Form your U.S. LLC from Europe · Tax planning from day one

Arbi Capital
2026-02-20·5 min read

How to open a U.S. bank account without setting foot in the country

The big challenge: U.S. banking without physical presence


One of the main obstacles for international entrepreneurs is opening a U.S. bank account. Traditional banks like Chase or Bank of America generally require physical presence for business accounts.


The good news: fintechs have revolutionized this process.


Mercury: our top choice


Mercury is the leading banking platform for startups and international companies, offering 100% remote opening, no maintenance fees, and physical/virtual debit cards.


Wise Business: ideal for international transfers


Wise stands out for competitive exchange rates with multi-currency accounts and transparent, low fees.


Relay: fee-free banking


Relay offers a clean banking experience with no monthly fees and unlimited virtual debit cards.


What do you need to open your account?


  • 1.Formed and registered LLC
  • 2.EIN number from the IRS
  • 3.Operating Agreement
  • 4.Owner's passport
  • 5.U.S. address (included in our service)

  • At Arbi Capital, bank account opening is included in all our plans.

    Ready to take the step?

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