Business Banking Assistance

Open a Business Bank Account
in 50+ Countries — Expert-Assisted

Opening a US bank account — or a business account in any jurisdiction — is the hardest part of company formation, not the registration itself. CompanyVista prepares and submits business bank account applications for companies registered in 50+ countries, covering both fintech and traditional banking routes. Expert-prepared applications achieve 95%+ approval rates where available.

🇺🇸 Mercury · Relay · Lili 🌍 Payoneer 🌏 Wise Business · Airwallex 🇦🇪 UAE Traditional Banks 🇸🇬 Singapore DBS · OCBC 🇭🇰 HK Fintech & Traditional 🇬🇧 UK Starling · Tide · HSBC
95%+
Approval rate — CV-formed companies
50+
Countries covered
3 days
Fastest fintech opening
Fintech
+ Trad.
Both options covered
Get Banking Assistance → View by Jurisdiction ↓
Get Free Banking Consultation

Tell us your company and we'll identify the best banking route — free, no commitment required.

🔒 Free consultation · No commitment · Response within 4 hours · Written quote before payment

Recommended Banking Solutions

Opening a US Bank Account
and International Business Accounts

The right banking option depends on where your company is registered and what you need. CompanyVista advises the right choice during your free consultation and prepares the full application on your behalf.

Where to Open a US Bank Account — and International Business Accounts

PayoneerInternational — 190+ Countries

Our first recommendation for companies in any jurisdiction. The key difference: CompanyVista clients get banker-assisted onboarding with a named contact reachable by phone, WhatsApp and call — not an email ticket queue.

Recommended for
UAE, UK, Singapore & all internationalMulti-currency accountsGlobal supplier paymentsPhone & WhatsApp banker support
Named banker contact — reachable by phone, WhatsApp and scheduled calls, not just email
Receive and send payments in USD, EUR, GBP, JPY, AUD, CAD and more
Pay suppliers, contractors and employees in 190+ countries
Available for companies registered in all 60+ countries CompanyVista operates in
Cash rewards based on monthly transaction volume — $35 to $750
Earn $35 to $750 in cash rewards based on your monthly transaction volume. Select your volume below to get started.
Select your expected monthly volume
$35
Cash reward when you transact $5,000+/mo monthly
Open Payoneer Account →
$150
Cash reward when you transact $20,000+/mo monthly
Open Payoneer Account →
$400
Cash reward when you transact $50,000+/mo monthly
Open Payoneer Account →
$750
Cash reward when you transact $100,000+/mo monthly
Open Payoneer Account →

Cash rewards are credited to your Payoneer account on meeting the monthly threshold. Available when you open via the link above.

Open Payoneer Account →
MercuryUnited States — LLC & C-Corp

The leading banking solution for non-resident US LLC and C-Corp owners. Fully remote onboarding — no US visit or SSN required. Open within 3–7 days with a correctly prepared application.

Recommended for
US LLC & C-CorporationVC-backed startupsAmazon FBA & ShopifyStripe & PayPal businesses
Fully remote — no US visit, no SSN, no US address required
Documents needed: EIN, Articles of Formation, passport
ACH, domestic wires, international wires and virtual cards
Earn yield on idle cash in FDIC-insured accounts
Integrates with Stripe, QuickBooks, Xero, Gusto and more
CompanyVista prepares and submits your Mercury application — achieving significantly higher approval rates than self-prepared applications. Open through our assisted service for best results.
Open Mercury Account →
LiliUnited States — Freelancers & Small Business

A US business banking solution built specifically for self-employed professionals, freelancers and small business owners. Simple, clean and free — with built-in tax tools that most founders genuinely need.

Recommended for
US freelancers & solopreneursSingle-member LLCSimple banking needsBuilt-in tax savings
No monthly fees — free tier covers most freelancer needs
Automatically sets aside a percentage of income for tax payments
Expense categorisation and real-time balance notifications
Business debit card with cashback on eligible purchases
Remote onboarding — no US visit or SSN required
Simpler than Mercury for solo operators who don't need team accounts, spend controls or startup integrations. CompanyVista assists with application preparation for best results.
Open Lili Account →
The Real Challenge

Why Business Banking is Hard —
and How CompanyVista Solves It

Most company formation services hand you a certificate and leave banking to you. That is where founders get stuck — sometimes for months. CompanyVista treats banking as a core part of the formation service, not an afterthought.

