9 Best LLC Bank Accounts for Non-US Residents
Business accounts you can open online for a US LLC while living abroad, ranked on who they accept, what they need from you and what they charge.
CostGoat may earn a commission if you open an account through some links on this page, at no cost to you. Rankings are based on eligibility, fees and features. A provider that pays us is not ranked higher for it, and providers that pay nothing are listed where they fit.
Our Picks
Best overall
Mercury
No monthly fee, free USD wires including international ones, an operating address outside the US is fine, and debit cards ship abroad. Check its excluded countries.
Claim $250 sign-up bonusBest for getting paid abroad
Wise Business
Local account details in many currencies and conversion close to the mid-market rate. Use it next to a checking account to collect from clients in Europe, the UK and elsewhere.
Visit Wise BusinessBest with no SSN or US address
Bluevine
Its international owner program needs only an EIN and a passport, and a registered agent address can be the legal address. Open in 25 countries, including the UK and India.
Visit Bluevine9 Options Compared
Online business banking for startups
$0
AcceptedWhat you need
EIN, formation document, passport. No SSN or ITIN.
Best for
Most non-resident founders with a US LLC who need a free USD account
Cross-border payments for sellers and freelancers
$0
AcceptedWhat you need
EIN. No US address needed.
Best for
Marketplace sellers and freelancers paid by platforms
Multi-currency account for international payments
$0
AcceptedWhat you need
EIN. SSN only for US residents or US passport holders. No ITIN.
Best for
Getting paid by clients abroad and holding several currencies
Global business account with low FX
$0
Case by caseWhat you need
EIN letter, Certificate of Formation, passport.
Best for
Businesses moving money in several currencies
Business checking with an international owner program
$0
Case by caseWhat you need
EIN and passport. No SSN, no physical US address.
Best for
Owners in its 25 countries who have no US address
Business banking with a non-US owner account
$0
Case by caseWhat you need
Passport, EIN letter, Articles of Organization. No SSN.
Best for
Citizens of Latin America, China or the UAE
Business checking with many sub-accounts
$0
Case by caseWhat you need
Passport and US operating presence; its help center also mentions an SSN.
Best for
Owners who also have a US presence or SSN
Multi-currency business account
$10/mo
Case by caseWhat you need
EIN and proof of physical presence in the US.
Best for
UK and EU residents who already use Revolut
Business banking and corporate cards
$0
Case by caseWhat you need
Passport, EIN, two statements from another bank, proof of revenue.
Best for
Established non-resident LLCs that already have revenue
| Provider | Monthly fee | Non-US owners | What you need | Best for | |
|---|---|---|---|---|---|
Mercury Online business banking for startups | $0 | Accepted | EIN, formation document, passport. No SSN or ITIN. | Most non-resident founders with a US LLC who need a free USD account | Claim $250 sign-up bonus |
Payoneer Cross-border payments for sellers and freelancers | $0 | Accepted | EIN. No US address needed. | Marketplace sellers and freelancers paid by platforms | Visit Payoneer |
Wise Business Multi-currency account for international payments | $0 | Accepted | EIN. SSN only for US residents or US passport holders. No ITIN. | Getting paid by clients abroad and holding several currencies | Visit Wise Business |
Airwallex Global business account with low FX | $0 | Case by case | EIN letter, Certificate of Formation, passport. | Businesses moving money in several currencies | Visit Airwallex |
Bluevine Business checking with an international owner program | $0 | Case by case | EIN and passport. No SSN, no physical US address. | Owners in its 25 countries who have no US address | Visit Bluevine |
Lili Business banking with a non-US owner account | $0 | Case by case | Passport, EIN letter, Articles of Organization. No SSN. | Citizens of Latin America, China or the UAE | Visit Lili |
Relay Business checking with many sub-accounts | $0 | Case by case | Passport and US operating presence; its help center also mentions an SSN. | Owners who also have a US presence or SSN | Visit Relay |
Revolut Business Multi-currency business account | $10/mo | Case by case | EIN and proof of physical presence in the US. | UK and EU residents who already use Revolut | Visit Revolut Business |
Slash Business banking and corporate cards | $0 | Case by case | Passport, EIN, two statements from another bank, proof of revenue. | Established non-resident LLCs that already have revenue | Visit Slash |
Not available to non-US residents: Brex (needs a US physical address unless an owner is in the US, plus funding or revenue); Found (needs an SSN and a US address); Grasshopper (owners must be US citizens or permanent residents); Novo (every owner needs an SSN, a US address and a US phone number); Rho (needs a US operating address or a US-based owner with an SSN).
Each Provider in Detail
Mercury
Online business banking for startups, founded 2017
Accepted US-formed companies with non-US owners are accepted, except residents of about 49 countries (including Nigeria, Pakistan, Bangladesh, the Philippines and Vietnam).
Pros
- + $0 monthly fee and no minimum balance
- + Free ACH, domestic wires and USD international wires
- + Your operating address can be outside the US
- + Debit cards ship abroad in 2 to 3 weeks
Cons
- - Residents of about 49 countries can't open an account
- - A registered agent or virtual address can't be your operating address
- - 1% fee on non-USD wires, 3% on non-USD card spend
Monthly fee: $0. Best for: Most non-resident founders with a US LLC who need a free USD account
Payoneer
Cross-border payments for sellers and freelancers, founded 2005
Accepted Payoneer says US LLCs can use their EIN with no US address. It doesn't publish a list of excluded countries.
