If you have a USD denominated trading investment account or similar with which you wish to use on a Bitcoin exchange and do not have your own independent account & IBAN to withdraw to
then you should know that MtGox don't facilitate withdrawals. You will most likely need to use a reference in your withdrawal request and the following is my correspondence with MtGox regarding this:
From MtGox:
We will not be able to add any special reference. Moreover please note that we will be able to send the withdrawals only to bank accounts in your name and not your bank's account in another bank.
From BitStamp.net:
Yes, please leave any additional instructions for the withdrawal transfer in the comments field. We will make sure to perform the transfer as you will instruct us.
Further, BitStamp.net has successfully processed a withdrawal to a US denominated account in the UK successfully in less than 48 hours and it took one more day to land in the account, with the reference. I used international option which cost $15.
If you're wondering, some retail banks use an intermediary bank account with another bank as their "holding" account for foreign funds, this is where you direct the funds. The reference indicates which client the funds are to be directed towards, so is necessary. I would have thought that references were pretty standard, but MtGox clearly has issue with them. Hope this helps someone, I was quite frustrated to have a fair amount of money in a MtGox account and realise it was impossible to withdraw it in USD (they've also stopped USD coupon codes now... and Dwolla requires US address) and would have to convert it to GBP which is a 6% round trip back to USD with bank exchange commissions. In the end, I had to buy Bitcoins back.
