A free business bank account finder that matches accounts to where your company is registered and where you live, with how to open each one.
5.0(1 rating)Find business bank accounts for your company, by where it's registered and where you live.
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This free business bank account finder shows the bank accounts your company can open, by where it's registered and where you live.
Pick where you live and where your company is registered.
The finder shows what your company can open first, with the accounts that take owners who live abroad at the top, and what each one asks for.
It lists business accounts only.
For business credit cards, use the card finder.
For taking payments from clients, see payment processors by country, and if you're still building the business, my guide to making money online.
How to open a business bank account as a non-resident
Business accounts ask for more than personal ones, because the bank checks the company and its owners:
- Form and register the company first. Mercury, for example, takes companies formed and registered in the US. The US LLC checker and company formation compared help you pick where.
- Get a tax number. In the US that's an EIN, and Chase Business Complete accepts a Social Security number, an ITIN or an EIN.
- Gather the papers. The company's registration documents, ID for the owners, and who owns and controls the company. Chase asks for two IDs, and a passport works for non-US citizens.
- List the owners. Mercury asks for everyone who owns 25% or more.
- Show a real address. Mercury doesn't accept registered agent addresses or P.O. boxes, and LHV asks for a clear connection to Estonia.
- Apply online or at a branch. Chase opens online or with a banker at a branch, where every signer must be present. Wio says its accounts are up and running in 3 working days.
How to use the business bank account finder
Your choices stay in this browser, so the list is ready when you come back.
The best business bank accounts for founders abroad
What each costs a month, and how it opens.
Mercury- Monthly fee
- Free
- Opens
- Online
Relay business checking- Monthly fee
- Free
- Opens
- Online
Wise Business- Monthly fee
- Free
- Opens
- Online
Airwallex- Monthly fee
- Free
- Opens
- Online
Aspire business account- Monthly fee
- Free
- Opens
- Not stated
Revolut Business (UK)- Monthly fee
- £10 a month
- Opens
- Online
Tide business account- Monthly fee
- Free
- Opens
- Online
Starling business account- Monthly fee
- Free
- Opens
- Not stated
Chase Business Complete Checking- Monthly fee
- $15 a month
- Opens
- Online and in a branch
Brex- Monthly fee
- Free
- Opens
- Online
Wio Business- Monthly fee
- AED 99 a month
- Opens
- Online
LHV (Estonia)- Monthly fee
- €30 a month
- Opens
- Online and in a branch
Holvi business account- Monthly fee
- Free
- Opens
- Not stated
Qonto- Monthly fee
- €9 a month
- Opens
- Online
Paysera business account- Monthly fee
- €5 a month
- Opens
- Not stated
Mercury
Mercury · Business accountA US company run from anywhere- Monthly fee
- Free
- Foreign fee
- 3%
- Cash abroad
- 3%
- Protected up to
- Not listed
- Opens
- Online
- Who can open
- People abroad too
Business checking and savings are free, it takes US companies whose founders live abroad, and it opens online.
- Opens online for founders living abroad
- Free business checking and savings
- Only for companies registered in the US
- Not a bank itself: deposits sit with partner banks
What it asks for: A company formed and registered in the US; a physical US or international address where the business operates; registered agent addresses, P.O. boxes and UPS Store addresses are not accepted; everyone who owns 25% or more, directly or through another company, must be listed
- 1Form and register the company in the US.
- 2Apply online; founders who live outside the US are supported, except in certain countries and regions.
- 3List everyone who owns 25% or more of the company.
- 4Give a physical address where the business operates; registered agent addresses, P.O. boxes and UPS Store addresses are not accepted.
Visit MercuryRelay business checking
Relay · Business account- Monthly fee
- Free
- Foreign fee
- Up to 2%
- Cash abroad
- Not listed
- Protected up to
- $3,000,000
- Opens
- Online
- Who can open
- People abroad too
US companies, including ones owned from abroad, that want free business checking.