Pros
- + Marketplace payouts from Amazon, Upwork and others
- + Withdraw to local bank accounts in 190+ countries
- + Free receiving into local-currency accounts
Cons
- - Percentage fees: 1% on ACH payment requests, up to 3.99% on cards
- - Cross-currency withdrawals cost 1.2% to 4%
- - Not a checking account
Monthly fee: $0 ($29.95 a year if you receive under $6,000 in 12 months). Best for: Marketplace sellers and freelancers paid by platforms
Wise Business
Multi-currency account for international payments, founded 2011
Accepted Accepted with an EIN. Your registered address can be a registered agent, but your trading address must be a real place in a country Wise supports. Nevada LLCs are not accepted.
Pros
- + Local account details in many currencies
- + Conversion from 0.23%, close to the mid-market rate
- + A registered agent address works as the registered address
Cons
- - $6.11 to receive each USD wire
- - Not a full checking account, and no FDIC cover by default
- - The US card only ships to US addresses
Monthly fee: $0 ($31 one-time fee for account details). Best for: Getting paid by clients abroad and holding several currencies
Airwallex
Global business account with low FX, founded 2015
Case by case Accepted case by case. Foreign-run US businesses may be asked for proof of US activity, such as a US bank statement (Mercury doesn't count), contracts or invoices.
Pros
- + FX from 0.5% on major currencies
- + Free ACH
- + Multi-currency cards
Cons
- - Extra document requests for foreign-run LLCs
- - $15 to receive each wire
- - FDIC cover only up to $250K
Monthly fee: $0. Best for: Businesses moving money in several currencies
Bluevine
Business checking with an international owner program, founded 2013
Case by case Open to owners who live in 25 countries, including the UK, Canada, Germany, India, Australia and Singapore. LLCs and corporations only.
Pros
- + No SSN and no physical US address needed
- + A registered agent address works as the legal address
- + FDIC cover up to $3M through a sweep
Cons
- - Only residents of 25 countries qualify
- - $25 per international payment, plus 1.5% FX on non-USD sends
- - Physical card ships to US addresses only
Monthly fee: $0. Best for: Owners in its 25 countries who have no US address
Lili
Business banking with a non-US owner account, founded 2018
Case by case Every 25% owner must be a citizen of one of 20 countries, including Brazil, Mexico, India, China, Canada, the UK and the UAE.
Pros
- + Covers Latin American, Chinese and UAE citizens that others exclude
- + Personal and business addresses can be outside the US
- + Fully remote opening
Cons
- - Decided by citizenship, so most EU-only passport holders don't qualify
- - International wires cost $15 in and $25 out
- - Card ships to a US address only
Monthly fee: $0 (paid plans $15 to $55). Best for: Citizens of Latin America, China or the UAE
Relay
Business checking with many sub-accounts, founded 2018
Case by case Unclear: one help article accepts non-US owners with a passport, another requires an SSN and a US address for every owner. Citizens or residents of 30 countries are blocked.
Pros
- + Registered agent address allowed as the legal address
- + Free incoming wires
- + Up to 20 checking accounts for budgeting
Cons
- - Its own eligibility rules contradict each other
- - International SWIFT wires cost $20 to $25
- - About 70 countries can't send or receive wires
Monthly fee: $0 (paid plans $30 and $90). Best for: Owners who also have a US presence or SSN
Revolut Business
Multi-currency business account, founded 2015
Case by case Only residents of listed countries (UK, EEA except Bulgaria, Canada, Australia, India, UAE and a few more), and it asks for proof of physical presence in the US.
Pros
- + Free FX up to $1,000 a month, then 0.6%
- + $5 international transfers
- + Strong multi-currency app
Cons
- - No free plan
- - A registered agent address likely won't prove US presence
- - Everyone outside the listed countries goes on a waitlist
Monthly fee: $10/mo (plans $10, $40 and $140; no free plan). Best for: UK and EU residents who already use Revolut
Slash
Business banking and corporate cards, founded 2021
Case by case Accepts applicants abroad with a US entity, but asks for statements from another bank and proof of revenue, which a new LLC rarely has.
Pros
- + Incoming international wires included
- + Large FDIC cover through a sweep
- + Card FX of 1%
Cons
- - Hard for a brand-new LLC with no revenue
- - Its pages disagree on whether a US address is required
- - $25 per international wire out
Monthly fee: $0 (Pro $25). Best for: Established non-resident LLCs that already have revenue
FAQ
For a US LLC, yes, and usually online. Fintech accounts such as Mercury, Wise Business and Bluevine accept non-US owners with an EIN and a passport, no SSN or US visit needed. Personal accounts and most traditional banks are harder: Bank of America, for example, asks non-residents to book a branch appointment.
Keep one. Mixing business and personal money weakens the liability protection the LLC gives you and makes taxes and bookkeeping harder. For a non-resident owner it also matters in practice: payment platforms and clients expect to pay an account in the business's name, and clean statements make the yearly IRS filings easier to support.
Most providers ask for three documents: the EIN letter from the IRS (CP575 or 147C), your formation document, and a passport for every owner of 25% or more. Mercury, Wise, Bluevine, Lili and Payoneer open fully online. What decides approval is mostly your country of residence or citizenship, so check each provider's country list before applying.
The state rarely matters. Mercury, Bluevine and Lili treat Wyoming, Delaware and other LLCs the same way. One exception: Wise Business does not accept Nevada LLCs. The address matters more than the state, because Mercury won't take a registered agent address as your operating address.
Usually only in person. Chase lets single-member LLCs apply online but asks other LLCs to visit a branch, and owners without a green card give passport details. Bank of America requires a branch appointment for non-residents. If you can't travel to the US, an online provider is the practical choice.
Mercury, Payoneer, Wise Business, Airwallex, Bluevine, Lili, Relay, Revolut Business, Slash and other product names are trademarks of their respective owners. CostGoat is independent and not affiliated with or endorsed by them. Fees and eligibility change; check the provider's own terms before applying.