Bank Account Eligibility Checker

Yes, from most countries. Mercury, Wise Business, Bluevine and Lili accept non-resident owners without an SSN or ITIN, but each decides by country: Mercury publishes countries it cannot serve, while Bluevine and Lili publish the countries they accept. Check yours in the tool above. Relay’s help center says every owner needs an SSN. Chase does not require an SSN or ITIN from owners but in practice needs a branch visit, and Bank of America’s online application is closed to non-residents.

Not for the fintech providers that accept your country. Mercury, Wise Business, Bluevine and Lili open accounts fully remotely for eligible countries. Traditional banks generally require an in-person visit to a branch for a non-resident owner.

Each provider sets its own review time, and none guarantees one, so we do not quote a duration.

Mercury is the most popular choice for international founders where it is available. It has no monthly fees on its free plan, no minimum balance, accepts non-residents without an SSN or ITIN, and receives Stripe payouts by ACH. It does not serve residents of some countries, including Nigeria, Pakistan, the Philippines, Bangladesh and Ukraine; founders there usually turn to Wise Business. Bluevine is an option for owners living in its 25 eligible countries, including India, the UK and Canada. Check yours in the tool above. StartGlobal provides account setup guidance as part of the formation package.

Banks ask for documents such as your Articles of Organization, Operating Agreement, valid passport, and proof of address from your home country. Some banks also require a US phone number and business website. StartGlobal provides the Articles of Organization and Operating Agreement as part of the LLC formation.