Paid placementsAD

MCMercury· US accounts for startups · $0 standard plan RVRevolut Business· EU + UK IBAN · 25+ currencies ASAspire· Singapore & HK accounts · fully online WIWise Business· Local details in 20+ currencies · Low FX STStatrys· Hong Kong accounts for non-residents PYPayoneer· Marketplace and platform payouts MCMercury· US accounts for startups · $0 standard plan RVRevolut Business· EU + UK IBAN · 25+ currencies ASAspire· Singapore & HK accounts · fully online WIWise Business· Local details in 20+ currencies · Low FX STStatrys· Hong Kong accounts for non-residents PYPayoneer· Marketplace and platform payouts

Ranking · Updated 2026

The best business banks of 2026.

Twelve providers our advisors open accounts with every week, every one of them open to remote applications.

12
Providers listed: 40+
Jurisdictions: Sep 2026
Last checked

Find my bank Compare side by side

In this ranking

Licence status checked per provider

Advertising disclosure. Some links on this page are affiliate links. If you open an account we may be paid a fee, at no extra cost to you. Order is set by our published criteria and cannot be bought.

How we rank How we make money

How to read this list

There is no single best business bank. There is a best account for a given company, in a given jurisdiction, with a given source of funds. The twelve below are the providers that most consistently said yes in 2025-2026 and then behaved well afterwards: predictable pricing, sane compliance reviews, and support that answers within a working day. We list only providers we can support end to end and apply to directly, which is why branch-only banks are not here. Where a provider is an e-money or payment institution rather than a licensed bank, we say so in its notes.

Fees, minimum balances and currency coverage were last checked against each provider's own published pricing and terms in September 2026. They change often and differ by country, entity type and applicant profile, so treat every figure as indicative and confirm it with the provider before you apply.

Real cost

Monthly fees, wire pricing and the FX spread you actually pay, not the headline rate.

Time to open

Median days from application to a funded account, taken from cases we ran this year.

Approval odds

How often this bank accepts your entity type, industry and residency mix.

Reach

Currencies held, local account details, and which jurisdictions the account serves.

Mercury

Best US

Free ACH & USD wires, 1% on FX payments

US-registered entity

Score

4.9

No published minimum

Best for · Founders with a US LLC or C-Corp, including non-residents

A fast path to a US account without flying in. Free ACH and USD wires, a real API, and a treasury option once balances grow. Mercury is a fintech rather than a bank, so the account sits at its partner banks.

Time to open: Typically 1-2 weeks in our cases
Currencies: USD account; payments out in 40+ currencies
FX & fees: No monthly fee on the standard account; about 1% on FX payments

Licence status

Fintech; accounts held at partner banks Choice Financial Group and Column N.A., Members FDIC

To open: No published minimum

A US-registered company is required. FDIC cover is pass-through via partner banks, not Mercury itself, and several industries are declined.

Open an account with Mercury Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Revolut Business

Wise Business

Hold 40+ currencies, local details in 20+

UKEEAUSSG

Score

4.7

No monthly fee; one-off registration fee in UK, EEA, Switzerland and Brazil

Best for · Cross-border invoicing and paying suppliers

Local account details in over 20 currencies, so clients can pay you domestically, with the exchange cost shown before you send.

Time to open: Typically a few days to two weeks
Currencies: Hold 40+, local details in 20+
FX & fees: No monthly subscription; a one-off registration fee applies in the UK, EEA, Switzerland and Brazil

Licence status

Payment / e-money institution, not a bank; funds safeguarded, no deposit guarantee

To open: No monthly fee; one-off registration fee in UK, EEA, Switzerland and Brazil

A payment institution, not a bank: no credit, no overdraft and no deposit guarantee scheme.

Open an account with Wise Business Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Airwallex

Hold 20+ currencies, global collections, cards

HKSGEEAAUUS

Score

4.7

No minimum in most regions; EU free plan needs about EUR 10k held

Best for · Ecommerce and marketplaces collecting globally

Collection accounts, payment gateway and cards in one stack, and strong for groups incorporated in Asia-Pacific.