- Free Starter plan
- Takes US companies owned by people abroad
- FDIC coverage up to 3 million USD through program banks
- Owners abroad need a physical US address
- The business needs an operating presence in the US
- 1Register the business in the US and get its EIN.
- 2Apply online with the company documents, such as the articles of incorporation or organization and the EIN letter.
- 3Owners who aren't US citizens show a passport; owners who live outside the US also give a physical US address, with no P.O. boxes or virtual mailboxes.
Visit RelayWise Business
Wise · Business accountHolding and paying in many currencies- Monthly fee
- Free
- Foreign fee
- From 0.23%
- Cash abroad
- $250 a month free
- Protected up to
- Safeguarded
- Opens
- Online
- Who can open
- People abroad too
It holds, converts and pays in many currencies, with a one-time fee for account details set by where the company is registered.
- Opens online for companies in most countries
- Account details in several currencies after one fee
- A one-time fee for account details
- Not a bank: safeguarded, not deposit-insured
- 1Sign up and add your business details; Wise tells you whether it supports businesses in your country.
- 2Give the registration number, registered and trading addresses, industry, online presence, and the key people (directors and owners).
- 3If you're not a director, show you're authorised: a signed letter of authorisation, a power of attorney or a board resolution.
- 4Wise may email for documents: proof of the trading address, ownership documents, and ID for the account administrator and other owners.
Visit WiseAirwallex
Airwallex · Business accountConverting currencies close to the interbank rate- Monthly fee
- Free
- Foreign fee
- 0.5%
- Cash abroad
- Not listed
- Protected up to
- Not listed
- Opens
- Online
- Who can open
- People abroad too
It converts at 0.5% above interbank rates for major currencies and 1% for the rest, for registered companies in the countries it supports.
- Converts at 0.5% above interbank for major currencies
- Local transfers to 120+ countries
- Business only
- 1% on less common currencies
What it asks for: A fully incorporated business in good standing, registered in a country Airwallex supports
- 1Check your company is officially registered, active and in good standing in a country Airwallex supports; it doesn't open personal accounts.
- 2Apply online; the country your company is registered in decides which Airwallex company onboards it.
Visit AirwallexAspire business account
Aspire · Business account- Monthly fee
- Free
- Foreign fee
- Not listed
- Cash abroad
- SGD 5 each
- Protected up to
- Not listed
- Opens
- Not stated
- Who can open
- People abroad too
Companies in Asia, Australia and the US that pay and get paid in several currencies.
For companies incorporated in Australia, China, Hong Kong, India, Indonesia, Malaysia, the Maldives, Mongolia, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, the US and Vietnam. A company registered outside Singapore sends a certificate of registration showing its directors and shareholdings.
- Free Basic plan
- Takes companies from 16 countries, not just Singapore
- Only for companies incorporated in its 16 countries
Visit AspireRevolut Business (UK)
Revolut · Business accountUK and EEA companies- Monthly fee
- £10 a month
- Foreign fee
- None up to £1,000 a month, then 0.6%
- Cash abroad
- Not listed
- Protected up to
- £120,000
- Opens
- Online
- Who can open
- Not stated
Plans start at £10 a month, for companies registered in the UK or the EEA that can prove a physical presence there.
- 25+ currencies, with global and local account details
- Opens online
- From 10 GBP a month
- 1The company must be registered and able to prove its physical presence in the UK or the EEA.
- 2The person applying must live in a supported country, which depends on where the company is registered.
Visit RevolutTide business account
Tide · Business account- Monthly fee
- Free
- Foreign fee
- 2.75%
- Cash abroad
- £1 each
- Protected up to
- £120,000
- Opens
- Online
- Who can open
- People abroad too
UK limited companies, including ones whose directors live abroad.