⚠️Why Banks Reject Business Accounts
Incomplete or incorrectly prepared documents — the most common cause. Banks have specific document requirements per jurisdiction that most founders do not know.
Unclear business model — banks need to understand exactly how you make money, who your clients are and where transactions originate. Vague answers trigger rejections.
High-risk jurisdictions or business types — crypto, gaming, adult content, CBD, arms, money services — many banks decline these categories regardless of documentation quality.
Offshore holding structure without operating company — BVI and Cayman companies cannot open accounts directly at most banks. A HK, SG or UAE operating company is the standard solution.
Wrong bank for the jurisdiction — applying to a bank that rarely accepts your company type wastes weeks. Knowing which banks work for each structure is critical.
✅How CompanyVista Improves Approval Odds
Right bank, first time — we know which banks and fintech providers accept which company types from which jurisdictions. We advise before any application is submitted.
Expert-prepared application package — documents prepared correctly, business description written clearly, source of funds documented, all requirements pre-checked against the bank's specific KYC checklist.
Fintech first, traditional second — we recommend opening a fintech account first to get the company operational immediately within days. Traditional banking requires in-person presence and is a separate engagement.
Follow-up and escalation — we monitor application status, follow up with the bank proactively and escalate where necessary. You are not left wondering what is happening.
Alternative if first-choice bank declines — if the primary bank declines, we advise on the next best option and prepare a new application package.
Before We Can Help — Full Disclosure Required

What You Must Disclose —
No Exceptions, No Omissions

CompanyVista's ability to assist with banking depends entirely on having the complete, accurate picture. Partial disclosure leads to failed applications and wastes your time and money. We require full transparency on all of the following.

⚠️Prior Banking Applications — Must Disclose
Any bank or fintech that previously rejected your company — name of the institution, approximate date and the reason given, if any. Prior rejections are visible to other banks through shared compliance databases.
Any application currently in progress — multiple simultaneous applications to different banks can trigger red flags in compliance systems.
Any application made by another provider or agent — the outcome and details must be disclosed regardless of when this occurred.
Any account that was closed by a bank — accounts closed at the bank's discretion are a significant red flag. Non-disclosure discovered during bank due diligence will result in rejection.
⚠️Company Information — Must Disclose
Whether the company was formed by CompanyVista or another provider — companies formed outside CompanyVista may have documentation gaps that affect banking eligibility.
Full UBO and shareholder information — all ultimate beneficial owners must be disclosed regardless of percentage held. Banks run UBO checks against global sanction and PEP lists.
Business activity and source of funds — any activity that has changed since incorporation, any high-risk categories and the source of initial capital must be disclosed in full.
Any regulatory, legal or compliance issues — court orders, regulatory notices, tax investigations or sanctions involving any director, shareholder or UBO must be disclosed.
ℹ️ CompanyVista achieves 95%+ approval rates for companies we form from inception — because we have full visibility from day one. For companies formed elsewhere or with a prior rejection history, success rates depend on the specific circumstances. Full disclosure is the only basis on which we accept a banking mandate.
⛔ Approval is at the sole discretion of the bank. CompanyVista cannot influence or guarantee a bank's compliance or credit decision. No agent, consultant or formation firm can guarantee bank account approval. What CompanyVista guarantees is a complete, correctly presented, professionally packaged application.
Two Routes to Banking

Fintech Accounts vs Traditional Banks —
Which Route Is Right for You?

CompanyVista always recommends a fintech account first — it opens faster, has lower KYC requirements and gets your company operational within days. Traditional banking is added later where required.

