How to open a US business bank account from abroad
We earn a commission if you buy through some links on this page, at no extra cost to you. It never affects the order. How we make money.
Non-US founders can open a US business account without travelling, as long as the company itself is a US entity. Here is what to prepare and how the main options differ.
What you need
- A company formed in the United States, such as an LLC (see how to form a US LLC from abroad).
- The formation documents and the IRS letter confirming your EIN.
- A passport for the person who controls the company and for each owner of 25% or more.
- A real business address. Providers such as Mercury say it can be residential and outside the US, but not a registered-agent address, P.O. box or mailbox service.
Check your country first
Every provider keeps a list of countries it cannot serve, based on where the founders and people who control the money live. Check it on the provider's site before you apply; it changes over time.
Your options
Some providers are US banking platforms (an account in the company's name with US routing numbers); others are multi-currency accounts that also give you US account details. Here is how they compare today:
| Product | Price today | Free plan | Details |
|---|---|---|---|
| Airwallex | Free plan, then USD 12 per user per month + platform fee | Yes | Pricing |
| Payoneer | Free plan, then USD 29.95 per year if under USD 6,000 | Yes | Pricing |
| Mercury | Free plan, then USD 29.90 per month | Yes | Pricing |
| Revolut Business | From GBP 10 per month (≈ USD 13.23) | No | Pricing |
| Wise Business | From USD 31 one-time | No | Pricing |
Prices from vendor websites, checked 2026-10-12; they update automatically.
Compare them side by side: Mercury vs Wise Business, Mercury vs Airwallex and Mercury vs Revolut Business.
Tips to get approved
- Describe what the company sells clearly and link a working website.
- Make sure the names on every document match exactly.
- Answer follow-up questions quickly; most delays come from missing documents.
Questions
Can I open a US business account without an SSN?
Yes. Providers that serve non-resident founders accept a passport and the company's EIN instead.