- Directors of a UK company can live overseas
- Free plan
- No fee abroad on paid plans
- 2.75% abroad on the Free plan
- Needs a UK mobile number
- Won't serve shell companies, crypto and several other industries
- 1Be 18 or over, with a UK mobile number and a phone registered to the UK App Store or Google Play.
- 2Have the company registered with Companies House; its directors can live in the UK or overseas. Sole traders register with HMRC and need a UK home address.
- 3Check the business isn't on Tide's list of ones it can't serve, such as shell companies, crypto and gambling.
Visit TideStarling business account
Starling · Business account- Monthly fee
- Free
- Foreign fee
- None
- Cash abroad
- Free
- Protected up to
- £120,000
- Opens
- Not stated
- Who can open
- Residents of the UK
UK companies run by directors who live in the UK.
For a limited company or LLP registered at Companies House, where all directors and limited partners with access to the account are UK residents.
- No monthly fee
- No Starling fees on spending or cash abroad
- All directors must live in the UK
- Limited companies and LLPs only
Visit StarlingChase Business Complete Checking
Chase · Business accountA US company with a US tax number- Monthly fee
- $15 a month
- Foreign fee
- Not listed
- Cash abroad
- Not listed
- Protected up to
- $250,000
- Opens
- Online and in a branch
- Who can open
- People abroad too
It opens online or with a banker at a branch, and costs $15 a month unless you meet one of its conditions, such as a $2,000 daily balance.
- Card payments accepted through the account (QuickAccept), with same-day deposits
- No monthly fee with a $2,000 daily balance or a linked Chase Private Client account
- All signers must be present when opening in a branch
- Fees may apply to card purchases in other currencies
What it asks for: 2 forms of ID, one a primary government ID; for non-US citizens who aren't permanent residents, a passport or Matricula Consular card; a Social Security number, ITIN or EIN; business documents, which vary by state (and an assumed name certificate when trading under another name)
- 1Open online, or with a business banker at a branch, where every authorized signer must be present.
- 2Bring 2 forms of ID, one a primary government ID; non-US citizens who aren't permanent residents can use a passport.
- 3Have a Social Security number, an ITIN or an EIN, and your business documents, which vary by state.
Visit ChaseBrex
Brex · Business account- Monthly fee
- Free
- Foreign fee
- Not listed
- Cash abroad
- Not listed
- Protected up to
- $250,000
- Opens
- Online
- Who can open
- Not stated
Funded US startups that want banking and cards in one place.
Brex requires a US EIN, a valid US incorporation, US operations and a US physical address; with a virtual address, an owner or control officer must be physically present and verifiable in the US. It focuses on startups with outside investment or more than $500,000 a year in revenue, and says meeting the rules doesn't guarantee approval.
- Free Essentials plan
- Made for funded startups
- Needs US operations and a US physical address
- Aimed at startups with investment or $500,000+ revenue
Visit BrexWio Business
Wio · Business accountA UAE company, up and running in 3 working days- Monthly fee
- AED 99 a month
- Foreign fee
- Not listed
- Cash abroad
- AED 21 each
- Protected up to
- Not listed
- Opens
- Online
- Who can open
- Not stated
Wio says accounts are up and running in 3 working days, from AED 99 a month on the Essential plan.
- Up and running in 3 working days
- A multi-currency account on every plan
- From AED 99 a month
- SWIFT transfers cost AED 52.50 on the Essential plan
- 1Apply in the Wio Business app: add your company information and get verified.
- 2Wio says accounts are up and running in 3 working days.
Visit WioLHV (Estonia)
LHV · Business accountAn Estonian company with a real connection to Estonia- Monthly fee
- €30 a month
- Foreign fee
- 1%
- Cash abroad
- 2.5%
- Protected up to
- Not listed
- Opens
- Online and in a branch
- Who can open
- People abroad too
LHV opens accounts for companies with a clear connection to Estonia; e-Residency alone is not enough.
