← Back to all banks
ApplyRight field notes
The default pick for non-US founders, and the one we recommend most. Accepts Chinese nationals, smooth online application — its form is the cleanest and most straightforward of the bunch, the least painful to fill out — and unlimited virtual cards. Two things to know: a relationship manager only comes with the Pro plan ($299/mo) or $10M+ balances — everyone else uses tickets; and it won't serve jewelry or non-Kickstarter crowdfunding. The most reliable option overall.
Eligibility at a glance
- Requires SSN
- No
- Overseas operating address
- Yes
- Intl wire (out)
- Free
- Virtual cards
- Unlimited
- Account manager
- Pro plan ($299/mo) or $10M+ balance
Best for
- Non-US founders with a US LLC or C-Corp (Delaware, Wyoming)
- SaaS, tech startups, and professional services
- Anyone who needs API + accounting integrations (Stripe, Shopify, QuickBooks)
- Teams that need unlimited virtual cards
Where it falls short
- Strict on high-risk industries: cannabis, gambling, adult, crypto exchanges
- Email-only support — no phone line
- Rejections are effectively final and hard to appeal
- Tightened on “thin” profiles in 2026 (no website / LinkedIn / clients)
Restricted countries
CubaIranNorth KoreaCrimeaDonetskKhersonLuhanskZaporizhzhiaAfghanistanAlbaniaAngolaBangladeshBelarusBhutanBosniaBurkina FasoBurundiCambodiaCameroonCentral African RepublicCongo (DRC)Congo (Republic)CroatiaEritreaGambiaHaitiIndonesiaIraqKyrgyzstanLatviaLebanonLesothoLiberiaLibyaMaldivesMaliMozambiqueMyanmarNepalNicaraguaNigeriaPakistanPalestinePhilippinesRussiaSomaliaSouth SudanSudanSyriaUkraineUzbekistanVanuatuVenezuelaVietnamYemenZimbabwe
Restricted industries
Money services (MSB)Crypto exchangeAdult contentCannabisGamblingFirearmsShell companiesJewelryCrowdfunding (off-platform)
Documents to prepare
- A company website
- A company domain email address
- Full company documents (including the EIN)
- An operating address: a real place of business (a home address, US or overseas, with proof; no virtual / PO Box). A registered agent or virtual mailbox is fine as the company's registered address
- Your national driver's license (within validity)
- The owner's passport (a live face-KYC is required, so the owner must be present)
- Personal bank statements for the last 3 months (domestic or overseas)