You cannot pay Capital One’s secured-card deposit directly without access to a participating U.S. bank account, but you can open and fund one using your ITIN, then pay from it.

Start now

Find your approval date and required deposit

Use the approval date—not the date you open a bank account—to count Capital One’s 35-day funding window. Your approval information gives your required minimum deposit and application ID; Capital One permits installments of at least $20, but the full required amount must be submitted within the window. Its help page says clearing can take 7–10 business days. [Capital One secured-card help](https://www.capitalone.com/help-center/credit-cards/understanding-and-managing-secured-cards); [funding portal](https://securedcard.capitalone.com/deposit).

Before sending the card deposit

Open an eligible U.S. checking account

One documented option for a non-U.S. citizen is an in-person Bank of America Advantage SafeBalance Banking account: book a financial-center appointment at https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=ENGPRO_ECBBA. Bank of America says an SSN is not required; it lists an unexpired foreign passport as a primary ID and a foreign driver’s license as one possible second ID. If it classifies you as a nonresident alien, its instructions require a physical foreign address and U.S. mailing address; if it classifies you as a resident alien, they require a physical U.S. address. The account’s minimum opening deposit is $25, and its published monthly maintenance fee is $4.95 unless a waiver condition applies, including maintaining a $500 minimum daily balance. [Bank of America account instructions](https://info.bankofamerica.com/en/international/professional-bank-account.html); [fee schedule effective August 7, 2026](https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US).

Once the account is open

Fund the checking account and obtain its bank numbers

Put enough money into your new account to cover Capital One’s full required deposit; if you have cash, deposit it into the bank account rather than trying to pay Capital One in cash. Bank of America says cash deposits are available on the day it receives them. Obtain the account number and its bank routing number for electronic transfers—these are the numbers Capital One’s funding page requests. Keep the balance sufficient for the debit. [Bank of America SafeBalance clarity statement](https://www.bankofamerica.com/salesservices/deposits/resources/safebalance-clarity-statement?request_locale=en_US); [Capital One funding portal](https://securedcard.capitalone.com/deposit).

Within 35 days of approval

Submit the Capital One security deposit

Use the personalized funding link in your Capital One approval email or letter, rather than relying on its moved general portal page. Enter the requested application details and authorize the ACH debit from your funded account; each installment must be at least $20 and in whole dollars, and the total must reach your required minimum within 35 days of approval. If the portal’s field labeled for the last four digits of a Social Security number prevents an ITIN-based applicant from continuing, or you cannot find your application ID, call Capital One’s funding-page number, 1-800-219-7931; do not enter a made-up Social Security number. [Capital One portal notice](https://securedcards.capitalone.com/); [funding instructions](https://securedcard.capitalone.com/deposit); [secured-card help](https://www.capitalone.com/help-center/credit-cards/understanding-and-managing-secured-cards).