- An Estonian bank for companies with real ties to Estonia
- Service in Estonian, Russian and English
- e-Residency alone is not enough to open an account
- No accounts for offshore-registered or offshore-owned companies
- Non-residents usually visit an LHV office
What it asks for: A clear connection to Estonia and a need for an Estonian account; application form; passport copies of board members and beneficial owners (over 25%); a detailed ownership structure; notarised articles of association in Estonian, Russian or English
- 1Show a clear connection to Estonia and a need for an Estonian account; location-independent companies send an overview of their activities and clients.
- 2Send the application form with passport copies of the board members and beneficial owners (over 25%), a detailed ownership structure, and notarised articles of association in Estonian, Russian or English.
- 3Non-residents who can't be identified digitally come to an LHV office; e-Residency alone isn't enough.
Visit LHVHolvi business account
Holvi · Business account- Monthly fee
- Free
- Foreign fee
- From 1%
- Cash abroad
- 2%
- Protected up to
- Not listed
- Opens
- Not stated
- Who can open
- Residents of Finland
Freelancers and small companies registered in Germany, Finland or Austria.
For businesses registered in Finland, Germany or Austria. Every user needs to live in the EEA, the UK or Switzerland; freelancers' and sole traders' creators and admins need to live in the country where the business is registered, without needing to be citizens. German GmbHs and UGs can open while still being founded.
- No monthly fee on Holvi Flex
- Accounts in EUR, USD, GBP and more
- GmbH and UG can open while being founded
- Only for businesses registered in Finland, Germany or Austria
- Every user must live in the EEA, the UK or Switzerland
Visit HolviQonto
Qonto · Business account- Monthly fee
- €9 a month
- Foreign fee
- Not listed
- Cash abroad
- Not listed
- Protected up to
- Not listed
- Opens
- Online
- Who can open
- Not stated
Companies registered in France, Germany, Spain, Italy and 4 more EU countries.
Qonto's own rule: for companies registered in France, Italy, Spain, Germany, Portugal, Belgium, Austria or the Netherlands; foreign companies can open if they're registered and headquartered in one of these countries.
- A local IBAN in its 8 countries
- Foreign companies headquartered there can open
- Only for companies registered in its 8 countries
Visit QontoPaysera business account
Paysera · Business account- Monthly fee
- €5 a month
- Foreign fee
- From 0.7%
- Cash abroad
- Not listed
- Protected up to
- Not listed
- Opens
- Not stated
- Who can open
- People abroad too
Companies inside and outside the EU that want a euro account.
The company's director first opens a personal Paysera account, then picks the company's registration country. Opening is free for companies registered in SEPA countries, Albania or Kosovo, 10 EUR elsewhere; international companies and financial service providers pay 100 EUR.
- Opens for companies from many countries
- Free to open for companies in SEPA countries
- 5 EUR a month
- Higher fees for companies outside SEPA
Visit PayseraEstonia and e-Residency
Estonia's e-Residency comes with a digital ID, but it doesn't open a bank account on its own.
LHV, an Estonian bank, says the e-resident's digital ID is not an identity document, and e-resident status by itself is not enough to open an account.
Location-independent companies registered in Estonia submit an overview of their activities and clients.
LHV doesn't open accounts for companies registered offshore or owned through offshore companies.
How the business bank account finder decides
Each business bank account gets one of four answers for you:
- Nothing rules you out – no rule on the provider's own pages or sign-up form excludes you
- Not confirmed for you – the provider doesn't say whether people who live elsewhere can open it, and you don't live there
- For residents of a country – it's only for residents, or it needs a residence document such as an Emirates ID
- Needs a company in a country – a business account that takes companies from certain countries only
- Its rules exclude where you live – the provider's own list of countries leaves out where you live
- Its rules mention one of your passports – the provider's own list names a country whose passport you hold
Then it rates how hard opening is, for you:
- Easy – it opens online from abroad, with nothing local to show
- Medium – one step in person, or something local you may not have (a tax number, address, bank account or credit history there), extra paperwork, or an income threshold
- Hard – in person only, or a real tie to the country is required
The same rule sits under the list, and every business bank account says why it got its rating.
