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I tried opening a US business account in 18 EMIs, here's the result

janet25

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Dec 3, 2023
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I have a US LLC, am non-resident in the US, and signed up to 18 different EMIs.

This is the result after a week:
  1. 3S Money - Asked for $20 to process my application + it charges $100 a month for having the account open
  2. Airwallex - Approved
  3. Brex - Rejected because I have no venture capital (startup focused apparently)
  4. Currenxie - Doesn't offer services to US businesses
  5. Juni.co - Doesn't offer services to US businesses
  6. Mercury - Application still pending
  7. Novel - Application still pending
  8. Payoneer - Wants the withdrawal account to be in the LLCs name (no point having the account then)
  9. Paypal - Doesn't offer services to US businesses to non-residents
  10. Paysera - Doesn't offer services to US businesses
  11. Payset - Doesn't offer services to US businesses
  12. Relay - Won't accept my proof of address because it's not in english. Support doesn't answer through e-mail
  13. Revolut - Doesn't offer services to US businesses
  14. Satchel - Asked way too many questions about where funds would come from, how much and where they would go to before even opening the account
  15. Stratys - Doesn't offer services to US businesses
  16. VertoFX - Application still pending
  17. Wallter - Asked for 500 EUR to open the account
  18. Wise - Approved
Hopefully this helps others in the future.
 
Great stuff! Would be good to have a list of EMIs that open accounts for US LLCs excluding those that have very expensive charges specialised in clients that don't have many other options.

I got 4 more suggestions:

zen.com (licensed in Lithuania but founder and team behind it from Poland)

"In which country should my company be registered in order to create a ZEN business account?
You can find a list of supported countries, as you fill out the integration application. Just start typing the first letters of the name of the country that you are interested in. If it appears in the search results, then a company registered there can benefit from opening a ZEN account. If it doesn’t, then, unfortunately, the country is not currently supported. [US was on their list]"

Verifo (Lithuania)

"Which countries is Verifo available in?
Verifo is a global digital banking alternative that provides complete financial freedom. You can open an account with us regardless of your citizenship, but there is a list of countries from which we are legally not allowed to accept clients.
You can find the list of prohibited countries here: [US not on the (quite long) list of prohibited countries]"


Narvi (Finland, with the founder originally from New Zealand)

"Which countries are you currently onboarding customers from?
We can currently onboard customers based in any European country and many other countries worldwide. Almost all companies that are incorporated in the European Union and European Economic Area (EU/EEA) can be easily onboarded to Narvi. We are also able to onboard some customers whose companies are incorporated outside the EU/EEA. Please contact us to confirm if we are currently able to onboard your company or simply start our digital onboarding process, submit your application and our team will get back to you." [so maybe US LLCs]

Levro (US)

List of permitted [including US] and prohibited countries here: Levro | Currencies and Countries
Can confirm that a US LLC with a non resident member, can open an account with Levro and that multiple currencies are supported.
 
Last edited:
You can negotiate the fess with Zen,however, they declined us :D
 
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I have Revolut Business for my US LLC.

And I don’t live in USA.
Good to know. I didn't have that option so I signed up for Revolut Pro, but they closed my account because they said they didn't allow businesses using Pro accounts, only freelance individuals. Their support team seems to be based in third world countries, so I'm not touching Revolut again no matter what.
 
Just got approved on Mercury. That's 3.


Maybe it's not available for non-residents? It didn't show me the option to select USA when I was logged in on Revolut.

Mercury is enough with time you will know why

If you wanna step up go with BOA directly

But Mercury there are companies making 100s of millions per year and they are ok eith that
 
I have a US LLC, am non-resident in the US, and signed up to 18 different EMIs.

This is the result after a week:
  1. 3S Money - Asked for $20 to process my application + it charges $100 a month for having the account open
  2. Airwallex - Approved
  3. Brex - Rejected because I have no venture capital (startup focused apparently)
  4. Currenxie - Doesn't offer services to US businesses
  5. Juni.co - Doesn't offer services to US businesses
  6. Mercury - Application still pending
  7. Novel - Application still pending
  8. Payoneer - Wants the withdrawal account to be in the LLCs name (no point having the account then)
  9. Paypal - Doesn't offer services to US businesses to non-residents
  10. Paysera - Doesn't offer services to US businesses
  11. Payset - Doesn't offer services to US businesses
  12. Relay - Won't accept my proof of address because it's not in english. Support doesn't answer through e-mail
  13. Revolut - Doesn't offer services to US businesses
  14. Satchel - Asked way too many questions about where funds would come from, how much and where they would go to before even opening the account
  15. Stratys - Doesn't offer services to US businesses
  16. VertoFX - Application still pending
  17. Wallter - Asked for 500 EUR to open the account
  18. Wise - Approved
Hopefully this helps others in the future.
Thanks for sharing, indeed very useful.
You can also try Dime bank. Its a small bank with 49 branches. Account opening process is not complicated.
 

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