Thanks for this valuable information. The furthest I ever got was trying to open an account with coinbase. That failed miserably because at the authentication stage, or somewhere along the line, I have to give them my credit card numbers. I used a DBS card and a Citibank card. But they came back to say my card company doesn't allow buying of cryptocurrencies - or something to that extend. And that was the end of my opening any accounts. I am sure as cryptocurrency becomes more popular, opening accounts will be made easier.