, 2016
8 of 13

Thanks Katrina and Avery!


I'm trying to open an account from BPI. I'll go check it again if they allow online birth certificate too. 


I didn't know that BDO allows just a cedula. In some banks, I think cedula is just a secondary valid ID. But if BDO is not that so strict maybe I'll just choose them instead.  


Thanks guys!

Community Guru
Kim F Member Since: Aug 26, 2015
9 of 13

It's all very baffling.


It actually can be difficult for some people to open a bank account. Here, if you don't drive or have a passport, it can be almost impossible.


But there are other reasons, for example:

You have an overdraft that would eat up the money and you need it for day to day expenses.

You're claiming some sort of benefits/trying to avoid tax obligations and don't want evidence of earnings going through your main account.


And probably many more I haven't thought of.



Active Member
Darcel O Member Since: Jun 20, 2017
10 of 13

Preston H. Some people can't open a bank account for different reasons. They may have an unpaid debt owed to the bank they once used. In some cases a bank account can become over drawn to the point the bank may close the account until the debt is paid off. The bank may replace some of the money at the time the transaction was made and there was not enough money in the account to cover the purchase. Fees can add up rather quickly if you're not carefully paying attention to what's in your acount. I should know. And before you know it you're in trouble. All I know is people have their reasons. Him and friends situation may be totally different, so try and look at things from other peoples perspective.