After forming your LLC and getting an EIN, you need a place to hold and move US dollars. Two of the most popular options for non-residents are Mercury and Wise. Here is how they compare.
Mercury
A US fintech bank built for startups and online businesses. Offers US account and routing numbers, virtual cards, and a clean dashboard. Great for receiving Stripe payouts and operating a US business.
Wise (Business)
Excellent for multi-currency operations and low-cost international transfers, with US account details for receiving USD. Ideal if you frequently convert and send money across borders.
Which should you choose?
Mercury suits a US-centric online business and Stripe integration; Wise suits multi-currency and cheap global transfers. Many founders use both. We help you open the right account for your profile.