Business banking
Your company exists. Now give it an account.
Most business banking declines are not about eligibility. They are about the wrong provider for your country, a vague business description, or a missing document. We match you to a provider that onboards founders from where you live, assemble the documents in the form they want, prepare every answer before it is asked, and submit the application complete.
Provider matched to your country · application prepared from your formation documents
From formation documents to a working account
- 01Provider matched to your country
- 02Documents assembled
- 03Application prepared
- 04Submitted
- 05Account open
What it is
A complete, correctly prepared application to a provider that will actually take you.
Every fintech and bank publishes, or at least follows, a list of countries it will onboard owners from. Mercury has a public prohibited-countries list. Others have narrower or broader coverage, different expectations of monthly volume, and different appetite for e-commerce, software or services businesses. Choosing the provider that fits your country and your business before applying is most of the work. Applying to the wrong one is a guaranteed decline and a record of it.
The formation certificate the state issued. The EIN confirmation letter from the IRS — not a screenshot, the letter. The operating agreement showing who owns and controls the company. A passport and proof of address for each owner. A website or a clear description of what the company sells, to whom, and how much it expects to move each month. A source-of-funds answer that a compliance officer can accept. Each of these is a place applications fail when they are rushed.
- Provider
- Matched to your country
- Every provider publishes where it will and will not onboard. We start from your passport, not from the provider with the best advert.
- Documents
- From your dashboard
- Formation certificate, EIN confirmation letter, operating agreement, passport and proof of address — the set every provider asks for.
- Approval
- The provider's decision
- We prepare the strongest application. We do not promise the outcome, and no honest service can.
- Time to open
- Days to a few weeks
- Fintech providers often approve within days of a complete application. Compliance questions add time; answering them well is part of the work.
Why it matters
Most declines are for incomplete applications, not ineligible founders.
A founder in a country on a provider's prohibited list applies anyway, because a video said that provider was the easiest. The application is declined on residency before anyone reads it. The founder applies to a second provider with the same thin business description and no EIN letter attached, and is declined again — this time on the application itself. By the third attempt the founder is discouraged and the story online is that non-US founders cannot get US accounts. They can. Most declines are for applications that were never going to be read, or that answered the compliance questions badly.
How it works
From your documents to account numbers.
We are not a bank and we do not open accounts. We prepare and submit the application, to a provider we have reason to believe will accept an owner from your country, in the form that provider wants. Approval is the provider's decision, made on its own policy, and it can decline without giving a reason. If your country is one no mainstream provider currently onboards, we will tell you that before you pay, not after.
What every provider asks for
- Formation certificate and EIN letterBoth come from your formation order.
- Owner identityPassport and proof of address for each owner.
- What the business doesA clear description, a website, expected monthly volume.
01First
The provider is matched to where you live
Every bank and fintech publishes a list of countries it will and will not onboard. We start from yours, not from the provider with the best advert.
02From your dashboard
The documents are assembled
Formation certificate, EIN confirmation letter, operating agreement, your passport and proof of address — the set every provider asks for, in the form they want it.
03Business day one
The application is prepared, answer by answer
Business description, expected volumes, source of funds, website — the answers that get applications declined when they are vague. Prepared with you.
04On confirmation
Submitted, with the questions answered before they are asked
The application goes in complete. When the provider's compliance team writes back, you know what they are asking and why.
05Days to a few weeks
The account opens
Account and routing numbers land in your dashboard. Connect Stripe, get paid in dollars. Approval is always the provider's decision, and we say so.
Business Banking Setup
$99
$99
For a company you already have, or added to a formation order. Any state or government fee is invoiced at cost, exactly as the state charges it. Full refund before we begin the work.
Set Up Business BankingWhat’s included
- Matching you to a business banking provider whose published country policy includes where you live
- Assembling your formation certificate, EIN letter, operating agreement and owner identity documents in the format the provider asks for
- Preparing the application answer by answer — business description, expected volumes, source of funds, website — with you
- Submitting the complete application, and explaining any follow-up question the provider's compliance team asks
- Account and routing details saved to your dashboard when the account opens, with how to connect Stripe payouts
Not included
- Any guarantee that an account will be opened — it is always the provider's decision
- Opening an account with a traditional bank that requires an in-person visit
- Personal bank accounts, which are a different product with different rules
Where founders bank
The provider depends on the passport.
Account and routing numbers land in your dashboard. Stripe payouts connect to the account in a few minutes. A debit card follows by post to whichever address the provider accepts — a US business address helps here. From then on the account is yours and the provider's; we are not a party to it, and we do not see your transactions.
- Mercury
- Publishes a prohibited-countries list · fast when you are eligible
- Relay, Brex
- Different country rules and volume expectations
- Wise Business, Payoneer
- Broader country coverage · USD account details
- Traditional banks
- Usually require a visit in person
Direct answers
Frequently asked questions.
Checked 2026-07-28. If something here is out of date, tell us and we will fix it the same day.
Yes, with a US LLC, an EIN and a provider whose country policy includes where you live. Fintech providers do this remotely; most traditional banks still want an in-person visit. The provider match is the part that matters.
It depends on your country, what the business does and the volumes you expect. Mercury, Relay, Brex, Wise Business and Payoneer all have different country coverage and appetite. We recommend the one whose published policy fits you, and tell you why.
Yes. Every provider asks for the IRS EIN confirmation letter. If you formed with RazorFile, EIN assistance is part of your order; if not, our EIN service gets it for you first.
No, and be wary of anyone who says they can. The provider decides on its own policy and can decline without a reason. What we can do is make sure the application is complete, sent to a provider that accepts your country, and answers the compliance questions well.
Assembling and preparing the application takes a few days once we have your documents. Fintech providers often approve within days of a complete submission; follow-up compliance questions can add a week or two.
For some providers, yes — for the account's registered address and for receiving the debit card. It does not change the country rules, which follow where the owner lives. If it helps in your case, we will say so.
Get paid in dollars
Your company exists. Now give it an account.
A provider matched to your country and an application prepared from your formation documents, answer by answer.
Business Banking Setup — $99
Set Up Business Banking