Wise Business for Non-Residents: 40+ Currencies at Mid-Market FX
Escape predatory international bank wire fees. Discover how global freelancers, agencies, and digital sellers open a compliant Wise Business account via a US LLC to receive client funds and withdraw locally.
Non-residents qualify for a fully operational Wise Business account by incorporating a US LLC ($0 service fee + $100 state fee) and obtaining an official IRS EIN ($40 expedited). Wise gives you local bank details in USD, GBP, EUR, CAD, and AUD, allowing instant integration with Stripe, PayPal, Upwork, and Amazon.
Why 5,000+ Founders Connect Wise to Their US LLC
Dedicated Local Bank Details
Get US Routing & Account numbers, UK Sort Code & Account, and Euro IBAN. Invoice clients as if you were locally based.
Mid-Market Exchange Rates
Convert USD to your local currency at the real Google/Reuters mid-market exchange rate without high bank markups.
Direct Stripe Payout Link
Stripe deposits USD payouts directly into your Wise USD account with zero ACH fees.
Instant Mobile Money Payouts
Send funds directly to bKash (Bangladesh), M-Pesa (Kenya), GCash (Philippines), or local bank accounts in minutes.
Multi-Currency Corporate Cards
Issue digital and physical Mastercards to pay for server hosting, Facebook/Google ads, and SaaS subscriptions.
Zero Monthly Maintenance
No monthly account management fees or minimum balance requirements for business accounts.
Frequently Asked Questions
Can a non-US resident open a Wise Business account in 2026?
Yes. Non-US residents can open a Wise Business account by registering a US LLC or UK LTD. Wise accepts international founders and lets you hold 40+ currencies, with dedicated local account details in 8+ major currencies (including USD routing/account numbers, UK sort codes, and European IBANs).
Does Wise Business charge a monthly fee?
No. Wise Business has no monthly maintenance fee. There is a one-time account setup fee of $31 USD, after which you only pay a transparent FX conversion markup of 0.33%–0.60% above the mid-market rate when you convert currencies.
Do I need a US Social Security Number (SSN) to open Wise Business?
No. Wise Business verifies non-resident company owners using their foreign passport, proof of home residential address (such as a bank statement or utility bill), and their US LLC's official 9-digit IRS EIN letter.
How does Wise Business connect with Stripe and Amazon?
Wise provides real domestic US routing and account numbers (issued through partner bank Evolve Bank & Trust or CFSB). You simply paste these bank coordinates directly into your Stripe or Amazon seller dashboard. All customer revenue deposits via ACH with zero incoming fees.
Can I withdraw funds from Wise to my local home country bank?
Yes. Wise is the global leader in cross-border transfers. You can send funds from your Wise Business balance directly to local bank accounts or mobile wallets (such as bKash, M-Pesa, GCash, Easypaisa, or commercial banks across 160+ countries) at the exact mid-market exchange rate with transparent, low conversion fees.