⚡ Recommended First
Fintech / EMI Accounts — Open Within Days
Opening timeline
3–14 days
KYC requirements
Low — digital
In-person visit
Not required
Multi-currency
Yes — 30–190+ currencies
Monthly fees
Free – $50/month
FX rates
Excellent (mid-market)
Best providers by jurisdiction:
USA (LLC/C-Corp): Mercury · Relay · Lili
International / Global: Payoneer (named banker — phone & WhatsApp) · Wise Business
APAC: Airwallex · Neat · Statrys
UK / EU: Wise Business · Revolut Business · Tide
🏛️ Where Required
Traditional Banks — For Specific Needs
Opening timeline
4–16 weeks
KYC requirements
High — extensive
In-person visit
Often required
Multi-currency
Yes
Monthly fees
$0–$100+/month
FX rates
Spread-based
Options by jurisdiction:
UAE: RAK Bank · Emirates NBD · Mashreq · ADCB
Singapore: DBS · OCBC · UOB · Standard Chartered
Hong Kong: HSBC HK · Standard Chartered · DBS HK
UK: Barclays · NatWest · HSBC UK · Lloyds
⚠️ Mandatory physical presence for traditional banking: Traditional business bank accounts in UAE, Singapore, Hong Kong and most other jurisdictions require the mandatory in-person physical visit of a director or authorised signatory. This cannot be waived. CompanyVista prepares your complete application in advance — but physical attendance is a bank-mandated requirement. Plan your travel accordingly before engaging us for traditional banking assistance.
Banking by Jurisdiction

Best Banking Options —
by Company Jurisdiction

US Bank Account Options and International Banking by Country

JurisdictionFintech — First RecommendationTraditional BankingIn-Person Required?
🇺🇸 USA LLC / C-CorpPayoneer · Mercury · Lili (freelancers)Chase · Bank of America · Wells FargoTraditional: usually yes for non-residents
🇬🇧 UK LtdPayoneer · Wise Business · Revolut BusinessBarclays · NatWest · HSBC UK · LloydsFintech: No · Traditional: varies
🇦🇪 UAE Free ZonePayoneer · Wise Business · AirwallexRAK Bank · Emirates NBD · Mashreq · ADCBTraditional: Yes — in-person mandatory
🇸🇬 Singapore Pte LtdPayoneer · Airwallex · StatrysDBS · OCBC · UOB · Standard CharteredTraditional: Yes — in-person usually required
🇭🇰 Hong Kong LtdPayoneer · Airwallex · Neat · StatrysHSBC HK · Standard Chartered · DBS HKTraditional: Very difficult for non-residents
🇨🇦 Canada CorpPayoneer · Wise Business · AirwallexRBC · TD Bank · ScotiabankTraditional: in-person usually required
🇻🇬 BVI / 🇰🇾 CaymanStructure advice needed — operating company requiredButterfield (Cayman) — fund structures onlyUse HK/SG/UAE operating co. for banking
🇪🇪 Estonia OÜPayoneer · Wise Business · Revolut Business · LHVLHV · SEB · SwedbankFintech: No · Traditional: varies
🇬🇪 Georgia LLCPayoneer · Wise Business · TBC BankTBC Bank · Bank of GeorgiaTBC Bank: remote-friendly for non-residents
🇲🇺 Mauritius GBCPayoneer · Airwallex · Wise BusinessSBI Mauritius · Investec · HSBC MauritiusTraditional: in-person usually required
⚠️ BVI and Cayman banking: Direct banking for BVI Business Companies and Cayman Exempted Companies is extremely difficult. The standard solution is to register an operating company in Hong Kong, Singapore or UAE beneath the offshore holding entity. The operating company handles all banking; the offshore entity holds shares and assets. CompanyVista advises on and sets up this structure during consultation.
Recommended Providers

Fintech & EMI Banking Options —
Vetted & Recommended

CompanyVista works with — and has direct experience with — every provider listed below. All recommendations are based on actual approval rates and client outcomes.

