Open a US Business Bank
Account from Philippines
PayPal charges high fees for USD withdrawals to Philippine banks A US LLC opens doors to Wise Business, Mercury, and WorldFirst — all fully accessible to non-resident owners, no US travel required.
Why Philippines entrepreneurs struggle with banking
International banking restrictions hit Philippines businesses hard. A US LLC solves all of these.
PayPal charges high fees for USD withdrawals to Philippine banks
Limited access to US neobanks directly
SWIFT transfers from US clients are slow and expensive
No direct way to hold USD without a US business entity
The 3 best US banks for Philippines LLC owners
All three accept non-resident LLC owners and can be opened fully online from Philippines.
- 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 Philippines
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.
- Wise Business provides US routing number — clients pay like a US bank transfer
- Mercury accessible for Filipino-owned US LLCs
- Zero PayPal fees — invoice directly via Stripe
- USD to PHP conversion at competitive Wise 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.
Recommended 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 Philippines entrepreneurs about US business banking.
What US banks accept Filipino LLC owners?
Wise Business and Mercury are the most accessible for Filipino-owned US LLCs. Both can be opened 100% remotely without visiting the US.
How do I transfer USD to my Philippine bank (BDO, BPI, etc.)?
From Wise Business, you can send PHP directly to BDO, BPI, Metrobank, and most Philippine banks. Wise offers competitive PHP exchange rates.
Can I receive payments from Upwork clients through my US LLC?
Upwork has its own payment system. However, clients who want to pay you directly (outside Upwork) can send USD to your Wise Business US routing/account number.
Is there a minimum balance requirement for Mercury?
Mercury has no minimum balance requirement and no monthly fees for standard accounts. It is free to open and maintain.
Can I receive GCash payments from a US LLC?
GCash is for domestic PHP payments. Your US LLC receives USD internationally — from Wise/Mercury, you convert and send to your GCash-linked bank account.
Ready to open a US bank account from Philippines?
Form your US LLC and get guided access to Wise Business and Mercury — fully remote, no US travel.