Time to open: Typically 1-3 weeks
Currencies: Hold 20+, pay out to 100+ countries
FX & fees: Free entry plan in most regions; in the EU it needs about EUR 10,000 held, otherwise about EUR 19 a month

Licence status

Licensed payment / e-money institution per market (MAS, FCA, ASIC and others), not a bank

To open: No minimum in most regions; EU free plan needs about EUR 10k held

A licensed payment institution per market rather than a bank, and onboarding asks for detailed flow-of-funds documents.

Open an account with Airwallex Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Aspire

Multi-currency, fully online onboarding

SingaporeHong Kong

Score

4.6

No minimum, no initial deposit

Best for · Singapore and Hong Kong startups

Online onboarding for Singapore and Hong Kong entities, multi-currency accounts and built-in expense management for lean finance teams.

Time to open: Typically 1-2 weeks
Currencies: 8 currencies in Singapore, 13 in Hong Kong
FX & fees: Free basic plan; premium about SGD 15 a month

Licence status

Payment institution, not a bank; client funds safeguarded at partner banks

To open: No minimum, no initial deposit

A payment institution rather than a bank, with client funds safeguarded at partner banks, and a Singapore or Hong Kong company is expected.

Open an account with Aspire Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Qonto

SEPA IBAN, transfers in 30+ currencies

FranceGermanyItalySpain

Score

4.6

No minimum balance; free tier only in some markets, otherwise from about EUR 9 a month

Best for · Operating companies in France, Germany, Italy and Spain

Clean SEPA banking with accounting exports, sub-accounts and receipt matching that local accountants already trust.

Time to open: Typically a few days to a week
Currencies: EUR IBAN; transfers in 30+ currencies
FX & fees: Free tier in some markets only, otherwise from about EUR 9 a month

Licence status

Payment institution authorised by the ACPR in France; banking licence applied for, not yet granted

To open: No minimum balance; free tier only in some markets, otherwise from about EUR 9 a month

Very EUR-centric, and it is a payment institution: its banking licence application is still pending.

Open an account with Qonto Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Payoneer

Receiving accounts in 9 currencies, marketplace payouts

USUKEEAHK

Score

4.5

No minimum; annual account fee applies on some plans

Best for · Marketplace sellers, agencies and freelancer-heavy businesses

Receiving accounts in the main trading currencies plus direct integrations with Amazon, Upwork, Fiverr and similar platforms, so payouts land without a local bank.

Time to open: Typically 2-10 days
Currencies: Receiving accounts in 9 currencies, payouts to 190+ countries
FX & fees: No monthly fee on the standard account; about 0.5% on currency conversion and card charges apply

Licence status

Regulated payment / e-money provider (FinCEN, FCA, Central Bank of Ireland), not a bank in most markets

To open: No minimum; annual account fee applies on some plans

Not a bank in most markets, so no credit and no overdraft. Some plans carry an annual fee, and withdrawals to a third-party bank cost extra.

Open an account with Payoneer Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Statrys

Multi-currency account for foreign-owned HK companies

Hong KongSingapore

Score

4.5

No initial deposit; plans from about HKD 88 a month

Best for · Foreign-owned Hong Kong and Singapore companies

Built for exactly the case traditional Hong Kong banks reject: a non-resident director with an offshore trading company. Onboarding is remote and a human handles the file.

Time to open: Typically 3-10 days
Currencies: Hold and pay in 11 currencies
FX & fees: Plans from about HKD 88 a month; FX shown per transfer

Licence status

Money Service Operator licensed in Hong Kong, not a bank; funds held at partner institutions

To open: No initial deposit; plans from about HKD 88 a month

A Money Service Operator, not a bank, so no deposit protection. Some high-risk industries and jurisdictions are declined.