None of these is a promise: the bank decides when you apply.
Your passport can matter as much as where you live.
Pick every passport you hold, and the finder checks each provider's own published list: some go by where you live, some by citizenship, some by both, and the finder follows each one's wording.
Mercury, for example, goes by where you live, not your citizenship, while Relay counts either.
Where a provider publishes no list, the finder can't check, and US banks also follow US sanctions.
The bank accounts and cards I use
I'm not a US citizen, and I bank with Chase: I have Chase Private Client and Chase Business Complete Checking. Private Client has no foreign exchange fees and no ATM fees worldwide, and Chase waives its $35 monthly fee when you keep $150,000 or more with it.
Private Client is great if you qualify, but it's harder to get. You need proof of a US address, which you can get without living in the US, by staying there for a while or getting a short contract there. After that it's usually easy, especially with a good relationship with your banker. It depends on the banker and what they think: one turned me down, and another in the same city said yes.
Most people start with a regular account like Chase Total Checking, and I think it's still better than most other US banks. For a US company, I also like Mercury.
I keep a big bank on purpose. A neobank like Wise or Mercury can shut an account down, and with Chase that's very hard. And if JPMorgan Chase ever went under, I think we'd have bigger problems to worry about: it would be the end of the American economy, and in many ways the world's.
I use Wise to hold and convert other currencies, and I bank with HSBC in the UK. I've had American Express cards in the US and in the UK, where I had the Platinum, personal and business. I'm Marriott Bonvoy Titanium Elite.
In Dubai, I banked with Emirates NBD and Mashreq, and had Emirates NBD's Marriott and Emirates cards. I'd recommend Wio Personal and Wio Business there, because they have by far the best UI, but I'd still try to get an Emirates NBD account too.
That's my own mix, not a ranking. I haven't lived everywhere, so the business bank account finder stays objective: the order comes from the rules above, never from what I use.
The Wise link is an affiliate link, so I may earn a commission at no extra cost to you.
Where the facts on these business bank accounts come from
Every fee, rule and requirement comes from the provider's own pages: its product page, fee schedule, pricing and terms, or eligibility page.
Deposit protection comes from each scheme's own site, and each business bank account lists its sources with the date I read them.
When a provider doesn't publish something, the finder leaves it empty and says so, rather than filling it in from a comparison site.
Fees change, so check the provider before you apply.
It's information, not financial advice.
Who is the business bank account finder for?
It's for founders running a company across borders, and each of them has a next step:
- Card finder – business credit cards
- Bank account finder – personal accounts
- Money transfer comparison – paying suppliers and staff abroad
- 183-day rule calculator – founders counting days before a stay makes them a tax resident
- Digital nomad visa finder – founders choosing where to live
- What is a global citizen? – anyone building a life across borders, in my own words
Business Bank Account Finder FAQs
Questions about banks and cards abroad? Here's what to know.
Yes, at some banks.
Mercury takes companies formed and registered in the US, including those whose founders live outside the US, and opens online.
Usually ID for each owner, the company's registration papers, and a tax number such as an EIN in the US.
Each account in the finder lists what it asks for, from the provider's own page.
No, not on its own.
LHV says e-resident status by itself is not enough to open an account, and it asks the company for a clear connection to Estonia.
Wio Business, in the UAE, is up and running in 3 working days, from AED 99 a month.
Wio's page doesn't list which licenses it accepts, so the finder marks that as not yet confirmed.
It depends on the provider and on how quickly it can check your company.
Wio says its business accounts are up and running in 3 working days, and a US company first needs its EIN.
I did. I'm Navid Moazzez, and the business bank account finder is one of my free tools on navid.me.
Read about me, or see my creator profile.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.
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