Best Providers for a US Bank Account and Multi-Currency Business Banking

Payoneer
Global — 190+ Countries · Our First Recommendation
The strongest banking option we offer for companies in any jurisdiction. Multi-currency business accounts, payments to 190+ countries and competitive FX rates. Available for companies registered in all 60+ countries CompanyVista operates in.
Why we recommend Payoneer first: Through our banking relationship, CompanyVista clients get banker-assisted onboarding with a named contact reachable by phone, WhatsApp and scheduled calls — not just an email ticket queue. That contact stays with you after the account opens, for payments, disputes, FX and limit queries. Every other provider on this page offers email-only support.
190+ countriesMulti-currencyPhone · WhatsApp · Call supportNamed banker
Open Account →
Mercury
USA — LLC & C-Corp
The leading US bank account option for non-resident LLC and C-Corp owners. Free, fully remote, no SSN required. Strong Stripe, QuickBooks and startup tooling integration. Opens within 3–7 business days with a correctly prepared application.
Support: Email and in-app support only — no named banker contact.
US LLC / C-CorpNo SSN requiredFree3–7 days
Open Account →
Lili
USA — Freelancers & Small Business
Built for self-employed US professionals and single-member LLC owners. No monthly fees, automatic tax savings that set aside a percentage of income, expense categorisation and a cashback debit card.
Support: Email and chat support only — no named banker contact.
FreelancersNo monthly feeBuilt-in tax toolsRemote onboarding
Open Account →
Relay
USA — LLC
US LLC banking with multi-account organisation and cash flow tracking. Up to 20 sub-accounts. A good Mercury alternative for businesses that need structured cash management.
Support: Email support only.
US LLCNon-residentFree3–7 days
Wise Business
Global — Multi-Currency
Excellent for UK, UAE, SG, HK and EU companies. Local account details in 10 currencies, mid-market FX rates and no monthly fee on the basic plan. Widely accepted by clients and suppliers.
Support: Email and help centre only.
UK · UAE · SG · HK50+ currenciesMid-market FX7–14 days
Airwallex
Global — APAC Focus
Strong for Singapore, Hong Kong and Australian companies. API-first with excellent integrations. Local accounts in USD, GBP, EUR, SGD, HKD, AUD and 60+ currencies.
Support: Email support · account manager at higher volumes.
SG · HK · AU60+ currenciesAPI-first7–14 days
Statrys
HK / Singapore — EMI
Designed for Hong Kong and Singapore company owners. 11 currencies supported. A practical option for companies that struggle with traditional HK bank onboarding.
Support: Dedicated manager at higher tiers.
HK · SG11 currenciesEMINon-resident
Neat
Hong Kong — EMI
HK-specific EMI for non-resident Hong Kong company owners. A good alternative when traditional HK banking is too slow or unavailable. Supports HKD, USD, EUR and GBP.
Support: Email support only.
HK LtdNon-residentHKD · USDEMI
Revolut Business
UK / EU — EMI
Strong for UK Ltd and EU companies. Multi-currency accounts, expense cards and team accounts. Best suited to companies with significant EU operations or travel spend.
Support: In-app chat support only.
UK · EU30+ currenciesTeam cardsEMI
What's Included

CompanyVista Banking Assistance —
What We Actually Do

🎯
Bank Selection — Right Bank, First Time
Based on your jurisdiction, business type, nationality and transaction needs — we recommend the highest-probability banking option for your specific profile. Not a generic list.
📋
Application Package Preparation
All documents prepared to each bank's exact requirements — company documents, director KYC, business description, source of funds. Errors are the most common rejection cause.
✍️
Business Description & Source of Funds
We write a clear, compliant business description tailored to each bank's compliance requirements — explaining what your company does, where revenue comes from and how transactions flow.
📤
Submission & Active Monitoring
We submit the application and track status proactively — following up with the bank's compliance team. No disappearing after submission.
📞
Bank Queries & Additional KYC
Banks frequently request additional documents during review. CompanyVista handles all follow-up requests — gathering supplementary documentation within required timeframes.
👤
Dedicated Payoneer Account Management
For Payoneer accounts, your dedicated account manager is available throughout the entire banking relationship — for payments, disputes, FX queries and all account matters.
🔄
Alternative if First Bank Declines
If the primary bank declines, we advise on the next best option and prepare a fresh application. Banking assistance is not complete until your account is open and operational.
🏗️
Banking Structure Advice
For complex structures — offshore holding above an operating company, multi-jurisdiction setups — we advise on the correct entity to bank through and the correct sequence of account opening.
How It Works

