Non-Resident Business

Opening a US bank account as a non-resident does not require an SSN or ITIN: a passport substitutes. Here is what actually decides it.

A registered agent address is a mailing address, not the physical location US business bank accounts require. Here’s what passes, and what each provider checks.

EIN wait time, not the bank, is what stalls a US business account. Here’s the real timeline for non-resident founders, and how to cut it short.

Estonia share capital does not need a bank: an EMI or payment institution in the EEA works. The €0.01 minimum and the €2,500 and €50,000 rules that matter.

A neobank moves and holds money. It does not shield it from creditors or tax, and its bank-failure cover stops at the deposit guarantee.

Upwork’s Direct to Local Bank costs $0.99 a withdrawal, and a $2.99 fee lands on 1 September 2026 for freelancers taxed outside the US. Neither marketplace sets the exchange rate.

The $10,000 reporting threshold covers physical cash, not wires, and it has not moved since 1972. Here is what actually gets a transfer flagged, and who is obliged to file what.

Amazon does not ask where you live. It asks what kind of account you are pointing at, and only two kinds qualify. Here is the setup that gets paid.

SLPs laundered $2.9 billion in one documented scheme before a 2017 reform ended their anonymity. The reform was real. The banking reputation never caught up, and SLP registrations are now at their lowest since 2010.

Hong Kong requires a resident company secretary and, separately, a resident SCR representative. Neither gets a non-resident director’s company banked. HSBC’s own in-person requirement is what actually decides that.