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Business banking

Different tools.
One bigger ambition.

Find the account, cards, and payment tools that fit how you do business. We help you prepare; each provider makes its own approval decision.

Your money. Your way of working.

Meet your next
business essential.

Compare everyday US banking, international payments, cash-flow tools, and global finance.

Mercury logo
For US business operations

Organize your US finances.

✓

Separate your funds

Create additional checking and savings accounts, with nicknames and automatic transfer rules for taxes, operations, and reserves.

✓

Cards for the way you work

Issue virtual debit cards for online spending and physical cards for team members. Set daily, weekly, or monthly spending limits.

✓

Physical card delivery

Choose a supported shipping address when ordering, including a personal address where accepted. Country restrictions apply; confirm shipping options and charges with Mercury.

✓

Everyday payments

Send and receive ACH payments and domestic USD wires without Mercury transfer fees. Paid plans and some other transactions carry fees.

Mercury is a financial technology company; banking services are provided by partner banks. Account limits and eligibility are confirmed by Mercury.

Explore Mercury Official features & terms ↗
Wise logo
For international payments

Make international feel local.

✓

Receive across borders

Use account details in supported currencies to receive customer and marketplace payments.

✓

Hold and convert

Manage multiple currencies and convert at the mid-market exchange rate with the applicable fee shown before you proceed.

✓

Spend with your team

Business debit cards and team expense tools are available in supported locations, with access controls for team members.

✓

Connect your finances

Use accounting integrations and batch payments to simplify reconciliation and supplier payments.

Wise is a payments provider, not a traditional bank. Features, fees, account details, and cards depend on the country of registration.

Explore Wise Official features & terms ↗
Relay logo
For organized cash flow

Give every dollar a purpose.

✓

Dedicated checking accounts

Separate operating expenses, taxes, and reserves. Starter and Grow currently list 20 checking accounts; Scale lists 50.

✓

Physical and virtual cards

Create cards for spending needs and manage permissions and limits. Available card quantities depend on the account and cardholder rules.

✓

A clearer cash-flow routine

Organize money across accounts and automate transfers to keep funds allocated to their intended purpose.

✓

Work together

Give team members controlled access and connect accounting tools. Advanced payment workflows depend on your plan.

Relay is a financial technology company, not an FDIC-insured bank. Banking services are provided through its partner bank. Review plan pricing and eligibility.

Explore Relay Official features & terms ↗
Airwallex logo
For global business activity

Built for business across borders.

✓

Global Accounts

Receive supported currencies using local account details in available markets, without opening a separate local company for every market.

✓

Multi-currency balances

Hold and convert supported currencies and make international supplier payments from one platform.

✓

Corporate cards

Issue virtual cards and eligible physical employee cards with spending controls. Availability depends on your business location.

✓

Manage expenses together

Collect receipts, manage approvals, and connect accounting software. Online payment acceptance is also available for eligible businesses.

Airwallex is a financial platform, not a bank in the US. Products, fees, and availability vary by jurisdiction, plan, and approval.

Explore Airwallex Official features & terms ↗

Features reviewed 18 September 2026. Terms can change. Mercury does not publish a universal 15 checking / 15 savings limit in the account guide reviewed. Confirm limits and shipping costs directly before applying. Mercury accounts guide · Mercury cards guide

Be application-ready

A better application
starts with the details.

Company records

Formation certificate, EIN where required, ownership details, and operating documents.

Owner information

Identity and residential address evidence for owners and authorized account users.

Business activity

A clear description of what you sell, where your customers are, and how money will move.

Clear answers. Confident decisions.

A few things you might be wondering.

Can I start a company while living outside the US?

We support international founders with remote formation. Requirements depend on the entity, jurisdiction, ownership, and business activity. Banking eligibility is assessed separately.

Does company formation guarantee a bank account?

No. Each provider reviews your country of residence, company activity, ownership, and supporting documents. We help prepare the application, but the provider makes the final decision.

Let’s build your business

Let’s find your fit.

Share your business profile and the payments you need to make.

Let’s talk