Open an account with Statrys Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Zenus Bank

US account and debit card for non-residents

USGlobal

Score

4.3

Account plans from about USD 25 a month

Best for · Non-residents who need a genuine US account without a US company

One of the few licensed banks that opens a personal or business US account for non-residents remotely, with a US account number and a debit card.

Time to open: Typically 1-2 weeks
Currencies: USD account with international transfers
FX & fees: Account plans from about USD 25 a month, plus wire charges

Licence status

International bank licensed in Puerto Rico (US); cover differs from standard FDIC insurance

To open: Account plans from about USD 25 a month

Licensed in Puerto Rico as an international bank, so protection differs from a standard FDIC-insured US bank. Feature set is narrower than a full business bank.

Open an account with Zenus Bank Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Multipass

GBP and EUR accounts for international trading companies

UKEEA

Score

4.3

No minimum balance; plans from about GBP 25 a month

Best for · UK and EU trading companies moving GBP and EUR

Onboarding designed for international trade flows, with a named account manager instead of an automated review, and correspondent-style SWIFT payments.

Time to open: Typically 3-10 days
Currencies: GBP, EUR and 30+ payment currencies
FX & fees: Plans from about GBP 25 a month; FX margin quoted per volume tier

Licence status

E-money services provided through an FCA-authorised institution, not a bank

To open: No minimum balance; plans from about GBP 25 a month

An e-money service, not a bank, so no credit and no deposit guarantee. Pricing is aimed at trading companies, not micro-businesses.

Open an account with Multipass Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Genome

SEPA and SWIFT payments, card issuing, merchant tools

EEALithuania

Score

4.2

No minimum; free plan available, paid tiers from about EUR 15

Best for · EU companies and online merchants that want accounts plus card issuing

An EU e-money licence with SEPA and SWIFT, sub-accounts, cards and merchant payment tools in one dashboard, at a price small teams can carry.

Time to open: Typically 2-7 days
Currencies: EUR, GBP, USD and multi-currency balances
FX & fees: Free plan available; paid tiers from about EUR 15 a month

Licence status

E-money institution licensed by the Bank of Lithuania, not a bank

To open: No minimum; free plan available, paid tiers from about EUR 15

An e-money institution, not a bank, so funds are safeguarded rather than insured. Support depth is lighter than the larger providers.

Open an account with Genome Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Wamo

Fast EUR IBAN for small teams and freelancers

EEAMaltaUK

Score

4.1

No minimum; plans from about EUR 9 a month

Best for · Small teams, consultants and freelancers in the EU

The quickest route to a working EUR IBAN and a card when you do not need trade finance: sign up in a day and keep the cost near nothing.

Time to open: Often within 1-3 days
Currencies: EUR account with multi-currency payments
FX & fees: Plans from about EUR 9 a month

Licence status

E-money institution regulated in Malta by the MFSA, not a bank

To open: No minimum; plans from about EUR 9 a month

An e-money institution regulated in Malta, not a bank. Limits are lower than the enterprise providers, so it suits smaller flows.

Open an account with Wamo Full review: fees & documents Affiliate link. We may be paid a fee; it does not change this ranking.

Questions we get every week

Is a neobank as safe as a traditional bank?

The good ones are regulated e-money institutions that safeguard client funds at a partner bank, which is not the same as deposit insurance. For balances you cannot afford to have frozen, keep a licensed bank alongside.

Can I open an account without visiting the country?

Yes for every provider on this list. That is part of why they are here. Traditional branch banks in the UAE, Hong Kong and Switzerland still ask for an in-person or video-verified meeting, so we cover those through our advisors instead.

How many accounts should a company have?

Two, in different institutions. One primary operating account and one backup in another jurisdiction covers you if a compliance review pauses the first.

Why is this ranking different from other lists?

We only list providers we have a working or verified relationship with, so anything we cannot support end to end is left out. Within the list, the order comes from onboarding outcomes our advisors see, and it is not for sale. Read the full method on our methodology page.

See how we score every bank

Independent, advisor-verified

Not sure which one accepts your structure?

Answer three questions and get a shortlist in 60 seconds.

Find my bank