From Application to
Open Account in 5 Steps

How CompanyVista Opens Your US Bank Account or International Business Account

1
Banking Consultation — Profile Assessment
We assess your company's banking profile — jurisdiction, business type, nationality, transaction currencies, anticipated volumes and any high-risk factors. This determines which banks are most accessible and which to avoid, saving weeks of failed applications.
⏱ Free · Included with company formation or as a standalone engagement
2
Bank Shortlist & Strategy
CompanyVista recommends 2–3 specific banking options in priority order — typically a fintech option for immediate operational access and a traditional bank for longer-term needs. We explain the approval likelihood, timeline, document requirements and fees for each before you commit.
⏱ Recommendation within 24 hours of consultation
3
Application Package Preparation
Every document prepared to the specific bank's requirements: company documents, director KYC packages, business description, source of funds, bank reference letters, account purpose declaration. We check against the bank's published and unpublished KYC requirements before submission.
⏱ 2–5 business days to prepare complete package
4
Submission, Visit Coordination & Active Monitoring
For fintech accounts, CompanyVista submits and monitors status to approval. For traditional banking — which mandates the in-person physical visit of a director or authorised signatory — CompanyVista coordinates the visit logistics: which branch, which documents to carry, what to expect during the KYC interview. We monitor the application and respond to all compliance queries.
⏱ Fintech: 3–14 days · Traditional: 4–16 weeks + mandatory in-person visit
5
Account Open — Setup, Handover & Next Steps
Once approved, CompanyVista assists with initial account setup — currency accounts, payment limits, online banking access and integration guidance. We confirm the account is fully operational before closing the engagement. If the bank declines — we advise on the reason, recommend the next most appropriate bank and prepare a fresh application. Approval is always at the sole discretion of the bank.
⏱ Setup: 1–2 business days after approval
Why CompanyVista

Why Our Clients Get Banking
When Others Can't

🎯
Right Bank, First Time
We know which banks accept which company types from which jurisdictions — built from hundreds of actual applications. We do not send you to a bank that rarely accepts your profile and waste 8 weeks finding out.
📋
Expert-Prepared Applications — 95%+ Approval
CompanyVista achieves 95%+ approval rates for companies formed by us from inception. Self-prepared applications for non-residents succeed at approximately 40–60%.
⚡
Operational in Days — Not Weeks
We open a fintech account in parallel with any traditional bank application. Your company starts transacting within days — not after a 12-week bank review.
👤
A Real Banker — Not an Email Queue
Through our Payoneer banking relationship, clients get a named banker contact reachable by phone, WhatsApp and scheduled calls — before and after the account opens. Every other fintech provider gives you an email ticket and a help centre article.
🔄
We Don’t Stop at One Rejection
If the first bank declines, we advise on the next best option and prepare a new application. We consider the engagement open until your account is operational.
🌍
Same Team as Your Formation
Your CompanyVista account manager already knows your company structure, directors and business model. Banking assistance does not require starting over with a new provider.
Frequently Asked Questions

