FINANCIAL ACCESS

Survey Results Show There is a Systemic Problem
This report presents empirical data from the random sample survey undertaken for this study.
The findings are valid within a 5.4% margin of error. The results paint a picture of significant
problems, affecting many kinds of NPOs operating in all parts of the globe. Highlights of the
survey findings are below:
Characteristics of U.S. NPOs Working Internationally
• There are 8,665 U.S. NPOs operating abroad (based on IRS data).
• They work in a range of sectors, including education, development/poverty reduction,
humanitarian relief, public health, medical services, human rights/democracy building and
peace operations/peace building, among others.
• 45% of all U.S. NPOs engage in humanitarian relief work.
• Most NPOs are relatively small (median revenues of $1.5 million and expenditures of $1
million), but almost half of them (48%) are large enough to operate a branch or field office
abroad.
Financial Access Problems
• 2/3 of U.S.-based NPOs working internationally experience banking problems.
• The most common problems include: delays of wire transfers (37%), unusual documenta
tion requests (26%), and increased fees (33%). Account closures represent 6% and refusal
to open accounts 10%.
• 15% encounter these problems constantly or regularly.
• The prevalence and types of problems vary by program area, with NPOs working in peace
operations/peacebuilding, public health, development/poverty reduction, human rights/
democracy building, and humanitarian relief reporting the greatest difficulties.
• Transfers to all parts of the globe are impacted; the problem is not limited to conflict zones
or fragile and failing states.
• NPOs with 500 or fewer staff are more likely to encounter delayed wire transfers, fee
increases, and account closures. Most significantly, smaller organizations are almost twice
as likely to receive unusual additional documentation requests. The smallest NPOs (those
with 10 or fewer employees) are having the most trouble opening accounts.
• NPOs, categorically treated as high-risk, are sometimes forced to move money through
less transparent, traceable, and safe channels as a result of delays in wire transfers
and requests for additional documentation.
EXECUTIVE SUMMARY
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