Why founders love Wise Business
Wise Business gives you local currency account details (US ACH, UK sort code, EU IBAN, AUD BSB and more) inside a single dashboard, with mid-market FX and same-day domestic transfers. For a global operator it is the cheapest way to receive money in the client's own currency.
Eligibility
Available to businesses registered in 40+ countries including the US, UK, EU, Australia, Singapore, Canada and — critically — accessible to non-resident LLC and LTD owners in most countries.
What Wise checks
Wise runs a lighter but focused check: legal entity documents, director ID, beneficial ownership, business website and expected transaction pattern. There is no minimum deposit.
Documents to prepare
- Certificate of formation (LLC) or incorporation (LTD)
- EIN letter or UTR
- Passport or national ID for each 25%+ owner
- Proof of residential address (utility bill or bank statement)
- Business website URL
Application walkthrough
Sign up with a business email that matches your website domain. Enter the exact legal name from your formation certificate. Upload documents in high resolution. Answer the volume and country-flow questions truthfully. Approval is typically 1–3 business days for clean applications.
Fees
One-time $31 setup for US LLCs (varies by country). Receiving via local details is free. Sending is 0.4–1% depending on currency pair. FX uses the mid-market rate — no hidden margin.
Cards
Wise's business card works globally with real-time currency conversion and no hidden markup. Physical and virtual cards are supported; issue unlimited virtual cards for ad-account spend.