Wise Business US LLC —
Multi-Currency Banking for Non-Residents
Hold USD, GBP, EUR in one unified account. Receive Stripe payouts directly. Transfer to 80+ countries at the real mid-market exchange rate — 0.4% fees vs banks' 3–5%. Open remotely via your US LLC.
0.4–0.8% FX
vs 3–5% legacy
50+ currencies
held simultaneously
Zero monthly fee
no minimum balance
Stripe-ready
domestic US routing
Why Non-Residents Choose Wise Business
Traditional banks charge 3–5% on every transfer. Wise Business was engineered for cross-border operations.
Real Mid-Market Rate
Zero hidden FX markup. Wise uses the live mid-market exchange rate — the exact rate you see on Google.
50+ Currency Accounts
Hold USD, GBP, EUR, AUD, CAD, SGD and convert between balances instantly inside one console.
US Routing Number for Stripe
Get an authentic domestic US routing number and account number for Stripe, Shopify, and Amazon payouts.
Visa Business Debit
Issue international company cards for digital ad spend, AWS hosting, and overseas vendor bills.
Direct Payouts to 80+ Countries
Withdraw USD directly into local bank accounts in Bangladesh, Nigeria, Pakistan, India, and the Philippines.
Automated Batch Payouts
Pay hundreds of overseas contractors or suppliers simultaneously in their native currencies via CSV.
Wise Business vs. Mercury vs. Legacy Banks
Compare features to determine the best operational fit.
| Feature | Wise Business ★ | Mercury Bank | Legacy US Banks |
|---|---|---|---|
| Account type | Multi-Currency Wallet | Full US Bank Account | Legacy Branch Bank |
| Monthly fee | $0 / Month | $0 / Month | $35–$50 / Month |
| FX exchange rate | Mid-market (0.4–0.8%) | Standard wire spread | 3.0–5.0% markup |
| Supported currencies | 50+ Currencies | USD Primary | USD only |
| Stripe payout | ✅ ACH Direct (1–2 Days) | ✅ Next Business Day | ✅ 2–3 Days |
| Debit card | ✅ Multi-Currency Visa | ✅ Mastercard Debit | ❌ US Resident Only |
| International transfers | ✅ Instant Local Rails | ✅ SWIFT Wire | ❌ High Wire Fees |
Frequently Asked Questions
Everything you need to know about opening Wise Business via a US LLC.
Can I open a Wise Business account as a non-resident?
Yes. Wise Business accepts non-resident LLC owners. You apply online using your US LLC documents — Articles of Organization, EIN, and a government ID. No US travel, no US Social Security Number required.
What currencies does Wise Business support?
Wise Business supports 50+ currencies including USD, GBP, EUR, AUD, CAD, SGD, HKD, INR, BDT, and NGN. You hold multiple currency balances simultaneously in one unified account.
How do I receive Stripe payouts in Wise Business?
In your Stripe dashboard, add your Wise Business USD routing number and account number as your payout bank. Stripe deposits USD directly to your Wise account — typically within 1–2 business days.
Can Wise Business transfer money to international local banks?
Yes. Wise Business transfers USD directly to local commercial banks across 80+ countries at the real mid-market exchange rate with tiny transparent fees (0.4%–0.8%).
Does Wise Business come with a debit card?
Yes. Wise Business provides digital and physical Visa debit cards for spending directly from your Wise balance in any currency without unfair foreign exchange markup.
What are Wise Business's fees?
Wise Business has $0 monthly fees. Currency conversions cost 0.4–0.8% at live mid-market exchange rates. Receiving USD via ACH is free.
Wise Business vs Mercury — which is better for non-residents?
Wise Business is best for founders who need multi-currency balances, international contractor payouts, and cheap transfers to home countries. Mercury is ideal for US-centric tech startups requiring FDIC insurance up to $5M and developer APIs. Many HynoGo founders use both.
Open Wise Business via US LLC — in 7–10 Days
Wyoming LLC formation, IRS EIN tax assignment, and Wise Business onboarding guidance included.