Business Banking —
Questions Answered

Can a non-resident open a US bank account for their LLC?+
Yes — non-residents can open a US bank account for their LLC without visiting the United States. Mercury, Relay and Lili all offer fully remote account opening with no SSN required. You need your EIN, Articles of Formation and passport. CompanyVista prepares and submits your application, achieving 95%+ approval rates for companies registered through us.
What is the best US bank account for a non-resident LLC owner?+
Mercury is the best US bank account option for most non-resident LLC and C-Corp owners — free, fully remote, no SSN required, strong Stripe and payment processor integration, opens within 3–7 days. Lili is the better choice for US freelancers and solopreneurs who want simple banking with built-in tax savings tools. Relay is excellent for businesses needing organised multi-account cash flow management.
Can I open a US bank account without visiting the USA?+
Yes. Mercury, Relay and Lili all offer 100% remote account opening for non-resident US LLC and C-Corp owners — no US visit, no SSN, no US credit history required. CompanyVista prepares and submits your application documents, achieving significantly higher approval rates than self-prepared applications.
How long does it take to open a US bank account for an LLC?+
Mercury, Relay and Lili typically open US business bank accounts within 3–7 business days when the application is correctly prepared. Incomplete or incorrectly prepared applications are the most common cause of delays and rejections. Traditional US banks (Chase, Bank of America) require in-person visits and take significantly longer — not recommended as a first route for non-residents.
What documents do I need to open a US bank account as a non-resident?+
Standard requirements for Mercury, Relay and Lili: EIN confirmation letter (IRS CP 575 or 147C), Articles of Formation or Certificate of Incorporation (state-certified), Operating Agreement, passport of all beneficial owners with 25%+ ownership, description of business activities and expected transaction volumes. CompanyVista prepares and reviews all documents before submission.
Why do US bank account applications get rejected for non-residents?+
The most common causes are: inconsistent documentation (EIN name vs articles name mismatch), vague business description, insufficient source of funds explanation, and incomplete beneficial ownership information. CompanyVista's expert preparation addresses all of these before submission, achieving 95%+ approval rates versus 40–60% for self-service applications.
What is the best bank account for international companies outside the USA?+
Payoneer is CompanyVista's primary recommendation for international companies registered outside the USA — it works for all 60+ jurisdictions we operate in, supports multi-currency accounts, and includes dedicated account management. For UK, UAE, SG and HK companies, Wise Business and Airwallex are also excellent options.
How long does it take to open a business bank account in UAE, Singapore or Hong Kong?+
Fintech accounts (Payoneer, Wise Business, Airwallex) open within 3–14 business days without requiring an in-person visit. Traditional banks in UAE take 4–12 weeks and require in-person attendance. Singapore traditional banks (DBS, OCBC) take 4–8 weeks with in-person attendance usually required. HK traditional banks are the slowest — 8–16 weeks and very difficult for non-residents.
Why can't BVI or Cayman companies open bank accounts easily?+
BVI and Cayman companies are classified as offshore entities by most banks, triggering enhanced due diligence and frequent outright rejection. The standard solution is to register an operating company in Hong Kong, Singapore or UAE beneath the BVI/Cayman holding entity. CompanyVista advises on and sets up this structure during consultation.
Is bank account approval guaranteed?+
No — approval is never guaranteed and CompanyVista does not guarantee it. Approval is at the sole discretion of the bank's compliance and credit teams. No agent, consultant or formation firm can guarantee bank account approval. CompanyVista achieves 95%+ approval rates for companies formed by us from inception — where we have full visibility from day one. We ensure your application is complete, correctly presented and professionally packaged.
What support do I get after my bank account is open?+
This is where the options differ significantly. Mercury, Lili, Relay, Wise Business and most fintech providers offer email and in-app support only — you raise a ticket and wait. Through CompanyVista's Payoneer banking relationship, clients receive a named banker contact reachable by phone, WhatsApp and scheduled calls — assigned before your account opens and available afterwards for payments, disputes, currency conversions, limit increases and any other banking matter. For businesses that transact regularly, this difference matters more than any feature comparison.
Business Banking Assistance

Stuck on Banking?
We've Solved This Before

Free consultation — tell us your company jurisdiction, business type and nationality. CompanyVista identifies the best banking route for your profile and handles the full application from start to finish.

Get Banking Assistance → WhatsApp Us Now
✓ 95%+ approval rate — expert-assisted✓ US bank account in 3–7 days✓ No US visit or SSN required✓ 50+ countries covered✓ We don't stop at one rejection

Business Banking Assistance · 50+ Countries · Full disclosure required · Written quote before payment

Get Help Now →