Open a US Business Bank
Account from India
Indian banks charge high SWIFT fees for USD wire transfers A US LLC opens doors to Wise Business, Mercury, and WorldFirst — all fully accessible to non-resident owners, no US travel required.
Why India entrepreneurs struggle with banking
International banking restrictions hit India businesses hard. A US LLC solves all of these.
Indian banks charge high SWIFT fees for USD wire transfers
FEMA regulations complicate holding USD in India
Mercury and Relay are more accessible for Indian founders than other nationalities
Repatriation of foreign earnings involves compliance complexity
The 3 best US banks for India LLC owners
All three accept non-resident LLC owners and can be opened fully online from India.
- USD, GBP, EUR accounts in one dashboard
- Local account details in 10+ currencies
- Send & receive in 40+ currencies
- Real mid-market exchange rates
- Accepts non-resident LLC owners
- No monthly fees on basic plan
- USD checking and savings accounts
- Virtual & physical debit cards
- Built-in Stripe & Brex integrations
- API access for developers
- No minimum balance required
- Accepts non-resident LLC owners
- Multi-currency accounts (10+ currencies)
- Excellent Amazon seller payout support
- Competitive FX rates for large transfers
- Collect EUR, GBP, AUD, CAD, JPY
- Ideal for international e-commerce
- Free to open with US LLC
How to open a US business bank account from India
The process is fully remote. HynoGo handles the LLC formation and guides you through banking setup.
Form your US LLC
HynoGo files your Wyoming or Delaware LLC. Completed in 2 business days.
Obtain EIN
Your Federal Tax ID is required by most US banks. HynoGo handles the IRS application.
Apply for banking
We guide you through Wise Business and/or Mercury applications with your LLC documents.
Start receiving payments
Connect your US bank to Stripe, PayPal, or any client payment to receive USD internationally.
What a US bank account gives you
With a legitimate US LLC and US bank account, your business operates exactly like a US-based company.
- Mercury is highly accessible for Indian founders — recommended primary bank
- Wise Business provides excellent INR→USD conversion rates
- Relay and Novo also accessible for Indian-owned US LLCs
- Hold USD indefinitely before converting to INR at optimal rates
Also consider UK LTD banking
A UK LTD opens access to Wise Business UK (GBP sort code), WorldFirst for Amazon Europe, and Revolut Business. Ideal if you have EU or UK clients.
UK LTD for IndiaRecommended banking stack
- Wise Business — everyday multi-currency operations
- Mercury — USD-focused, Stripe integration
- WorldFirst — Amazon seller payouts, high FX volumes
Frequently asked questions
Common questions from India entrepreneurs about US business banking.
What is the best US bank for Indian founders?
Mercury is the top choice for Indian founders — accessible, startup-friendly, and offers good API integration. Wise Business is excellent for multi-currency needs.
Can I open a Mercury account from India?
Yes. Mercury is fully online and does not require US travel or SSN. Your US LLC + EIN is sufficient to apply.
How do I transfer USD from Mercury to my Indian bank?
From Mercury, you can wire USD internationally to your Indian bank account. Wise Business transfers have lower fees and better exchange rates for INR conversion.
Is Wise Business available for Indian LLC owners?
Yes. Wise Business readily accepts Indian-owned US LLCs and provides a full multi-currency account with competitive exchange rates.
Do I need to report my US bank account to Indian tax authorities?
Yes. Indian residents with foreign bank accounts must report them under FEMA and Schedule FA of the Income Tax return. Consult a CA for proper compliance.
Ready to open a US bank account from India?
Form your US LLC and get guided access to Wise Business and Mercury — fully remote, no US travel.