Who can buy U.S. Savings Bonds?

Monday, November 8th, 2004
Categorized as: Buying US Savings Bonds

Who is eligible to buy U.S. Savings Bonds? Do you have to be a U.S. citizen?

Tom’s response

There’s no citizenship requirement, but you have to have a U.S. Social Security Number to purchase a Savings Bond.

To get a Social Security Number you typically have to be a U.S. resident, a resident of Canada or Mexico who works in the U.S., or a resident of any other country who works for the U.S. government.

Anyone, without regard to residency, citizenship, or age – with the exception of those living in a few countries restricted by the U.S. Treasury because there’s no legal way to transfer funds to those countries – may be registered as the owner, co-owner or beneficiary of a paper Savings Bond. (Electronic bonds in TreasuryDirect currently require a SSN for co-owners and beneficiaries as well as for owners.)

People without SSNs can become Savings Bond owners through a gift purchase from someone with an SSN. Co-owners or beneficiaries without SSNs also become owners when the original owner dies.

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FDIC Insured Certificates of Deposit can pay 1 or 2% more than savings bonds when held for a similar length of time. See top CD Rates Below:

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June 1, 2010

After six years, over 400 posts, 3,680 real comments, and over 90,000 spam comments (thank you, Akismet, for making managing a blog with comments possible), I am closing public comments on Savings-Bond-Advisor.com. I will contine to update the main articles on this site, but not the comments.

Virtually every question about Savings Bonds has been asked and answered on this site multiple times. Use the search feature (see the box in the gray area near the top of this page) or the detailed menu on the lower part of the home page to find the information you're looking for. If you have a copy of Savings Bond Advisor, you can ask me a question here.

Tom Adams

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