Open a Mercury Bank Account as a Non-Resident
Mercury is one of the best US business banks for non-resident founders – but you need a US LLC and EIN to qualify. We handle both in one service.
Who this is for
- Non-US residents who want to open a Mercury account
- International founders who have heard about Mercury but are unsure how to qualify
- E-commerce sellers and SaaS founders who need US banking without a US address
- Anyone who needs a Mercury account but doesn't yet have a US LLC
Includes US LLC formation + Mercury account assistance. Mercury itself has no monthly fee.
Get My US LLC + Mercury AccountWhat's included
- US LLC formation (Delaware or Wyoming) – prerequisite for Mercury
- EIN application (available as a separate add-on service – required for Mercury)
- Mercury account application support: KYC documents, beneficial owner verification
- Alternative US banking options if Mercury declines (Relay, Brex, Wise Business)
- Dashboard tracking throughout
How it works
US LLC formed
Delaware or Wyoming LLC filed same-day. Certificate in 1–5 days.
Mercury application
Account application submitted with all KYC documents once EIN is obtained.
Account active
Mercury account open and first transfer guidance provided.
Frequently asked questions
Can non-residents open a Mercury account?
Yes, but Mercury requires a US LLC or corporation. Non-residents without a US entity cannot open Mercury directly. Once you have a US LLC with an EIN, you can apply online from anywhere in the world.
What does Mercury check during KYC?
Mercury verifies the company documents (articles of organisation, operating agreement), your EIN, and the identity of all beneficial owners (anyone owning 25% or more). You will need a government-issued ID and may need to complete a video KYC.
Is Mercury a real bank?
Mercury is a fintech company (not a chartered bank itself), but it partners with regulated US banks (Choice Financial Group, Evolve Bank & Trust) to provide FDIC-insured accounts.
What if Mercury rejects my application?
Mercury declines some applications, particularly for high-risk industries or complex ownership structures. We have alternative recommendations ready: Relay, Brex, and Wise Business are common alternatives for non-residents.
Does Mercury work with Stripe?
Yes. Mercury integrates directly with Stripe for instant payouts and is popular with Stripe-dependent businesses for this reason.
Ready to get started?
Fixed price, real-time tracking, and expert handling, from first document to final approval.
Get My US LLC + Mercury Account