EMI bank which can provide physical/virtual card for Delaware LLC

[lukeruza]

Hello, is there any good EMI for USA LLC that provides card that would be shipped to EU? I heard payoneer does it, not sure about other banks.
Thanks

 

[Gediminas]

Hey,

I might be able to help you to get a card from Bankera. Normally they would not give you this option, but case by case it's doable.

 

[uplana]

Do we have alternatives to Bankera, just in case they won't accept our business.

OP did you check with Wise, they provide a real debit card.

 

[OffshoreDurian]

Wise do not offer a debit card (real or virtual) for US LLC. However it is on their current roadmap and it will be available “later”. No precise date has been given. Fingers crossed that it will be soon!

 

[Tr0nad0r]

I think Mercury (Mercury | Banking built for startups) might be a good option for this case, they work with US companies and you can get the physical debit card with a mail forwarding service.

 

[uplana]

Wise do not offer a debit card (real or virtual) for US LLC. However it is on their current roadmap and it will be available “later”. No precise date has been given. Fingers crossed that it will be soon!

okay, wasn't aware of that they didn't cover the USA they do cover the UK and many other countries, strange since they are US owned right?

Mercury bank has a debit card, for sure.

If everything don't work for you then you still have AdvCash, they have a debit card an may board you if you approach them.

 

[lukeruza]

Hey,

I might be able to help you to get a card from Bankera. Normally they would not give you this option, but case by case it's doable.

Hi, I tried asking them in live chat and they couldn't really reply if I will be eligible even though I'm EU resident. They said I can test it after paying 500€ for bank details.

 

[Gediminas]

if I will be eligible even though I'm EU resident

Nobody from client support will give you any clear responses as regards account confirmation. It's impossible without looking deeply at your case. As regards the debit card, the straight answer would be - you are not eligible. But as I mentioned above, I can make it happen (case by case).

 

[lukeruza]

I think Mercury (Mercury | Banking built for startups) might be a good option for this case, they work with US companies and you can get the physical debit card with a mail forwarding service.

Will give it a try, thanks. Do you have any tips on how to get boarded successfuly? I think I read about them declining companies who don't have physical activity in US etc...

 

[Gediminas]

I think I read about them declining companies who don't have physical activity in US etc...

That's nonsense. They would more often decline the application if the UBO is a US resident, but there are no requirements for having activities in the US.

Onboarding with US LLCs is tricky. I can't give any recommendations out of thin air. Just be honest with the compliance and have patience.

In case you need help, I would be happy to join this process.

 

[Lisa D]

You can check with transactive system as well. I have a backdoor access if that would be interesting for you

 

[Sadhu]

You can also try Relay Financial: Business Banking Made Easy - have both physical and virtual cards

 

[fredouille1973]

You can also try Relay Financial: Business Banking Made Easy - have both physical and virtual cards

do they have direct swift as well or it is a nightmare like mercury ?

 

[James2774]

do they have direct swift as well or it is a nightmare like mercury ?

Relay is the same as mercury, they both use Evolve Bank and Trust for core banking services. I doubt they have direct SWIFT.
Mercury certainly accepts non US citizens it was made with them in mind as well I recall.

As far as shipping a card to the EU goes, you can/should just get a registered agent to receive your mail and forward it, so no worries about wether tha bank itself will send internationally.

 

[Novice]

do they have direct swift as well or it is a nightmare like mercury ?

May I know what's direct swift?

Do you mean direct debit?

 

[lukeruza]

That's nonsense. They would more often decline the application if the UBO is a US resident, but there are no requirements for having activities in the US.

Onboarding with US LLCs is tricky. I can't give any recommendations out of thin air. Just be honest with the compliance and have patience.

In case you need help, I would be happy to join this process.

Can you recommend any bank that supports EUR transfers and provides debit virtual/physical card?

You can also try Relay Financial: Business Banking Made Easy - have both physical and virtual cards

They only offer USD account sadly, I would prefer EUR account.

Relay is the same as mercury, they both use Evolve Bank and Trust for core banking services. I doubt they have direct SWIFT.
Mercury certainly accepts non US citizens it was made with them in mind as well I recall.

As far as shipping a card to the EU goes, you can/should just get a registered agent to receive your mail and forward it, so no worries about wether tha bank itself will send internationally.

Can you recommend any bank that supports EUR transfers and provides debit virtual/physical card?

okay, wasn't aware of that they didn't cover the USA they do cover the UK and many other countries, strange since they are US owned right?

Mercury bank has a debit card, for sure.

If everything don't work for you then you still have AdvCash, they have a debit card an may board you if you approach them.

Can you recommend any bank that supports EUR transfers and provides debit virtual/physical card?

 

[lukeruza]

That's nonsense. They would more often decline the application if the UBO is a US resident, but there are no requirements for having activities in the US.

Onboarding with US LLCs is tricky. I can't give any recommendations out of thin air. Just be honest with the compliance and have patience.

In case you need help, I would be happy to join this process.

Hey XXXX,

We’ve finished reviewing your application. We can’t currently open an account for you, as your company doesn’t have US business operations or serve US customers.

Best of luck with your company,

Mercury