Individuals can apply for international bank accounts. Any individual with full civil capacity and stable income can apply for a personal card from the card issuer with his or her valid identity document and relevant information. Individuals can apply for personal primary cards from different banks and different credit limits, and can also apply for secondary cards for their spouses or relatives who have full capacity for civil conduct.

Applicants need to complete the application form and sign the "Credit Card Collection Agreement" with the card issuer. The card issuer determines whether to approve the issuance of a card, the type of card to be issued, and the credit limit based on the application information and credit status.

Applying for an international credit card usually requires a certain deposit. The specific amount varies from bank to bank, and even from branch to city of the same bank.

The International Bank Account Number (IBAN), usually referred to as IBAN, is a bank account number developed by the European Committee for Banking Standards (ECBS) in accordance with its standards. The bank account numbers of member states participating in ECBS have a corresponding IBAN number. You can contact your account bank to obtain an IBAN number. IBAN numbers are at most a 34-digit string.

In the early days, different countries within the EU used different bank account identification standards when implementing cross-border transfers or payment services. These inconsistent standards would lead to many errors. Later, the European Banking Standards Board (ECB) developed IBAN to solve these international payment problems. After the IBAN identification system was launched, the transfer error rate was effectively reduced.

Later, IBAN began to be gradually adopted by banks outside the EU, and has now become an international standard in ISO13616:1997.

Currently, most European countries and some other countries around the world (namely those in the Middle East and the Caribbean) have adopted this scheme.